Scary Story: Lightning and Solar Panels

Combine an item that is known for causing claims leakage with a commonly claimed peril that is rarely the cause of loss and you get the scenario for this Scary Story. The adjuster was handed a lightning claim for several different items, including more than 40 malfunctioning solar panels, with an estimated replacement cost of nearly $45,000. Fill out the form to find out how the adjuster was able to resolve this claim as easily as flipping a...

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CCG IQ 2020 Annual Report

For years CCG IQ’s damage assessment brands, HVACi and StrikeCheck, have been publishing separate annual claims reports to equip carriers with data-driven facts and trends to help them control claim leakage and keep a superior policyholder experience. This year, all of CCG IQ’s suite of services, including claims assessments, underwriting inspections, and lightning verification, are highlighted in the CCG IQ 2020 Annual Report. This offers an enhanced overview of a broader spectrum of risks and perils that impact a carrier’s...

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CCG IQ 2020 Annual Report

For years CCG IQ’s damage assessment brands, HVACi and StrikeCheck, have been publishing separate annual claims reports to equip carriers with data-driven facts and trends to help them control claim leakage and keep a superior policyholder experience. This year, all of CCG IQ’s suite of services, including claims assessments, underwriting inspections, and lightning verification, are highlighted in the CCG IQ 2020 Annual Report. This offers an enhanced overview of a broader spectrum of risks and perils that impact a carrier’s...

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CCG IQ 2020 Annual Report

For years CCG IQ’s damage assessment brands, HVACi and StrikeCheck, have been publishing separate annual claims reports to equip carriers with data-driven facts and trends to help them control claim leakage and keep a superior policyholder experience. This year, all of CCG IQ’s suite of services, including claims assessments, underwriting inspections, and lightning verification, are highlighted in the CCG IQ 2020 Annual Report. This offers an enhanced overview of a broader spectrum of risks and perils that impact a carrier’s...

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Commercial Electrical Equipment Losses for Adjusters Webinar Recording

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar. We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment – and explain what may make settling claims with these different. Plus, we’ll review common causes of loss through a few real-life claim...

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StrikeCheck Commercial Restaurant Claim Case Study

Multiple malfunctioning coolers and lights spell trouble for any policyholder but particularly for one running a restaurant. The adjuster handling this commercial claim needed support or risked making settlements based on inaccurate perils and replacement recommendations. The StrikeCheck Commercial Restaurant Claim Case Study reiterates the importance of partnering with an expert to receive data-driven solutions for the claims-settling process, from determining actual causes of loss to ensuring repairs and replacements match market pricing and manufacturer availability. Fill out the form to...

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5 Achievable New Year’s Resolutions for Adjusters

The beginning of a new year offers promise of a fresh start and the opportunity to make positive changes in your work and personal life. There’s usually that one about eating healthier – until you find yourself munching on cookies for dinner or giving up mid-February because you haven’t stuck with it. Don’t start 2021 with seemingly unfeasible expectations – at least not without a plan of action. We’ve created a list of 5 achievable New Year’s resolutions for adjusters that...

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Which Commercial Electrical Equipment is Likely to Be in Property Insurance Claims?

Commercial claims can be more complex than their residential counterparts, particularly those with electronically powered items. This equipment may be bigger, is often customized, and could need to follow specific codes and regulations. It’s important adjusters understand the variety of electrically powered items that may appear in commercial claims and what might impact them.

Commercial Electrical Systems Adhere to Codes

Electrical panels for commercial policyholders may be larger and have more electricity going through them, which could require a...

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Commercial Electronic Equipment Claims Guide

Which electronically powered item is the most important? To commercial policyholders, all impact how their business runs, from restaurant appliances and office networking equipment to retail point of sale components. Those don’t even include behind-the-scenes electronics, such as security systems and digital signs. It’s important adjusters are familiar with how damages occur to these items to accurately and quickly settle claims with them. Fill out the form to obtain your copy of the Commercial Electronic Equipment Claims Guide, which gives an...

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Commercial Electrical Equipment Losses Webinar for Adjusters

The Commercial Electrical Equipment Losses Webinar has already occurred. You can watch the recording here.

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar.

We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment –...

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Commercial Electrical Equipment Losses Webinar for Adjusters

The Commercial Electrical Equipment Losses Webinar has already occurred. You can watch the recording here.

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar.

We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment –...

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Bah Humbug: Ways Holiday Decorations Can Be the Cause and Subject of Property Insurance Claims

On the first day of Christmas my insureds gave to me, claims caused by a holiday tree. Those lyrics probably won’t catch on for the classic tune, but it’s a song a lot of adjusters will be able to sing at the end of the year. Holiday decorations increase the risk for new claims from a variety of different damages, some of which are covered by residential and commercial insurance policies. Adjusters can prepare for the influx by knowing which insurance-related perils...

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Bah Humbug: Ways Holiday Decorations Can Be the Cause and Subject of Property Insurance Claims

On the first day of Christmas my insureds gave to me, claims caused by a holiday tree. Those lyrics probably won’t catch on for the classic tune, but it’s a song a lot of adjusters will be able to sing at the end of the year. Holiday decorations increase the risk for new claims from a variety of different damages, some of which are covered by residential and commercial insurance policies. Adjusters can prepare for the influx by knowing which insurance-related perils...

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Commercial Electrical Equipment Losses Webinar for Adjusters

The Commercial Electrical Equipment Losses Webinar has already occurred. You can watch the recording here.

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar.

We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment –...

Read More

Commercial Electrical Equipment Losses Webinar for Adjusters

The Commercial Electrical Equipment Losses Webinar has already occurred. You can watch the recording here.

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar.

We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment –...

Read More

Commercial Electrical Equipment Losses Webinar for Adjusters

The Commercial Electrical Equipment Losses Webinar has already occurred. You can watch the recording here.

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar.

We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment –...

Read More

Commercial Electrical Equipment Losses Webinar for Adjusters

The Commercial Electrical Equipment Losses Webinar has already occurred. You can watch the recording here.

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar.

We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment –...

Read More

Commercial Electrical Equipment Losses Webinar for Adjusters

The Commercial Electrical Equipment Losses Webinar has already occurred. You can watch the recording here.

Any adjuster who handles claims with electrical and specialty equipment will gain better insight into a variety of commercial electronics and their insurance impacts with StrikeCheck’s Commercial Electrical Equipment Losses Webinar.

We’ll break down a few frequently damaged commercial items – including electrical systems, restaurant equipment, solar power components, point of sale systems, commercial signage, and security equipment –...

Read More

Bah Humbug: Ways Holiday Decorations Can Be the Cause and Subject of Property Insurance Claims

On the first day of Christmas my insureds gave to me, claims caused by a holiday tree. Those lyrics probably won’t catch on for the classic tune, but it’s a song a lot of adjusters will be able to sing at the end of the year. Holiday decorations increase the risk for new claims from a variety of different damages, some of which are covered by residential and commercial insurance policies. Adjusters can prepare for the influx by knowing which insurance-related perils...

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6 Questions to Ask Before Settling Electronics Claims: A Practical Guide to Accurate Settlements

Claims with electronics and other electrically powered items can be difficult to settle because such a variety of items falls into that category – from appliances to office equipment, generators to pool pumps. Here are some questions adjusters should ask themselves to know if they may need support to ensure these types of claims are settled quickly and accurately. 1. Are You Familiar With How the Equipment Works or What Damages Are Common For It? Policyholders use hundreds of different electronics...

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Guide to 5 Common Types of Lighting Seen in Residential Claims

Last year, electrical and lighting components made up nearly 20 percent of the items StrikeCheck assessed for carriers. That percentage is understandable when you think about all the different types of lighting seen just in residential claims. We created the 5 Common Types of Lighting Seen in Residential Claims Guide to give a very brief overview of a few. Fill out the form to learn about different categories of residential lighting – from accent to landscape lighting, examples of each, perils...

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Commercial Phone Systems Guide for Adjusters

While landlines may be all but obsolete in homes, the same can’t be said for commercial phone systems in businesses – and for good reason. The Commercial Phone Systems Guide for Adjusters helps to better explain which system is best for various sized businesses and what sets each apart. By filling out the form, you can learn about the different system types, see what features should be considered for Like Kind Quality, and find out which perils are more likely...

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StrikeCheck Client Case Study

You may have experienced or at least seen what StrikeCheck can do on an individual claim level (if not, check out the Lightning Claim Case Study). One claim assessment has the potential to prevent hundreds or thousands of dollars in claims leakage. How do each of those claims add up for an individual carrier? Fill out the form to receive our one-page client case study where we break down how a Top 20 U.S. property and casualty...

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Top Facts to Know About Smoke and Carbon Monoxide Detectors for Insurance Claims

Various insurance carriers require or incentivize policyholders to have smoke and carbon monoxide detectors in their homes or businesses as these devices could mean a matter of life or death. In some cases, damaged detectors could invalidate a policy or reduce a settlement if a fire were to occur. It’s important adjusters handle claims with smoke and carbon monoxide (CO) detectors as accurately as possible and reiterate to policyholders how vital it is that they work properly. Ensure Your Policyholders Put...

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Adjusting Well Pump Claims Webinar Recording

Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better settle claims. StrikeCheck’s Adjusting Well Pump Claims Webinar will review each kind and explain testing methods and...

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Settling for Energy-Efficient Equipment Guide

Certain appliances, lighting, technology, and other electronics are being built, and purchased, to make less of an impact on the environment and to save consumers money on their utility bills. But that doesn’t mean adjusters can simply settle for more energy-efficient equipment just because their policyholder wants them to. Fill out the form to download our guide about why policyholders are making the switch – and when an adjuster may settle for the alternative even if it’s not Like Kind and...

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Regulations Impact How Your Policyholders Replace Appliances

One final voltage surge sends a water heater sizzling to disrepair, leaving the policyholder with a cold shower and a decision on next steps. If the insurance claim assessment recommends replacing the appliance rather than trying to repair it, a policyholder may have to follow federal or state regulations about what to buy. Both federal and local agencies have increased efforts to improve energy efficiency to reduce gas emissions and protect the environment. These endeavors include legislation that requires manufacturers to...

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Top 5 Characteristics of A Great Subject Matter Expert for Electronics Claims

Subject matter experts should know so much about a topic that people look to them as the go-to authority on it. You may be a subject matter expert on claims adjusting and insurance best practices. That doesn’t necessarily make you a specialist on electronics and specialty equipment. It’s important adjusters like you partner with someone who is an expert in assessing these items when they appear in the claims you’re settling. Here are 5 characteristics of a subject matter expert that...

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Scary Story: Poking Holes in a Liability Claim

Adjusters represent the policyholder – whether it’s the homeowner who had an electronic sustain damage or the company being held liable for it. The latter was the case for this edition of Scary Story. Only the homeowner wasn’t claiming the company damaged just one item. There were dozens of computers, keyboards, audio equipment, and other electronics with a claimed replacement value of nearly $15,000. Fill out the form to receive your copy of Scary Story: Poking Holes in a Liability Claim...

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Well Pump Case Study

Lightning damaging a well pump and causing it to trip the electrical panel? Seems like it could be plausible if the equipment wasn’t inspected thoroughly. In this case, the StrikeCheck team comprehensively assessed the well pump system components and found the cause of loss was much less … natural. Fill out the form to obtain your copy of the well pump case study to read what our technician saw and how it affected our recommended settlement. And don’t think this is...

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Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

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Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjusting Well Pump Claims Webinar

The Adjusting Well Pump Claims Webinar has already occurred. You can watch the recording here. Nearly 45 million people, about 15 percent of the U.S. population, rely on private wells for their source of drinking water, according to the U.S. Geological Survey. And they are all responsible for their own well system maintenance. It’s important adjusters know the different types of well pumps and are familiar with their common causes of loss to better...

Read More

Adjuster Strategies for Tackling Well Pump Claims

The following article on “Adjuster strategies for tackling well pump claims,” written by Jay Dykstra of HVACi and StrikeCheck, was originally published on Property Casualty 360.

Several factors determine what type of well pump a policyholder requires, but it usually depends on the depth of the water supply and the gallons needed per hour. Pictured here are a submersible pump and tanks.

Your policyholders require a steady water supply inside their...

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Residential Kitchen Appliances Claims Guide

Coffee makers, microwaves, stovetops, refrigerators – each of these items your policyholders use to cook a meal at home could wind up in your claims. Settle them more quickly by knowing what to look for with our residential kitchen appliances guide. Fill out the form to have access to a summary of frequently claimed large appliances, their leading perils, and features affecting Like Kind and Quality replacements. Plus, compare the average replacement costs based on StrikeCheck’s market value pricing for small...

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Get Your Commercial Kitchen Equipment Guide

Settle your commercial kitchen appliance claims quickly and accurately with the aid of our guide. We’ll walk you through the most frequently claimed commercial kitchen appliances, including refrigeration equipment; cooktops, ovens, and ranges; and microwaves. Don’t forget to also look for these customizable features when considering Like Kind and Quality replacements. Fill out the form to receive your commercial kitchen equipment guide...

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How Lightning’s Location and Intensity Can Impact Your Claims

In 2019, 62% of claims assigned to StrikeCheck had lightning as the stated peril, making it the most frequently claimed cause of loss, according to the 2020 StrikeCheck Annual Claims Report. To recognize why lightning might appear so much in property and casualty insurance claims and why it’s important to verify if it occurred at the time of loss, adjusters should understand how lightning forms, different types of lightning, and where it’s most likely to happen. What...

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Lightning Claim Case Study

Lightning can damage multiple items in a home all at once. It’s a good thing the adjuster for this claim didn’t take the contractor’s word for all the items listed as damaged by lightning. Assessments by a knowledgeable third party can shed light on a more accurate cause of loss – if there is one – and make clearer recommendations for any necessary repairs or replacements. Fill out the form to see what our technician and staff found when assessing each...

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How to Keep Common Lightning, Surge Damages Out of Claims

The following article on “How to keep common lightning, surge damages out of claims,” written by Jay Dykstra of HVACi and StrikeCheck, was originally published on Property Casualty 360.

Electrically powered equipment is prone to lightning damage if a surge enters the electrical system. Lightning can travel from the utility power line to the electrical panel and through the home’s wiring to the outlets. Anything plugged into or connected to...

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Scary Story: Wire on Fire

Claims about house fires aren’t necessarily rare. But what about claims related to garage fires that lead to power outages in several rooms inside a home? If it sounds strange to you, then you can understand why it sounded peculiar to our StrikeCheck team and why we worked hard to get to the bottom of it for the insurance carrier. Our report detailed not only why the home’s power was out (and how to get it back), but we also...

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Extreme Weather Most Likely to Impact Future Claims

Extreme weather shifts have been documented in the United States in recent years that have affected insurance policyholders throughout the country. The U.S. Global Change Research Program, a federal program that coordinates funding and research related to factors influencing the global environment, completed a national assessment in 2014 that states these changes have included “excessively high temperatures, heavy downpours, and in some regions, severe floods and droughts.” It’s important insurance personnel take note of how the...

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The Show Must Go On! How to Settle Insurance Claims Related to Home Theater Equipment

The sounds envelop them as the on-screen action plays out, making them feel as though they are living in the moment. Some of your policyholders are looking for that movie theater experience at home with large-screen televisions and surround sound, plus thousands of films and shows to choose from thanks to cable, DVDs, and streaming programs. But the customizable home theater equipment that makes this possible is often included in property claims, which tasks adjusters handling them to...

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Home Entertainment Equipment Guide

Adjusters should tune in to this guide to see what home theater equipment appears in claims and common causes of loss. We explain what each component does, how often it’s likely to be in claims without showing damage at the time of assessment, and the average cost to replace it. Fill out the form to get your copy of the Home Entertainment Equipment...

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