Electrical Service Panel Claim Case Study

Less than two business days were all our experts needed to provide this adjuster with the actual cause of loss and scope of damage for a policyholder’s malfunctioning electrical service panel. Fill out the form to read why the power was out throughout the downstairs of a home and whether it required a full service panel replacement – and at what potential settlement cost. Have a complicated electrical service panel claim? Eliminate speculation about what is needed to return your policyholders to...

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Tank vs. Tankless Water Heaters: What the Difference Means for Claims

Policyholders have any one of a variety of water heater types in their homes or businesses. Water heating accounts for 14–18% of utility bills, according to the U.S. Department of Energy, and the average household uses 64 gallons of water daily. Because of their frequency of use and the complexity of the equipment, water heaters are often included in claims. It is important insurance professionals recognize how perils may affect them depending on if they are tankless...

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Advantages of Smart Technology and IoT As Related To Insurance Claims

Smart technology has launched new ways of doing a variety of everyday tasks through phones and other connected devices – and it’s also impacting insurance claims. Photo Credit: “Smart Home” by Gerd Altmann / CC BY 4.0

Policyholders who have embraced smart technology can walk into their homes, disarm security, and have their lights, thermostat, music, and appliances each already on desired settings – all activated by their voice, phone, or other connected device. The internet of things (IoT), the...

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Benefits of Lightning Verification Reports Guide

Without knowing for sure, policyholders frequently claim lightning or surges have caused property damage. Lightning verification reports can confirm or exclude lightning’s presence at the location during the time of loss – before anyone ever inspects the equipment. This is just one of the benefits of using these reports, regardless of what item is claimed. Fill out the form to receive your one-page guide of the Benefits of Lightning Verification Reports. Already have a claim with reported lightning or surge damage that...

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Lightning and Surge eBook

Carriers paid out more than $900 million for lightning claims in 2019, according to the Insurance Information Institute. Electronics are among the equipment susceptible to damages from lightning and surges and often wind up in property claims. Be able to better differentiate between the two perils with StrikeCheck’s eBook, “An Evaluation of Surge and Lightning Damage to Electronics and Specialty Claims.” By filling out the form, adjusters will gain insight on how often lightning or surge is the cause of loss...

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Storm-Related Claim Case Study

Water, freezing conditions, and wind are all potential storm elements that could cause damage to commercial and residential property, regardless of the storm’s size or severity. Even so, claims reported as being related to specific weather events often include equipment in proper working condition or with a cause of loss that isn’t a covered peril. Fill out the form to read about a residential claim that stemmed from an unusual winter storm in Texas. It included several different electrically powered items...

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StrikeCheck Super Regional Client Case Study

Carriers of all sizes can benefit from StrikeCheck’s actionable damage assessment reports and desktop review services. Our team works with each one to provide solutions for their main initiatives, including accuracy, efficiency, and timeliness. Fill out the form to find out the results of claims with electrically powered items that we handled for a super regional carrier. Its adjusters relied on our experts for settlement recommendations and found particular value in our speed and accuracy for claims filed after...

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Top 5 Categories of Electrically Powered Items Prone to Claims Leakage

Any electrically powered item increases a carrier’s risk for indemnity leakage, considering policyholders may have claimed equipment in proper working condition or that was damaged by a non-covered peril. Some electronics and specialty item categories also have large differences between the average repair costs and the full replacement price, making it critical adjusters pay particular attention to these claims. The StrikeCheck team analyzed the data from all the damage assessments that adjusters assigned them over the past year....

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Investigating Storm-Related Electrical Claims Webinar Recording

When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including consumer electronics, household appliances, pools, electrical systems, well pumps, and solar power systems
  • Common commercial...

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What to Know About Water Damage to Electronics Guide

Electronics mixed with water go about as well as oil and water – they rarely work together. It’s important to assess the scope of the damage to figure out the most appropriate next steps to return a policyholder to pre-loss condition. Our new guide can help you navigate how to do that. Fill out the form to obtain your copy of the water damage to electronics guide that illustrates:

  • Which types of water are most harmful to electrically powered items
  • What...

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Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

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Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

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Weather Impacts to Electronics Claims Guide

Storms occur throughout the year and can lead to claims with many of your policyholders’ electrically powered items. Fill out the form to receive your guide to:

  • Types of storm-related perils that have the greatest potential to impact electronics
  • Which electronically powered items are most likely to be affected by weather and how
  • Key tips on how to handle weather-related claims
Want to know more about the weather that could cause these damages? Check out Extreme Weather Most Likely...

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Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

Read More

Investigating Storm-Related Electrical Claims Webinar

The Investigating Storm-Related Electrical Claims Webinar has already occurred. You can watch the recording here. When storms hit anywhere in the United States, claims with damages caused by surge and lightning, wind, ice, hail, or water soon follow. Better understand which electronics and other specialty items may be affected by storms and know how they’re damaged to ensure you’re only settling for a covered peril. In this webinar we’ll review:

  • The significance of storm claims involving electrical equipment and systems, including...

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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, 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 scenarios. Through this...

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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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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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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...

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