What to Look for in Winter Electrical Fires Webinar

The What to Look for in Winter Electrical Fires webinar has already occurred. You can watch the recording here. Home fires occur more often in winter than in any other season, according to the National Fire Protection Association. Learn more about winter electrical fire losses that may appear in claims during StrikeCheck’s What to Look for in Winter Electrical Fires webinar. Technical Education Manager Jay Dykstra will discuss a variety of potential...

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What to Look for in Winter Electrical Fires Webinar

The What to Look for in Winter Electrical Fires webinar has already occurred. You can watch the recording here. Home fires occur more often in winter than in any other season, according to the National Fire Protection Association. Learn more about winter electrical fire losses that may appear in claims during StrikeCheck’s What to Look for in Winter Electrical Fires webinar. Technical Education Manager Jay Dykstra will discuss a variety of potential...

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What to Look for in Winter Electrical Fires Webinar

The What to Look for in Winter Electrical Fires webinar has already occurred. You can watch the recording here. Home fires occur more often in winter than in any other season, according to the National Fire Protection Association. Learn more about winter electrical fire losses that may appear in claims during StrikeCheck’s What to Look for in Winter Electrical Fires webinar. Technical Education Manager Jay Dykstra will discuss a variety of potential...

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What to Look for in Winter Electrical Fires Webinar

The What to Look for in Winter Electrical Fires webinar has already occurred. You can watch the recording here. Home fires occur more often in winter than in any other season, according to the National Fire Protection Association. Learn more about winter electrical fire losses that may appear in claims during StrikeCheck’s What to Look for in Winter Electrical Fires webinar. Technical Education Manager Jay Dykstra will discuss a variety of potential...

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Hurricane-Related Electronics Claims Myths Quiz and Fact Sheet

Adjusters, do you think you can decipher between fact and fiction? Click the link to take a short quiz to see if you can tell the difference between a hurricane claims myths and facts. You can also read the truth behind 10 common myths. Don’t be fooled on your next hurricane-related claim. ...

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Dishwasher Components Guide

Dishwashers are a modern convenience found in many homes. Like all electrical appliances, dishwashers may malfunction after a high voltage surge. However, other perils could be to blame, particularly wear and tear. Learn more about which components may be at fault and how a unit can be repaired. This guide shows some important components of a built-in, under-counter residential dishwasher and what damage adjusters should look for when they wind up in claims. Fill out your form to get your adjuster’s guide...

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What Perils to Expect from Washer and Dryer Claims

Article

It’s time to air your policyholders’ dirty laundry. Nearly 30 percent of all washers and dryers included in claims last year were non-damaged at the time of StrikeCheck’s assessment and could have led to unnecessary settlements had adjusters not verified cause of loss. As for the other 70 percent, read on to better understand which laundry equipment may be more susceptible to certain perils and why. Failures to Top Load and Front Load Washers

Front load washers and dryers have...

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High vs. Low Voltage Equipment and Why It Matters in Claims

Article

Appliances represented nearly half of all equipment that adjusters assigned StrikeCheck to evaluate last year, beating out consumer electronics as the items most frequently included in claims. Damages to each category were often caused by high voltage surge, and adjusters should know how surge losses to high and low voltage equipment may impact potential settlements. Why Does Surge Damage Occur? To better understand which components are at risk for high voltage surge losses, it’s critical to know what...

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What Makes Pool and Hot Tub Claims Different? Webinar Recording

As the weather heats up, customers are using their pools to cool down. Malfunctioning pool and hot tub components could lead to costly claims, particularly if you aren’t as familiar with the types policyholders may have or what repairs could return them to pre-loss condition. You can learn more about these claims in StrikeCheck’s webinar, What Makes Pool and Hot Tub Claims Different? Technical Education Manager Jay Dykstra will cover:

  • Pool and hot tub equipment claims significance
  • Types...

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4 Common Generator Perils

Article

Power outages are a common occurrence during hurricane season and after other storms throughout the year, and many homeowners turn to generators while trying to get back to normal. Though generators can be helpful during times of trouble, their failures can lead to insurance claims. Here are the four common generator perils that adjusters should watch out for. 1. High Voltage Surge A standby generator is connected to the home’s or business’ electrical system through an automatic transfer switch,...

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Pool Heat Pump Case Study

Pool equipment has many repairable components, and adjusters should know that full replacement may not be necessary when settling a claim. In this case study, a pool’s heat pump failed, and a contractor recommended full replacement. The adjuster contacted StrikeCheck to perform a quick and accurate assessment to reveal the source of the problem and prevent claim leakage. Fill out the form to find out what StrikeCheck learned when assessing the heat pump, and how we arrived at a more accurate...

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Finding the Correct Cause of Loss in Hot Tub Claims

Article

Many homes in the United States feature outdoor hot tubs, which are a popular resource for recreation, hydrotherapy, and relaxation. Unfortunately, hot tubs are susceptible to perils, including high voltage surge to their electronics, freeze damage during cold winter months, and other weather-related causes of loss. When a hot tub malfunctions, the policyholder may file a claim for an expensive full replacement. Adjusters should know a little about hot tubs, their components, and their losses, before settling these types of...

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Which Electronic Specialty Items Will Have Wind Losses This Hurricane Season?

Article

Not all electronics are safe from wind impacts, which are covered by most standard homeowners insurance policies. These eight electrically powered specialty items are known to sustain wind losses and are often included in claims.

  1. Electrical Systems

Electrical systems could have wires or electrical power poles disturbed by wind.

Electrical systems have multiple components that transfer electricity from the utility provider to a home or business. Strong winds can cause some equipment, such as the electrical power poles, to become...

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The 5 W’s of Lightning Claims for Adjusters Guide

Adjusters must solve the 5 W’s – Who, What, When, Where, and Why – before settling any property claim, and lightning claims are no exception. Fill out the form to receive your copy of the 5 W’s of Lightning Claims for Adjusters guide to get the answers to:

  • Who can be impacted by lightning claims?
  • What property does lightning frequently affect?
  • When do most lightning strikes occur?
  • Where are lightning claims likely to occur?
  • Why do lightning claims matter?
Knowing the answers...

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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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How to Handle Lightning and Surge Claims Without Guesswork Webinar Recording

Lightning is one of the most frequently reported causes of loss listed on HVAC and electronics claims – policyholders reported it for almost 20% of HVAC systems and nearly 40% of electronics in claims that StrikeCheck and HVACi handled last year. Advancement in testing tools and verification reports have made it easier for adjusters to confirm or exclude these perils before settling a claim unnecessarily. Topics include:

  • Lightning and surge claims significance
  • Lightning and surge fundamentals
  • Residential systems susceptible to lightning...

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Essentials of Settling Water-Related HVAC Claims Webinar

The Essentials of Settling Water-Related HVAC Claims webinar has already occurred. You can watch the recording here Floods, foundation leaks, sump pump failures, and roof leaks can cause major damages to homes and businesses. Among the items impacted are HVAC systems. By the end of the Essentials of Settling Water-Related HVAC Claims Webinar you’ll know about water’s impact to split systems, ductwork, and package units, among other components. Topics include: 

    ...

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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. Items include commercial phone systems, point of sale systems, commercial signs, security systems, electrical systems, solar power systems, and other commercial items. You’ll get a better handle on what distinguishes them from their residential counterparts and which perils are likely to impact them. Topics include:

  • Understand the significance of commercial electronics and specialty equipment claims
  • Examine common and specialty commercial systems...

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Lightning and Surge Claim Case Study: Number of Items Grows

Lightning is one of the most reported perils, particularly for electronics. And unlike some other causes of loss, lightning and surges can impact a variety of items – though it may not be noticed right away. This can result in policyholders needing to add more property to a claim after it’s already been filed. The adjuster had already sought StrikeCheck’s assistance to examine all of the electronics included in the claim. Luckily, the team is equipped to take on any...

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How Surge Protection Can Decrease Losses – But Why It Won’t Eliminate Them

Article

High voltage surges affected half the electronics included in claims that adjusters assigned StrikeCheck to evaluate last year, as shown in the CCG IQ 2021 Annual Report. Policyholders and adjusters alike may be looking for ways to decrease that percentage of losses through various types of surge protection, including those using smart technology. It’s critical to understand what different types of surge protectors exist – and why they won’t prevent all electrical surges. Why Are Surges So Prevalent? ...

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Lightning Claim Case Study: Three Needs, One Solution

Claims often include multiple items that need people with specialized knowledge to inspect them. The adjuster for the claim described in this case study sought HVACi’s help to determine if a flue pipe and HVAC system were damaged by lightning. When the insured complained of circuit breakers tripping, the adjuster asked the HVACi experts to get help from StrikeCheck team to add an electrical system evaluation to the assessment scope. StrikeCheck’s lightning verification reports added further data to verify the...

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Lightning and Surge Impacts in Property Claims Guide

Lightning and surge are the most frequently reported or determined cause of loss for commercial and residential policyholders. Better understand these two perils, what causes them and which types of equipment are most susceptible to surge and lightning impacts with the Lightning and Surge Impacts in Property Claims Guide. Fill out the form to get your copy...

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Claims Leakage Reduction Strategy: Susceptible Electronics to Watch Out For

Article

Carriers are continually strategizing how to fight back against the growing difference between what they spent and what they should have spent on a claim. Claims leakage cost carriers more than $30 billion annually and accounted for 5 – 10% of all claims paid, according to a 2019 article by Hyland Software Inc. In the years since, that number may have even gotten worse because of claims related to COVID-19 and extreme weather events.

Property claims settlements...

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Guide to High Voltage Surge Claims with Electronics

Lights are flickering, electronics aren’t powering on, or appliances aren’t working as designed. Policyholders facing these situations may report these as lightning, unknown, or another peril and hope carriers will help them resolve the issue. Often, they lead back to damage caused by high voltage surge. Adjusters should understand why high voltage surge losses are so prevalent and what all could be impacted. Fill out the form to receive your Guide to High Voltage Surge Claims with Electronics. This overview gives adjusters information...

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CCG IQ 2021 Annual Report

Extreme weather took its toll on property claims in 2021, and more than half of all policyholder-reported perils were recategorized following an independent assessment. The data behind these trends – and others – is available in the CCG IQ 2021 Annual Report. Experts at HVACi and StrikeCheck, CCG IQ’s damage assessment companies, evaluated hundreds of thousands of items included in claims involving HVAC and Refrigeration systems and electrically powered items. The CCG IQ team analyzed the results of assessments that adjusters assigned...

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How to Handle Lightning and Surge Claims Without Guesswork Webinar

The How to Handle Lightning and Surge Claims Without Guesswork webinar has already occurred. You can watch the recording here Lightning is one of the most frequently reported causes of loss listed on HVAC and electronics claims – policyholders reported it for almost 20% of HVAC systems and nearly 40% of electronics in claims that HVACi and StrikeCheck handled last year. Advancement in testing tools and verification reports have made it easier for adjusters...

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How to Handle Lightning and Surge Claims Without Guesswork Webinar

The How to Handle Lightning and Surge Claims Without Guesswork webinar has already occurred. You can watch the recording here Lightning is one of the most frequently reported causes of loss listed on HVAC and electronics claims – policyholders reported it for almost 20% of HVAC systems and nearly 40% of electronics in claims that HVACi and StrikeCheck handled last year. Advancement in testing tools and verification reports have made it easier for adjusters...

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How to Handle Lightning and Surge Claims Without Guesswork Webinar

The How to Handle Lightning and Surge Claims Without Guesswork webinar has already occurred. You can watch the recording here Lightning is one of the most frequently reported causes of loss listed on HVAC and electronics claims – policyholders reported it for almost 20% of HVAC systems and nearly 40% of electronics in claims that HVACi and StrikeCheck handled last year. Advancement in testing tools and verification reports have made it easier for adjusters...

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How to Handle Lightning and Surge Claims Without Guesswork Webinar

The How to Handle Lightning and Surge Claims Without Guesswork webinar has already occurred. You can watch the recording here Lightning is one of the most frequently reported causes of loss listed on HVAC and electronics claims – policyholders reported it for almost 20% of HVAC systems and nearly 40% of electronics in claims that HVACi and StrikeCheck handled last year. Advancement in testing tools and verification reports have made it easier for adjusters...

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How to Handle Lightning and Surge Claims Without Guesswork Webinar

The How to Handle Lightning and Surge Claims Without Guesswork webinar has already occurred. You can watch the recording here Lightning is one of the most frequently reported causes of loss listed on HVAC and electronics claims – policyholders reported it for almost 20% of HVAC systems and nearly 40% of electronics in claims that HVACi and StrikeCheck handled last year. Advancement in testing tools and verification reports have made it easier for adjusters...

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Get Technical Equipment and Claims Questions Answered With “Q&A With Jay”

If you’ve attended a StrikeCheck or HVACi webinar over the last few years, you’ve probably heard our Technical Education Manager Jay Dykstra unpack complex topics such as solar panels, lightning and surge losses to electronics, and the impacts of other causes of loss to frequently claimed equipment. Now you may get some of those technical questions answered outside of the webinar setting with “Q&A With Jay.” Adjusters and insurance professionals can submit questions to be considered for Q&A With Jay by...

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3 Ways to Receive Superior Customer Service From Your Claims Vendor

Adjusters often need equipment assessment support before settling claims. Ensure your claims vendor has these 3 characteristics, and see how StrikeCheck delivers them. ...

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Exploring Solar Power System Claims Webinar Recording

Solar power continues to gain popularity as an alternative energy source that reduces environmental impacts. This complex equipment is at risk for a variety of perils, particularly because it’s located outside. Understand how solar power systems work and be more prepared to settle these claims through the Exploring Solar Power System Claims Webinar. Among the topics Technical Education Manager Jay Dykstra will cover are:

  • The Significance of Solar Power Claims
  • Photovoltaic (PV) Systems Fundamentals
  • Frequent Damages to Solar Power Systems
  • Real-Life...

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What To Look For In Water Heater Claims eBook

Water heaters can be difficult to evaluate, particularly because there are multiple types, such as tankless or tank water heaters and different heating sources, including gas or electric. StrikeCheck’s What to Look for in Water Heater Claims eBook provides information adjusters need to know to settle claims with water heaters more accurately. In this eBook adjusters will find overviews about:

  • Water heater claims trends
  • Types of water heaters, including conventional tanked water heaters and tankless water heaters
  • Water heater losses, such...

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Solar Power System Claim Case Study

Solar power equipment is one of the electrically powered items that has a high risk of claims leakage. Not only does it not always need replacement, it isn’t always damaged by a covered loss. The claim described in this case study included nearly $22,000 of claimed solar power equipment; however, it appeared to be malfunctioning because of a damaged circuit breaker. The circuit breaker cost a couple hundred dollars – and the 30 claimed solar panels were non-damaged. Fill out the form...

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Electrical Fire Case Study

Don’t settle claims with unfamiliar, complex equipment before determining cause of loss and scope of damage. An adjuster needed support settling the claim described in this case study. The policyholder reported multiple residential appliances and specialty equipment had been impacted by a fire. Among the carrier’s challenges were an unknown scope of damage, unfamiliarity with complex equipment, and a need for the evaluation results quickly. Fill out the form to read how StrikeCheck helped the adjuster overcome those challenges to settle the...

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StrikeCheck Client Case Study

Both the smaller and largest carriers benefit from using StrikeCheck’s assessment and desktop review services, and the data demonstrates that. A Top 5 Property and Casualty insurance carrier entrusted StrikeCheck to determine the cause of loss and scope of damage for more than 300 types of electrically powered items through assessments. The insurance professionals also applied our lightning verification reports to confirm the presence of lightning for claims with reported lightning or surge damage. Fill out the form to see the carrier’s...

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How Electronics Trends Could Affect Property Claims in 2022

Article

Insurance professionals and policyholders have likely noticed an increase in technology advancements, the number of people working remotely, and the amount of extreme weather that took place in 2020 and 2021. While policyholders have already felt consequences from these, the impacts specific to electronics claims are likely to continue in the coming year. More Consumer Electronics Use Means More Wear and Tear Nearly 1 in 4 Americans have been working remotely or in a hybrid setting because of the...

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Causes of Loss in Solar Power Equipment Claims Guide

Solar power systems, including inverters, panels, controllers, and chargers, are frequently included in insurance claims for damages – particularly after a reported lightning strike. However, direct lightning is one of the least likely causes of loss for this equipment. Fill out the form to receive your copy of the Causes of Loss in Solar Power Equipment Claims Guide to find out more about 5 other perils that more frequently damage this equipment. You’ll read brief overviews of how each peril, including high...

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Adjusters’ Crash Course on Water Heaters Webinar Recording

Avoid getting in hot water over a mishandled water heater claim, and don’t underestimate the importance of knowing the fundamentals of this complex equipment. To start, water heaters have specific codes and regulations that policyholders must follow. They also come in a variety of types and use various heating sources. These characteristics can impact which peril is more likely to damage certain water heaters. It’s critical adjusters understand why they make a difference before settling their next water heater-related claim. We’ll...

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Water Heater Claim Case Study

Adjusters rely on StrikeCheck to accurately verify if lightning was present at the time of loss and if it damaged the claimed equipment. In this case study, the insured filed a claim after lightning reportedly damaged a water heater, oven, computer, and washing machine. StrikeCheck used lightning verification reports and testing based on engineering best practices to figure out if that was true. Fill out the form to find out what our evaluation determined and how the adjuster benefited from seeking the...

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What to Consider Before Settling Smoke and Fire Claims with Consumer Electronics

Article

Nearly 1.3 million fires occurred in the United States in 2019, according to the latest report from the U.S. Fire Administration. More than likely, each resulted in an insurance claim. However, adjusters should take heed that not everything included in a fire and smoke claim will have sustained damage or have damages from a covered loss – and if they do, they do not all need to be replaced. Claimed consumer electronics with reported smoke and fire damages...

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Smoke and Fire Claims: Consumer Electronics

What percentage of consumer electronics that were included in smoke and fire claims were actually damaged by that peril? Fill out the form to find out the answer in the Smoke and Fire Claims: Consumer Electronics Guide. The data doesn’t lie. Discover the importance of evaluating equipment even when the peril seems like it should be obvious. You may be surprised how many claims adjusters could have settled unnecessarily based on an incorrect cause of loss. Receive your guide that also covers...

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What To Look For In Water Heater Claims eBook

Water heaters can be difficult to evaluate, particularly because there are multiple types, such as tankless or tank water heaters and different heating sources, including gas or electric. StrikeCheck’s What to Look for in Water Heater Claims eBook provides information adjusters need to know to settle claims with water heaters more accurately. In this eBook adjusters will find overviews about:

  • Water heater claims trends
  • Types of water heaters, including conventional tanked water heaters and tankless water heaters
  • Water heater losses, such...

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Are You Accurately Settling Commercial Claims?

Commercial claims often risk thousands of dollars of claims leakage if not settled accurately. Consider the following data before you settle your next...

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Electrical Service Panel Risks in Property Claims

Article

The following article on “Electrical service panel risks in property claims,” written by Jay Dykstra of HVACi and StrikeCheck, was originally published on Property Casualty 360. Policyholders may be quick to file claims seeking settlements for replacements of faulty electronics or flickering lights, particularly after hurricanes, floods and windstorms. In reality, the problem may be within the electrical service panel. Damages to service panels could have major impacts on your policyholders, including causing business...

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How Desktop Reviews Support Accurate Claims Settlements

Article

Even claims that seem cut and dry with an obvious cause of loss and scope of damage can increase a carrier’s claims leakage. This has negative impacts for insurance companies and policyholders. Desktop review services can reduce this risk and ensure claims that don’t require onsite assessments are settled quickly and accurately. Adjusters find them helpful to verify that any necessary replacements and repairs are of Like Kind and Quality (LKQ) and that the settlement is in line with market values...

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Exploring HVAC Heating Season Claims Webinar

The Exploring HVAC Heating Season Claims Webinar has already occurred. You can watch the recording here. Identify which claimed heating system damages are most likely to have been sustained from lack of maintenance or other common causes of loss during the Exploring HVAC Heating Season Claims Webinar. Standard vs. high efficiency furnaces, air source heat pumps, and boilers are among the heating equipment to be discussed as these are the items policyholders most often use, and claim, during winter months and...

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Refrigerator Claims: What Adjusters Should Know

Article

When you were a child, did you ever open the refrigerator super-fast to try to find out if the light always stayed on? Unfortunately, handling residential refrigerator claims is typically a much more difficult mystery to solve and requires a lot more thorough investigation.

Handling refrigerator claims is more complex than determining if the light stays on in the fridge, and it often requires expert help.

The following critical information can help adjusters clear up some misconceptions and know what...

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Residential Refrigerator Schematic

Residential policyholders often assume their refrigerator needs to be removed from the wall to be inspected. Fill out the form to receive your schematic that shows why that often isn’t true and where components that may need to be inspected are located. The guide also includes the:

  • Percentage of claimed residential refrigerators that don’t need replacement
  • Percentage of assessment results with perils not typically covered by a policy
  • Top three reported causes of loss
  • Most evaluated...

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