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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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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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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Commercial Generators Guide

It’s easy to forget that commercial generators are a necessary piece of equipment to keep businesses up and running, but they still wind up in property claims. Commercial adjusters can be better prepared for handling claims that include commercial generators by knowing about the different types, when they are used, and how they work with the help of our Commercial Generators guide. Fill out the form to get a copy, and you’ll also find out which brands are frequently claimed and...

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Networking Equipment Basics

The internet is a must-have item at home or at work, but it requires a host of networking equipment to keep your policyholders connected. Our guide breaks down various types of networking equipment, including routers, modems, wireless access points, and switches, that frequently appear in claims adjusters assign StrikeCheck to assess for scope of damage and fair settlement solutions. Fill out the form to receive your networking equipment guide so you, too, know more about these items when they show up...

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StrikeCheck’s 2020 Annual Claims Report

StrikeCheck’s 2020 Annual Claims Report provides carriers with powerful insights and a thorough analysis into how Property & Casualty claim professionals can make data-driven decisions regarding electrically powered equipment. The figures in this report are derived from many thousands of claims in all 50 states that the nation’s top carriers assigned to StrikeCheck in 2019. The results underscore the significance of implementing a standardized process for handling electronics claims to reduce the risk of claim leakage while maintaining a positive...

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Winter Electrical Fires

Did you know that December and January are the leading months for residential fires? While the risk is prevalent year-round, it’s even greater in the winter months, particularly for electrical fires. But what are the most common culprits of these fires, and how can such losses be prevented? Our infographic on this topic contains critical information for insurance professionals to read and share throughout the winter months. To request your free copy, fill out the provided...

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Solar Power Claims Kit for Adjusters

Solar energy is becoming more popular each year and as a result, claims involving solar power system components have been landing on the desks of adjusters everywhere. With over 2 million solar installations nationwide, it’s critical that you learn more about these systems to ensure you can handle these claims with confidence. To help you accomplish this, we’ve put together a kit of our top-rated solar power claim resources. The included videos, guides, and articles, you will teach you:

  • How...

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Generator Maintenance Guide

According to the U.S. Energy Information Administration, each year, the average American property experiences at least one power outage lasting more than 5 minutes. It’s not surprising, then, that standby generators are becoming more popular as a backup energy source, as they engage automatically whenever a property loses power. Of course, the rising prevalence of generators also means an increased chance of damaged ones, and we want insurance adjusters like you to have the knowledge you need to handle these...

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Preventing Excessive Damage from Water Heater Losses

When an insured comes to you with a water heater claim, the damage isn’t always limited to the water heater itself. Floors, ceilings, walls, and personal property are all at risk of being damaged by a leaking or burst water heater. However, there are things that an insured can and should be doing to avoid these additional losses. We know that not all insurance adjusters are water heater experts, so we have compiled a useful guide to Preventing Excessive Damage from...

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Smart Home Components Overview

Our Connected World: An Overview of Smart Home Components and Claims Our world is becoming more and more connected. Smart devices are becoming more common in the home, and we’re not just talking about smartphones. Refrigerators, ranges, washers, dryers, garage door openers, and even locks are becoming interconnected with the Internet of Things. With the growth of this ever-evolving technology, claims involving smart devices in the home are also becoming more common.  If your customers come to you...

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Whole Home Surge/Lightning

The most commonly claimed perils affecting residential electronics are lightning and high voltage surge. Considering that 16% of the claimed items evaluated by our technicians in 2018 were found to be non-damaged (StrikeCheck 2019 Annual Claims Report), it’s critical that a thorough investigation is conducted prior to settling a lightning or high voltage surge claim.  We want to make sure you have the knowledge you need to handle these claims and the...

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Well Pump Testing Guide

How to Efficiently Handle Well Pump Claims When your customers have well pumps that get damaged, those claims need to be handled fast -- after all, you don’t want to leave a home without water for too long. While it may be necessary to pull the pump to figure out what’s wrong, that’s not always the case. Before you decide on claim settlements for well pumps, you should be ready to ask the right questions and find the right...

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Well Pump Overview

Submersible Well Pumps As an insurance adjuster, you’re may see claims for damaged well pumps, particularly submersible well pumps. These well pumps push water from below the ground into a home using several complex components, and there are plenty of ways that these can fail. When they do, you’ll need to be prepared for the claims that will come to your desk. At StrikeCheck, we see well pump claims pretty frequently (they make up a whopping 41% of...

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Water Heater Overview

Storage Hot Water Heaters: An Overview The most common hot water heaters in homes and businesses tend to be storage or “tank-type” units that heat anywhere from 25 to 100 gallons of water at a time. At StrikeCheck in 2018, 47% of our plumbing equipment claims were water heater related (StrikeCheck 2019 Annual Claims Report). At that rate, an insurance adjuster like yourself is likely to see a water heater claim cross your desk,...

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Water Damage to Electronics

14,000 homeowners face losses from water damage every day. At that rate, an insurance adjuster is likely to find themselves handling a water damage claim. If you’re one such adjuster, you’ll want to know:

  • How often water damage is correctly (or incorrectly!) claimed as the cause of loss;
  • What to look for when assessing water damage to electronics;
  • Percentages of electronic types that are damaged by...

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Washer and Dryer Overview

When you deal with homeowners insurance claims, you’re pretty likely to handle claims that include washer and dryer damage. In fact, washers and dryers made up 36% of the large appliances we evaluated at StrikeCheck in 2018 (StrikeCheck 2019 Annual Claims Report). When you’re addressing these claims, you want to make sure your decisions are informed, accurate, and timely, but if you’re not an expert on these machines, that can be a little...

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TV LKQ Checklist

More than half of all entertainment electronics claims that StrikeCheck evaluated in 2018 were for televisions (StrikeCheck 2019 Annual Claims Report). When coverage is found for a claimed television, you’ll want to make sure that you’re replacing a customer’s television with Like Kind and Quality. With the ever-evolving nature of television technology, that’s not always easy to do.  At StrikeCheck we know where you’re coming from, and we want to give insurance...

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Tankless Water Heater Guide

Tankless water heaters are slowly becoming more common (Consumer Reports) thanks to their energy-saving properties that lower utility bills, and with their rising popularity can come more related claims. You want to be ready for these claims, so you need to equip yourself with the basics of tankless water heaters. That’s why our StrikeCheck experts have put together a guide to tankless water heater claims as an easy reference for insurance adjusters...

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Sump Pump Overview

Many houses, particularly those built within the last 30 years, have sump pumps to prevent moisture from building up beneath the home. When these sump pumps fail, massive water damage can be the result, meaning that insurance adjusters like you will have to handle those claims. It’s critical that you have the knowledge you need to handle these claims quickly and effectively, and that means being able to understand estimates, know what parts make up a sump pump,...

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Solar Panel Overview

How They Work: Residential Solar Electricity Systems The cost of residential solar panel systems has dropped 50% since 2014 (according to the Office of Energy Efficiency and Renewable Energy), and as a result, solar panels are becoming more and more popular as they become competitive with more conventional means of energy production. Of course, that also means that more insurance claims will be filed for these systems, and that increases the chances that a...

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Refrigerator Claim Guide

Essential for modern food storage, refrigerators are the most commonly owned appliance in U.S. homes. As such, you’re likely to see them in claims at some point -- in fact, 29% of the large appliance claims we saw at StrikeCheck in 2018 were for refrigerators (StrikeCheck 2019 Annual Claims Report). As an insurance adjuster, you’re not expected to be a fridge expert -- and you don’t have to be -- but you do...

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Pool Equipment Overview

There are more than 8 million residential swimming pools in the U.S. (Association of Pool and Spa Professionals), and the systems used to clean and maintain a pool are quite complex. There are multiple electrical and mechanical machines that contribute to the maintenance of a clean and comfortable pool. As such, you’re likely to see a couple of claims for pool systems as an insurance adjuster. If you aren’t well-versed in pool...

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Ovens and Ranges Overview

What to Consider When Handling Claims for Ranges, Ovens, and Cooktops Ovens, ranges, and cooktops can be very expensive to replace, and a lot of times, when claims come up for these appliances, that’s what is recommended. However, of all oven, range, and cooktops that we evaluated last year, we only recommended replacement in 19% of cases. As an insurance adjuster dealing with claims like this, you want to make sure you settle the claim accurately, so you’ll want...

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Leaking and Burst Water Heaters

Nearly 70% of water heater failures come from a slow leak or sudden burst, and while the level of damage that results varies, these failures are all potential claims that can end up on your desk. As an insurance adjuster, you need to know enough about water heaters to handle these claims accurately and quickly, and speed is key here -- after all, insured with water heaters that have burst or are leaking are without hot water and...

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Hot Tub Freeze Damage

With millions of residential hot tubs and spas in the U.S. -- and more than half of them in the northern states -- there’s a good chance you’ll end up handling a hot tub claim. Many people living up north, who face temperatures well below freezing for most of the winter, tend to use their hot tubs and spas during the colder months. Since they don’t winterize their systems, it increases the likelihood that there will be damage...

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High Voltage Surge Guide

When a high voltage surge occurs, it can lead to the failure of just about any electrical device or system plugged into the affected area, including appliances and entertainment systems, or even the wiring itself! If this happens, you could find a claim in your queue that you need to address. You don’t want to go into these claims blind or struggle with terminology. You want to be informed and able to handle these claims as effectively and...

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Generator Overview

Many homes and businesses have standby generators (sometimes called “backup generators”) in case of a power outage. Unfortunately, there are several electrical and mechanical components susceptible to damage through surge or lack of maintenance, and the exact cause isn’t always immediately apparent. When a generator claim falls into your queue, you want to make sure that it is evaluated correctly and quickly, so you want to know as much as you can about these generators. At StrikeCheck,...

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Electrical Wiring Claim Overview

Understanding Claims for Wiring Damage There are a number of causes for damaged wiring, including improper installation, wear and tear, and lightning strikes, but regardless of the cause, it can potentially cause a fire if left unchecked. If a customer is claiming damaged wiring, the inspection must be done carefully and thoroughly, as the goal is to restore their wiring not only for the sake of efficiency but also for safety. As an insurance adjuster, you want to...

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Electrical Service Panels

A key component of any electrical system in a home or business is the electrical service panel. These panels redirect electricity from the grid (through the meter) into the various appliances, outlets, and devices on the property that need electrical power. Damage to an electrical panel can result in total loss of power, and that can mean that a complex or urgent (or both!) claim lands on your desk. As an insurance adjuster, it’s important that you know...

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Dishwasher Claim Guide

Dishwashers are an incredible time-saving device (saving each household perhaps hundreds of hours a year according to EnergyStar). So when an insured comes to you saying their dishwasher is broken and should be covered, they want it back up and running fast. As an insurance adjuster, you need to get that claim evaluated and processed as quickly as possible to keep the customer happy. Even if you’re not an...

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Computer LKQ Checklist

Over three-quarters of all households in the U.S. have computers (Census.gov), so they can be a recurring hassle for property claims adjusters. Computers are complicated machines that come in many forms, so when you have a claim that involves a computer, there are several issues that can arise. And, when you need to restore Like Kind and Quality (LKQ) to the insured, there are a lot of factors that need to be taken...

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Electrical Systems Claims Kit for Insurance Adjusters

Evaluating claims for electrical systems can be incredibly complex, especially if you aren’t an electrician or an electrical engineer. As an insurance adjuster, you still want to handle these claims accurately and quickly, but that’s not always easy. At StrikeCheck, we get it, so we did the heavy lifting and put together a kit for insurance adjusters to make that job a bit easier. In our Electrical Systems Claims Kit, we’ve compiled a webinar, video, and multiple...

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Alarm System Overview

Residential Alarm Systems With the number of homes and businesses with security systems rising, insurance adjusters like you are more likely to see claims for these electrical systems. If you’re not a security system technician, you might not be 100% in the know when these claims come to you.  Thankfully, at StrikeCheck, we have security system experts who can help. We have compiled some of our industry expertise to create an easy-to-read guide to the types and components...

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Hurricane Claims Kit

As we've all noticed, the frequency and intensity of hurricanes has been steadily rising in recent years (Popular Science). This combined with the increased population along the U.S. coastline has lead to an increased risk of hurricane damage. In fact, according to CoreLogic’s Storm Surge Report, there are currently over 800,000 US residential properties at extreme risk (would be affected by a Category 1-5 hurricane) for storm surge damage. The report also...

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Solar Power System Components Guide

Solar power systems are becoming more and more popular as their cost becomes more competitive with conventional energy production systems. As a result, more insured homes have these systems, increasing the chance that solar power system claims will end up in the queues of insurance adjusters like you. If you aren’t a solar power system expert, the estimate for such a claim may be a bit confusing once it lands on your desk. You want to make sure...

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Water Heater and Well Pump Claim Kit

Claims involving water heaters and well pumps can be difficult to settle and time sensitive, as the insured is likely without water. While both essential pieces of equipment can be costly to replace, there is often a repair option available to return the insured to pre-loss condition. Additionally, these systems are frequently found to have been damaged by a typically non-covered peril. It is therefore critical that you have all of the information and resources necessary to handle these claims...

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