Central Coast Claims
Association News Network
A Professional Insurance Claims Organization
Insuring The Insurer
November 2012
Volume XX • Number IX
www.CentralCoastClaims .org
Since 1993 with the CCCA
Next Up For CCCA
How To Install A Window
Join the Central Coast Claims Association in welcoming Jay Carey
as our guest speaker for the November 15, 2012 luncheon
Plan Now to Attend the next
CCCA luncheon meeting
Thursday
November 15, 2012
Welcoming guest speaker
Jay Carey
Axis Consutling, Inc.
at
Holiday Food Drive!
Bring any Non-Perishable
Food to the November
Luncheon Meeting
Scott’s Seafood
185 Park Ave., San Jose, California
Please join us and the 2nd Harvest Food Bank
for a Fund Raiser with Central Coast Claims.
Bring in any nonperishable food to the luncheon, and help the hungry to have a good
Thanksgiving.
Your Central Coast Claims Association Board of Directors
2012 Officers
President
VICE President
Denise Garcia
Tammy Cothran
Polygon
(408) 483-7370
AAA
[email protected]
denise.garcia @polygongroup.com
Education/Speakers
Bill Weber
Anderson Group, Int’l
Bowling Tournament
Denise Garcia
2
Secretary
Treasurer
Alliance Environmental
(408) 830-9700
Casualty Adjusters Guide
(408) 782-5998
[email protected]
[email protected]
Jackie Mezeul
Shelly Lefore
2012 Board of Directors
Golf Tournament
Kim MacFarlane
Charitable Foundations Marketing & Membership
Steve Churchill
Karen Batista
PW Stephens Env., Inc.
Koning & Associates
Disaster Kleenup Specialists
Dan Ward
Bryan Harrison
Albert King
American Technologies, Inc. Association News Network, Inc.
Disaster Kleenup Specialists
Past President
Kim MacFarlane
PW Stephens Env., Inc.
(510) 504-0160
[email protected]
CCNC Reps
Ray Depa
Crawford & Co.
Shelly Lefore
Casualty Adjusters Guide, Inc.
Bryan Harrison
Association News Network, Inc.
November 2012 Central Coast Claims Association News Network
CCCA Winding Toward Year-End
www.CentralCoastClaims.org
Insuring The Insurer
November 2012
Volume XX . Number IX
Inside this issue
2
2012 CCCA Officers &
Board of Directors
3
4
People On The Move
5
6
President’s Message
CCCA 2012 Calendar of Events
Reed on The Latest in Coverage Case
Law Decisions at October 13 CCCA
7
Up Next: How To Install A Window at
November 15 CCCA
8
C.C.C.A.N.N. Services Directory
9
10
12
News From The DOI
A.N.N. Job Connection
CCCA 2013 Membership
Application
www.CentralCoastClaims.org
November Message
from 2012 CCCA President
Denise Garcia
We are well into the month of November and I’m
wondering where the year has gone. It’s already
time for us to wrap up the 2012 year for the CCCA.
The November luncheon will bring a new board of
directors and I’m confident all the volunteers will do
a remarkable job. We are still looking for someone
to step up for the President position. The rest of the
board is set and there are plenty of people to help out. If you or someone
you know is interested, please contact me or any of the board members.
Criteria for this position: A big heart, a little time and a genuine concern for
our industry. I guarantee you will get back so much more than you put into
it! The friendships I have made through this association are priceless!
Our Christmas luncheon will be here before you know it. Don’t miss out!
We are set for December 6th at Scott’s Seafood in downtown San Jose. We
will be presenting all of our charitable donations including a couple of new
organizations! Come see where your money is helping out! The CCCA
truly does make a difference. We are always looking for more charitable
opportunities so make sure you get your favorite organization in the mix.
And don’t forget the presentation of the bowling awards! Bragging rights
for the entire year will start here, and the trophies provided by Interstate
Restoration aren’t too bad either!
Many of you I won’t see before the Thanksgiving Holiday. Make sure and
take time to reflect! This has been both an amazing and challenging year for
many. Myself included. But I will think of my Claims Association family
this year with a smile and gratitude for all the blessings you bring into my
life! So eat, drink, and be merry! But mostly, be thankful, and SAFE!
Happy Turkey Day to you All!
Denise Garcia
Denise Garcia
2012 CCCA President
Polygon • 408-483-7370 • denise.garcia @polygongroup.com
The Central Coast Claims Association News Network© is a production of Association News Network, Inc. Published monthly as a
free service to the CCCA with a commitment and dedication to the promotion and betterment of this professional organization. The views
and comments expressed within the articles herein do not necessarily reflect the views of A.N.N., Inc. or CCCA. Both the publisher and the
association assume no responsibility for any opinions and/or statements offered by contributing authors to the publication. Acceptance of
advertising material does not constitute endorsement of the products or services offered. A.N.N., Inc. reserves the right to reject any advertising copy or placement. We encourage industry support of this professional organization - its monthly newsletter publication and web site.
Go to:
www.CentralCoastClaims.org
Please submit articles for consideration by email, to:
Bryan Harrison, Publisher
[email protected] • 925.708.5569
For Advertising opportunities and information, contact:
Lynna Harrison, New Accounts Manager
[email protected] • 831.246.2530
© 1993-2012, all rights reserved • Association News Network, Inc. • www.AssociationNewsNetwork.com
2455 Naglee Rd. #263 . Tracy, CA 95304 • 209.229.8240 • fax 209.229.8328
November 2012 Central Coast Claims Association News Network
3
P
eople
on the Move
People on the Move is provided as a forum for industry-related announcements. Designed to help keep everyone concerned informed as
to what’s going on, and who is where, article material is placed and used at the discretion of Association News Network, Inc. Said use is
not intended to serve an endorsement of one company or individual over any other. Content is intended to inform. ANN, Inc. assumes
no responsibility as to accuracy of content provided. You, the reader, are encouraged to follow-up with a call or email with folks listed
to learn more. Please email your announcement with “People on the Move” in the subject line, to: [email protected]
Tucknott To Receive Life- charge, to attend the awards event. Please RSVP to Gina Channell-Allen,
President/Publisher of the Pleasanton Weekly, Danville Express, TriValley
time Achievement Award
Congratulations to Bob Tucknott, of
Tucknott Electric Co., on being selected
as the recipient of the Tri-Valley Heroes
Lifetime Achievement award!
Sponsored by the Pleasanton Weekly
news, the awards ceremony will be held on
Monday, November 19, at the Hilton Hotel
on Johnson Drive in Pleasanton. Doors will
open at 6:00 p.m., with the awards presentation to begin at 6:30. Heavy hors d’euvres
Bob Tucknott
will be served.
Award consideration is based on nominations received by the paper
each year.
Mr. Tucknott has extended the invitation to the reception, free of
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Revival Garment Restoration Announces
another Key Addition
Stephen Crotty and John Vigallon, of Revival Garment Restoration,
are very pleased to their new Marketing Representative for the Greater
Sacramento area, Ms. Diane Viodes.
Ms. Viodes started with RGR in July,
2012, in time for the Claims Conference
of Northern California. Her territory
ranges as far North as Redding and
Chico, and up to the Gold Country areas
of Placerville, Jackson and Sonora.
“I heard about RGR from a friend
that works in the restoration industry,” Diane Viodes
Diane told us. “Although I didn’t have industry experience, after
meeting Stephen and John, I felt that RGR was a company I could
really get behind and believe in.”
Diane comes to RGR with a long background in private education admissions. “I worked as a high school admissions rep for a
design college traveling Northern California, Oregon and Washington
doing presentations to high school seniors,” she explained. “I also
worked directly with students and helping them through the acceptance and admissions process.
“Most recently I was an Assistant Director of Admissions at The
Art Institute, Sacramento.” On top of all that, she also “the busy
mother of three sons ages 16, 12 and 9”.
Diane explained further that she feels she is “starting to build
relationships within the industry. It’s what I love about my new job.
I enjoy meeting new people and look forward to helping RGR grow.”
Originally from Cupertino, California, Diane makes her home
in the greater Sacramento area.
“In my spare time my greatest joy is to spend time with friends
and family. My three sons are all wrestlers and I love to get involved
with their teams and cheer them on. My husband is a high school
wrestling coach so being a coach’s wife keeps me pretty busy as
well.”
Diane Viodes, of Revival Garment Restoration, may be reached
at: 916-500-9145; or by email, at: [email protected].
November 2012 Central Coast Claims Association News Network
Luncheon Meetings resume at:
2012
Scott’s Seafood Restaurant
185 Park Avenue
San Jose, CA
Thursday
Thursday
November 15
December 6
CCCA Luncheon Meeting
at Scott’s Seafood
downtown San Jose
Annual CCCA Holiday Luncheon
Holiday Party!
at Scott’s Seafood
downtown San Jose
How To Install A Window
Jay Carey
CCCA Charitable Contributions
Toys for Tots
Bingo Fun • Great Lunch
Axis Consulting, Inc.
- see page 7 for more
Nominations for 2013 Central Coast Claims Association
officers will be held at the November 15, 2012 luncheon
meeting. For consideration, or to volunteer to serve,
please contact CCCA Nominations Committee Chair Ray
Depa: 650-333-6068, or email [email protected].
please bring a new, unwrapped, toy
or clothing to conribute to the Marines’
Toys for Tots program
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Service where you need it throughout
California • Arizona • Nevada • Oregon
North Dakota • Minnesota
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Corporate office:
935 Pardee Street
Berkeley, CA 94710-2623
Independent Roof Inspection, Inc.
Lic # 916959
For all Your Water & Moisture Claims
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November 2012 Central Coast Claims Association News Network
East Bay: 925-939-1300
Greater Sacramento: 916-254-5115
Silicon Valley: 408-510-5300
800-954-FIRE
[email protected]
5
Reed On Case Law Coverage Issues at October CCCA
By Bryan Harrison, Association News Network, Inc.
Coverage issues are an ongoing aspect of the claims world that
ultimately affect insurance policy rates, by way of underwriters drawing from rulings to amend policy language as deemed necessary. As
trends and rulings evolve, so changes the coverage language in insurance policies.
Addressing several recent key coverage-related cases at the October 20, 2012 Central Coast Claims Association luncheon was Low,
Ball & Lynch shareholder Christine Reed.
A returning speaker to the CCCA, Ms. Reed began by providing
focus on a case involving the stacking of policy limits on a “progressive & continuous” loss in the long-awaited decision of State of California v. Continental Insurance Company, et al., California Supreme
Court (August 9, 2012). She stated that “stacking of policy limits”,
(ie: allowing for an insured
to file claim against multiple
insurance policies held over
the combined time of an ongoing loss), is covered and
legitimate unless expressly
excluded. As a result, carriers are now writing exclusions to stacking into their
policy language.
The two other cases she touched
on were: Ortega v. Topa Insurance
Company, Court of Appeal, Third District (May 24, 2012) – automobile repair policy providing for tiered levels
of reimbursement; and Du v. Allstate
Insurance Company, US Court of Appeals, Ninth Circuit, (June 11, 2012)
– insurance bad faith refusal to make a
settlement offer.
Ms. Reed’s presentation was succinct and enlightening. She also invited
all to attend the firm’s free annual Sacramento Legal Seminar - in person or
by webinar, which was held last week.
CCCA President Denise Garcia
welcomed the October crowd.
CCCA members Lisa Winn and JoAnn
Dean with Vice President Tami Cothran.
CCCA member & newlywed Natalie Lagorio smiles with Secretary Jackie
Mezeul.
more photos at: CentralCoastClaims.org
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CCCA Speaker Committee Chair Bill Weber
thanked guest speaker Christine Reed follwoing her
informative presentation on coverage cases.
www.Alliance-Enviro.com
Hoyt Philipp
[email protected]
Direct: (408) 582-9212
Fax: (408) 582-9262
Cell: (408) 612-1961
CCCA members Rick Bishop and Sam
Belknap, of Settlement Planners at the
October meeting.
CA Contractor's Lic. #963219
Jeff Radzinski
[email protected]
Direct: (408) 582-9211
Fax: (408) 582-9261
Cell: (408) 836-0333
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November 2012 Central Coast Claims Association News Network
Next Up For CCCA
How To Install A Window
Join the Central Coast Claims Association in welcoming guest speaker for the
November 15, 2012 luncheon meeting, Mr. Jay Carey, of Axis Consulting
Plan Now to Attend the next
CCCA luncheon meeting
Jay Carey Senior Consultant
Mr. Carey is a
licensed general contractor in California,
License Number
661864. He obtained
his license in 1992.
continued page 10
Thursday
November 15, 2012
Welcoming guest speaker
Jay Carey
Window Installation Presentation
“Although this sounds like a simple task, properly
installing a window is one of the more prevalent problems
we find when we are investigating buildings on behalf of
owners, developer and contractors,” says Jay Carey, of Axis
Consulting, Inc. Mr. Carey, the scheduled guest speaker for
the November 15, 2012 luncheon meeting of the Central
Coast Claims Association, knows of what he speaks. His
presentation will focus on the various details involved.
“The purpose of this presentation is to first discuss the
process of window installation from framing to flashing
to setting the window. As part of the presentation, we
will provide a number of handouts providing technical
information on industry standards,” tells us.
“After we have discussed the how to’s of window
installation, we will then address the on-site conditions we
continued page 10
Axis Consulting, Inc.
at
Scott’s Seafood
185 Park Ave., San Jose, California
11:30 a.m. check-in
12:00 pm - 1:00 pm luncheon
Insurance Adjuster Members: $10
Insurance Adjuster Non-Members: $15
Associate Members: $35
Non-members or No Reservations: $45
Purchase your lunch Now online:
www.CentralCoastClaims.org
OR, for payment by check or cash at the door, please RSVP with
2012 CCCA Secretary Jackie Mezeul, of Alliance Environmental:
[email protected] or (408) 830-9700.
Serving Both Northern & Southern California
CA Lic #458614
Fire • Water • Smoke
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Services throughout
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Emergency 24x7 Services Board Up • De-Flooding
call
650-631-7383 • toll free 1-866-WTI-7383
Fax 650-631-1302 • 325 Old County Rd • Belmont, CA 94002
www.rgrinc.net
November 2012 Central Coast Claims Association News Network
www. wardtekinc .com
7
Central Coast Claims A.N.N. Services Directory
Thank you to all our paid CCCA Directory Listing Sponsors. Please let them know you saw them in the CCCA News Network.
Accident RECONSTRUCTION
restoration management COMPANY
Water, Smoke & Environmental Specialists
(800) 400-5058
1070 Commercial St., Ste 101
Fax (408) 436-1892
San Jose, CA 95112
[email protected]
Contractors - Asbestos/Lead/Mold Remediation
Engineers - electrical
Boster, Kobayashi & Associates - Michael Kreutzelman
Serving the United States
24 hr. (925) 963-9653 • (925) 447-6495
and Overseas
Fax (925) 447-6589
alliance Environmental - Ed Work
3545 Victor Street
www.alliance-enviro.com • (408) 830-9700
Santa Clara, CA 95054 [email protected] • Fax (408) 980-9746
American Technologies, Inc. - Kyle Pickett
23 Las Colinas Lane # 107
(408) 362-3030
San Jose, Ca. 95119
Fax (408) 362-3035
JM Environmental, Inc. - John Moore & the JM Team
PO Box 2189
www.jmenvironmental.net • (916) 726-0304
Granite Bay, CA 95746-2189
Fax (916) 726-0340
P.W. Stephens Environmental, inc. - Steve MacFarlane/Kim MacFarlane
4047 Clipper Court
www.pwstephensinc.com • (510) 651-9506
Fremont, CA 94538
Fax (510) 651-7702
Paul Davis Restoration of Silicon Valley
1055 Pecten Ct.
800-954-FIRE • (408) 510-5300
Milpitas, CA 95035
Fax (408) 942-1307
restoration management COMPANY
Water, Smoke & Environmental Specialists
(800) 400-5058
1070 Commercial St., Ste 101
Fax (408) 436-1892
San Jose, CA 95112
[email protected]
Contractors - Electrical
Tucknott Electric Co. - Robert A. Tucknott
6850 Regional St. Suite 110
[email protected] • (925) 931-0800
Dublin, CA 94568
www.Tucknott.com • Fax (925) 931-0817
contractors - general/Restoration
Belfor USA - Dave Warters/Lisa Schwichtenberg
2365 Industrial Pkwy West
(888) 543-3473 • Fax (510) 887-9110
Hayward, CA 94545
[email protected]
IQV ConstRUCTION, INC. - Jeff Radzinski/Hoyt Philipp
[email protected] - Direct: 408.582.9211 • Fax 408-582-9261 • Cell: 408-836-0333
[email protected] - Direct: 408.582.9212 • Fax: 408-582-9262 • Cell: 408-612-1961
Paul Davis Restoration of Silicon Valley
1055 Pecten Ct.
800-954-FIRE • (408) 510-5300
Milpitas, CA 95035
Fax (408) 942-1307
Walter M. Springs Construction - Murat Zilinki
881 Hurlingame Ave. (650) 222-2850
Redwood City, CA 94063www.SpringsConstruction.com
Ward- Tek, Inc. Restoration & Construction
325 Old County Rd.
(650) 631-7383
Belmont, CA 94002
www.wardtekinc.com • Fax (650) 631-1302
Contractors - Microbial Remediation
alliance Environmental - Ed Work
3545 Victor Street
www.alliance-enviro.com • (408) 830-9700
Santa Clara, CA 95054
[email protected] • Fax(408) 980-9746
American Technologies, Inc. - Kyle Pickett
23 Las Colinas Lane # 107
(408) 362-3030
San Jose, Ca. 95119
Fax (408) 362-3035
Belfor USA - Dave Warters/Lisa Schwichtenberg
2365 Industrial Pkwy West
(888) 543-3473 • Fax (510) 887-9110
Hayward, CA 94545
[email protected]
JM Environmental, Inc. - John Moore & the JM Team
PO Box 2189
www.jmenvironmental.net • (916) 726-0304
Granite Bay, CA 95746-2189
Fax (916) 726-0340
P.W. Stephens Environmental, inc. - Steve MacFarlane/Kim MacFarlane
4047 Clipper Court
www.pwstephensinc.com • (510) 651-9506
Fremont, CA 94538
Fax (510) 651-7702
8
shefchick Engineering - Thomas P. Shefchick, P.E.
P.O. Box 62284
www.Shefchick.com • (408) 615-7900
Sunnyvale, CA 94088-2284
[email protected] • Fax (866) 420-7955
Fire Investigators
Fire Cause Analysis - Ulises Castellon, CPCU
Throughout California, Arizona
(800) 726-5939 • Fax: (510) 649-3099
Nevada, Oregon, N. Dakota & Minnesota
[email protected]
Overspray Removal
Nationwide Overspray - Eric Gerencser
Benicia, California
www.overspray.net • (925) 408-5909
Safe Overspray Removal [email protected] • (800) 345-1269
property restoration/Clothing specialist
Blue SKy Cleaners - Robert Strong
Garment Restoration - Nobody CARES about you more
(925) 455-6000
[email protected] Fax (925) 445-6002
CRDN - Steve Depper/Michelle Windsor
2094 Mt. Diablo Blvd. (877) 939-1588
Walnut Creek, CA 94596
www.crdngba.com
Fabric Restoration Service Team - Jim Nicholas/Debbie Ginestar
3201- A Investment Blvd.
(510) 723-1000
Hayward, CA 94545
[email protected] • Fax (510) 723-1010
Revival garment Restoration, Inc. - Stephen Crotty/John Vigallon
A Higher Class of Service [email protected] • (925) 579-4353
Throughout N. California [email protected] • Fax (209) 451-4778
property restoration/Contents
American Technologies, Inc. - Kyle Pickett
23 Las Colinas Lane # 107
(408) 362-3030
San Jose, Ca. 95119
Fax (408) 362-3035
Belfor USA - Dave Warters/Lisa Schwichtenberg
2365 Industrial Pkwy West
(888) 543-3473 • Fax (510) 887-9110
Hayward, CA 94545
[email protected]
Paul Davis Restoration of Silicon Valley
1055 Pecten Ct.
800-954-FIRE • (408) 510-5300
Milpitas, CA 95035
Fax (408) 942-1307
restoration management COMPANY
Water, Smoke & Environmental Specialists
(800) 400-5058
1070 Commercial St., Ste 101
Fax (408) 436-1892
San Jose, CA 95112
[email protected]
ServiceMaster All Care -Vince Tripp
782 Auzerais Avenue
(408) 885-0280
San Jose, CA 95126-3503
Fax (408) 885-0287
ServiceMaster of Redwood City- Sharon Boyd
2731 Fair Oaks Avenue
(650) 299-9080
Redwood City, CA 94063-3506
Fax (650) 299-9086
ServiceMaster of San Mateo/San Francisco - David Decker
439 Eccles Ave.
[email protected] • (415) 584-6100
S. San Francisco, CA 94080
Fax (650) 873-6334
Roof Inspections
Independent Roof Inspection, Inc. - Andrew Lawler
P.O. Box 1746
www.askIRI.com • (800) 410-4474
Grass Valley, CA 95945
[email protected] • (530) 265-0321
Deadline for December issue submissions is Nov 29, 2012
November 2012 Central Coast Claims Association News Network
News
from the DOI
Commissioner Jones Announces $42.7 Million Rate Reduction for Policyholders
of “Force-Placed” Mortgage Insurer Warns Consumers Not to Let Homeowners
Insurance Lapse
Insurance Commissioner Dave Jones October 22, 2012
announced a 30.5 percent rate reduction, for “lender-placed”
(also called force-placed) homeowner insurance coverage offered by American Security Insurance Company (an Assurant
Inc.-owned company). The reduction will result in an estimated
$42.7 million savings to homeowners, with an average savings
to policyholders of $577 annually.
Force-placed insurance has been subjected to controversy
because, under certain circumstances, homeowners are forced
to purchase the policies. These policies are primarily intended to
protect the lender’s interest in the property and typically come
with exorbitant costs that are often much higher than standard
homeowners insurance policies.
In March, Commissioner Jones contacted the state’s largest
“lender-placed coverage” insurers to express his concerns about
apparent excessive rates. He directed insurers to submit new
rate filings with the California Department of Insurance (CDI)
to determine if rates could be reduced. Force-placed insurance
has been the subject of national scrutiny and there have been
investigatory hearings regarding this insurance in the states of
New York and Florida, as well as at the annual meeting of the
National Association of Insurance Commissioners (NAIC).
At the Commissioner’s direction, CDI carefully examined the
insurers’ annual financial statement data, and found many cases
of low loss ratios. The low loss ratios (the percentage of every
premium dollar an insurer spends on actual claims) were a
flag to Department officials that rates charged by insurers may
Walter M. Springs
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be excessive. Insurers were directed to provide a response to
CDI by April 1, 2012. Today’s rate reduction is a result of the
efforts taken by the Commissioner earlier this year. American
Security is the first insurer to lower rates based on the Commissioner’s action.
“This is a significant rate reduction for many California
homeowners,” said Commissioner Jones. “At a time when
scores of Californians are facing economic uncertainty and
underwater mortgages, we heard complaints from homeowners
being forced into lender-placed policies at exorbitant prices. My
directive for insurers to submit new rate filings, and subsequent
review of those filings, confirmed that rates were indeed excessive and needed to be lowered. An annual savings of $577 on
average will come as a welcome relief to American Security’s
policyholders. With an estimated 2012 gross written premium
of $140 million, American Security is to be commended for
being the first insurer to lower its rates.”
The new rates will be implemented within 90-days, and
will apply to policies issued or renewed by American Security.
This reduction will benefit approximately 74,000 American
Security policyholders.
What is forced-placed or lender-placed coverage?
When an individual obtains a loan in order to purchase a
property, the mortgage requires the borrower to carry insurance
for that property. In other words, the property is collateral for the
loan and the lender wants the value of that collateral protected
by insurance. Typically, the borrower’s insurance policy is endorsed to name the lender. If at any time the insurance coverage
is canceled or not renewed, the lender may, in accordance with
the mortgage provisions, purchase insurance on the property
on behalf of the borrower (to protect the lender’s interest in the
property) and is allowed by contract to charge the borrower
for the cost of that insurance. This is called lender-placed or,
commonly, force-placed insurance. The lender-placed coverage
typically includes only the perils of fire and allied lines, such
as smoke, wind and vandalism damage, which means that the
coverage is much more limited than homeowners coverage as it
does not include personal property, liability or additional living
expense coverage, as examples.
November 2012 Central Coast Claims Association News Network
continued page 11
9
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facility organization, ensure projects are completed on time and
budget and ensure high levels of customer service. Candidate
should have 5+ years’ experience in the Restoration industry.
Salary + bonus DOE, Medical , 401K. Please send resume to
[email protected].
Claims Estimator – Mark Scott Construction Inc.,
Immediate position available for Established Bay Area Contractor that is looking for a motivated self starter with experience
in insurance claims estimating. Must be proficient with Xactimate estimating program. Applicant should have a minimum
of 3 years experience in claims estimating and or 5 years of
claims experience within the property insurance industry. This
position is focused on small to mid-size Claims. We offer a
generous salary, 401 K , medical benefits and vacation as well
as incentive opportunities. Please send your resume to : info@
MSConstruction.com
Claims Industry Placements
Gary E. Mingus, GEM Search Group provides both Temporary,
Temp to Hire and Direct Hire placements in the Insurance Industry also, placing Vendors related to the Insurance Industry.
Call Gary Mingus 866-935-4426 or email to [email protected]. Serving the Insurance Industry since 1995.
Submit Your Job Connection ad to:
[email protected]
or call 209-229-8240 or fax FAX# 209-229-8328.
Choose from Five (5) Print Editions & Online Edition:
www.AssociationNewsNetwork.com/job.html
Up to 50 words just $35 (just 50¢/word thereafter)
Deadline for submissions for the next issue is
November 29, 2012
Jay Carey - Axis Consulting Window Installation
continued from page 6
continued from page 6
In addition, he holds two specialty contractor licenses (C-36
Plumbing and C-54 Ceramic and Mosaic Tile). Mr. Carey is
also a licensed Nevada general contractor. Jay is a graduate of
the University of California-Davis.
Jay entered the construction consulting arena in 2001. Prior
to that he owned and operated his own construction business
working on new residential and light commercial projects.
Jay provides consulting services for contractors, developers
and building owners with an emphasis on building envelope
design, residential sheet metal flashing and waterproofing,
foundation construction, plumbing and tile/stone installation.
Jay has provided expert deposition testimony and has provided
trial and arbitration testimony.
Jay is an approved MCLE instructor having provided seminars on construction related matters to attorneys, contractors
and insurance representatives.
encounter in the field. The problems are varied and as we
discuss the construction defects we encounter, we will further
discuss solutions to those construction defects.”
Please make your plans now to attend by purchasing
your lunch at the web site: www.CentralCoastClaims.org.
For payment by check or cash at the door, please RSVP
with CCCA Secretary Jackie Mezeul, at: 408-830-9700, or
[email protected]
Association News Network
invites you to
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and
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from our site, and
join the conversation
www.AssociationNewsNetwork.com
10
November 2012 Central Coast Claims Association News Network
News From The DOI
continued from page 9
“These policies can be very expensive and the coverage
is typically much more limited than the standard homeowners
policy,” said Commissioner Jones. “Therefore, I can’t stress
enough that, even in these difficult economic times, it’s important to protect your primary asset - your home - by making your
homeowners insurance payments. Do not let your homeowner
insurance policy lapse. Don’t be forced into forced-placed
insurance.”
The Commissioner urged homeowners to contact his department if they felt they were unfairly placed into a lender-placed
policy. CDI recently assisted a homeowner who was refinancing
his home and learned that his lender had forced-placed a policy
for the previous full year’s term, though the homeowner already
had a policy in place. The premium for the annual term was
$4,946 and due to the time at which the erroneous charge was
detected, a renewal policy was already in place for an additional
$4,946. However, once CDI questioned the insurer providing
the forced-placed policy regarding the legitimacy of its action,
the carrier issued a refund of the entire amount for the previous
term as well as a refund of the partial year that was also assessed.
This led to a combined recovery of $9,892 for the homeowner.
The Department is also contemplating regulations that
would require all insurers that write lender placed property
insurance to file the rates as a commodity rather than as a specialty line. Filing as a commodity restricts the insurer’s ability
to deviate from the standard prior approval template. Traditional
homeowners insurance and personal automobile insurance are
already required to file as commodity coverages and the proposed regulation would eliminate the exemption that exists for
the high premium master policies that provide lender placed
property coverage. A “workshop” discussion of the proposed
regulations is scheduled for October 25.
Following are tips to homeowners with lender-placed
insurance:
• If your insurer hasn’t renewed your homeowners policy
because you didn’t pay your premium, you may be able to get your insurer to reinstate coverage if you bring your premium up to date.
• Try to get coverage with another insurer. Remember, it’s a very expensive policy which can make it harder for homeowners to avoid foreclosure by becoming current on their mortgage balances.
• The FAIR plan (http://www.cfpnet.com/) is also an option if you cannot find insurance in the private
market.
• Call the Department of Insurance Consumer Hotline at 800-927-HELP (4357).
Visit the Department of Insurance Web site at
www.insurance.ca.gov.
Or on Facebook:
www.facebook.com/insurancecagov
JM ENVIRONMENTAL, INC.
ASBESTOS • LEAD • MOLD • BIO
(866) 726-0304
Hazardous Materials Abatement & Demolition
Cert.
#A5820
CA Lic. # 693564:
A, B, C-21, ASB, HAZ
NV Lic. # 0073480: A13,
A22, A23 DOSH # 578
Industry Leader Since 1994
Serving Northern California from
the Grapevine to the Oregon Border
and Northern Nevada
The JM Message Board - Whatever It Takes!
Publications • Web Sites • E-News • Social Media
209.229.8240
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Claims Industry Affiliates: SCA • EBCA • MVCA • PCAP • CCCA • MCA
www.AssociationNewsNetwork.com
November 2012 Central Coast Claims Association News Network
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