Fraud risk is changing rapidly as advances in AI are allowing fraudsters to step up their attacks, and transforming how insurers adapt to the new threats.

Fraud has evolved as AI becomes more widespread, as fraudsters adopt new AI-generated tactics. It's created schemes that are both easier to implement and harder to detect.

That's according to Kevin Lederer, senior vice president of the special investigations unit at Davies North America, who explains how carriers are responding to these advanced threats in this episode of the expert perspective podcast series.

In this podcast, you'll learn:

● What AI tricks fraudsters are using to add sophistication to their attempts

● How insurers use automation, red-flag rules, and fraud scoring across the claims life cycle to detect suspicious activity sooner

● Why human expertise and clear, explainable decision-making remain important alongside advanced fraud technology

Andy Klaus and Brad Davis discuss how parametric insurance differs from traditional coverage and how advances in data and technology are impacting the ability to manage weather-related risks.

Unusual snow events can disrupt operations across many sectors, such as retail, hospitality, and agriculture, particularly in regions unaccustomed to winter weather. Eric Anderson, director of national sales at Vortex Weather Insurance, explains how parametric insurance provides faster relief by basing payouts on objective weather data rather than traditional claims processes.

In this podcast, you'll learn:

• How parametric insurance differs from traditional coverage through automatic, data-based payouts.

• Which industries are most exposed to financial losses from unexpected snowfall or a lack of snow.

• How parametric policies offer a proactive strategy for weather risk management in snow-sensitive sectors.

Unpredictable fall and winter precipitation can cause major revenue loss for seasonal outdoor events like festivals and holiday markets. Andy Klaus, Vice President of business development at Vortex Weather Insurance, shares how parametric insurance helps agents and brokers protect clients against these risks, delivering fast payouts and filling gaps left by traditional coverage.

In this podcast, you'll learn:

• What new vulnerabilities for fall and winter events are introduced by shifting precipitation patterns

• How parametric policies can provide quick payouts triggered by predefined weather thresholds, without requiring proof of loss

• Why offering parametric insurance coverage allows agents and brokers to differentiate themselves and grow their businesses

Tonya Courtney of Nationwide explains why brokers and carriers are rethinking their approach to risk and growth in today's market.

The E&S property market is in a period of transition. While rates are easing and capacity is returning, volatility remains. Tonya Courtney, head of E&S Brokerage Property at Nationwide, explains why this tension makes the market riskier and why old strategies like broad appetite and aggressive pricing no longer work.

In this podcast, you'll learn:

• What increased CAT volatility and reinsurance pressures are doing to underwriting strategies

• Why today's market demands a more intentional, transparent, and data-driven approach

• How brokers can thrive by leaning into precision, understanding carrier appetites, and building stronger partnerships

John Otero and Robert Montgomery from 1-800 WATER DAMAGE share tips to help insureds put up their best defense against a fire.

As fire season approaches, insureds must start thinking about the best way to protect their home and family against a possible devastating fire event. A lot of preparation and strong partnerships with insurers and restoration professionals are key to ensuring the best outcome should a fire occur.

In this podcast, John Otero, Regional Business Coach at 1-800 WATER DAMAGE, and Robert Montgomery, Franchise Owner of 1-800 WATER DAMAGE of Western Montana, provide their best advice for preparing for fire season. You'll learn:

• When fire preparedness should ideally begin, and why it's an ongoing process;

• Why it's important for insureds to have a preparedness plan in place and the proactive measures that should be taken, such as creating a "go bag" with essentials and ensuring adequate insurance coverage;

• Why insureds should take pictures of the inside and outside of their home to help document what possessions they have to make it easier if they put in a claim;

• Some elements of fire preparedness that are commonly overlooked by insurers and restoration professionals, and;

• The timeline and process insureds should follow that could help insurers and restoration professionals expedite restoration.

Flood damage differs quite a bit from water damage, and the measures to get ready differ as well.

Peak flood season can leave both insurers and homeowners underwater — literally and figuratively. But insurers can make the entire claims process much smoother for their customers when they understand the complexities flood claims present.

In this podcast, Rick Wahlstrom and Jordan Demmon, both from 1-800 WATER DAMAGE, discuss the finer points of flood claims, and how insurers can work together with restorers and independent adjusters to make claimants whole again after a flooding disaster. You'll learn:

● How much a residential flood claim can cost, including tear out, demolition and full dryout;

● Why flood claims have their own special policy exclusions and conditions, and how this requires understanding complex policies and FEMA guidelines; and

● What restoration professionals can do to prepare for flood season.

Mike Case of Blue Kangaroo Packoutz explains the key factors restoration pros consider in this podcast episode.

Choosing the right restoration strategy involves many factors, including the type of loss, extent of damage, materials, and overall value of an item. Mike Case, director of operations at Blue Kangaroo Packoutz, explains how restoration teams decide whether they can restore an item and how sentimental value impacts the policyholder experience.

In this podcast, you'll learn:

• How the type of loss and material composition impact restoration potential

• What surprising items for policyholders—like electronics and textiles—can often be restored successfully

• Why innovations such as ultrasonic cleaning, advanced moisture detection, and digital reproduction are improving restoration outcomes

Ken Davis and Tim Singnysane of 1-800 WATER DAMAGE, part of BELFOR Franchise Group, discuss why training is more important than ever as insurers prepare for the upcoming CAT season.

Increasing claims volumes, rising customer expectations, and fast-changing technology are putting even more pressure on CAT response teams. Ken Davis, claims partnership manager at BELFOR Franchise Group, and Tim Singnysane, director of operations at 1-800 WATER DAMAGE, explain how gaps in practical experience, especially among new adjusters, can lead to slower responses and communication challenges during major events.

In this podcast, you'll learn:

• How customized training improves speed, accuracy, and communication during CAT events

• How gaps in knowledge can delay claims and frustrate policyholders

• How practical, hands-on training helps adjusters adapt to field conditions and new technologies

Advanced technologies are helping claims professionals document losses more efficiently and generate more accurate estimates. Rick Wahlstrom, who handles estimate review and compliance at BELFOR Property Restoration, explains how these tools are transforming outdated methods, reducing costs, and improving efficiency. Wahlstrom also represents BELFOR Franchise Group's Claims Partnership Program, which is supported by BELFOR's 1-800 WATER DAMAGE and Blue Kangaroo Packoutz brands.

He emphasizes the need for ongoing training to support claims professionals in fully using the tools available to them. In this podcast, you'll learn:

● How 3D imaging and AI-driven estimating tools are improving claims accuracy

● Why ongoing education is critical for claims professionals adopting new technologies

● How advancements in estimate writing reduce costs and improve efficiency for insurers and restoration companies