We wrap up 2024 on The Savvy Adjuster Podcast with a discussion about how recent and upcoming changes to codes and regulations can impact claims, and a look at the various sources available to adjusters who want to make sure they’re making accurate settlement decisions. Host Chris Nichols is joined by returning guests, Alpine Intel’s Director of Customer Education Jay Dykstra and Donan’s Principal Forensic Engineer Rich Grimshaw, as they touch on HVAC refrigerant legislation, building codes, and more.

Discussed in This Episode

• Why adjusters need to know about codes and regulations
• How experts use of code knowledge in their conclusion and recommendations
• Important organizations and codes that may be referenced
• The AIM Act and other refrigerant legislation
• 2024 changes to the International Residential Code

Additional Resources

• About Alpine Intel: https://bit.ly/3DjxJ41
• Alpine Intel Resource Page: https://bit.ly/3P2ZpfO

Additional Code and Regulation Resources:

• Guide: Adjuster Course in HVAC Refrigerant: https://bit.ly/4izBgv7
• Article: Changes to the 2024 International Building Code: https://bit.ly/3ZXR8QA
• Article: Four Recent Electrical Code Updates Adjusters Should Know: https://bit.ly/4fnuntS

Host Chris Nichols welcomes National Fire Experts General Manager Pat Walsh and Senior National Fire Experts Account Executive Kathleen Riley to talk about NFE’s use of customer feedback and insurance industry pain points to enhance origin and cause investigation offerings. This earned the brand a spot in PropertyCasualty360’s Insurance Luminaries Class of 2024 in the Claims Innovation category. In this short episode, learn how NFE addressed cycle time concerns and updated reports to ensure adjusters had everything they needed to take confident next steps. Listen on Apple, Spotify, or your favorite podcast platform. 

Additional Resources

• About Alpine Intel: https://bit.ly/4eBOJzb
• Alpine Intel Resource Page: https://bit.ly/3Z0NZOg

Additional National Fire Experts Resources:

• Article: How Listening to Customers Has Shaped Our Innovative Claims Solutions: https://bit.ly/3ZiQ3CU
• Press Release: National Fire Experts Selected for PropertyCasualty360’s Insurance Luminaries Class of 2024: https://bit.ly/3CuUAJd
• Guide: Adjuster’s Glossary of Fire Investigation Terms: https://bit.ly/3ZgLQ2c

On this episode of The Savvy Adjuster Podcast, host Chris Nichols is joined by Donan’s Principal Forensic Engineer Rich Grimshaw and Senior Project Engineer Alec Haugdahl to discuss the huge topic of water intrusion, leaks, and other sources of water damage to structural components. Learn from their expertise and experience about internal and external water sources, which structural elements are more vulnerable to moisture damage, and what adjusters should ask when water is a suspected cause of loss.

Discussed in This Episode

• Common sources for damage from water
• Structural elements susceptible to water damage
• How experts assess reported water damage
• What adjusters should consider before settling structural water claims
• Real examples of structural water damage assessments

Additional Resources

• About Alpine Intel: https://bit.ly/4hzoyMm
• Alpine Intel Resource Page: https://bit.ly/4hzoCf4

Additional Structural Water Loss Resources

• Case Study: Basement Water Intrusion Claim: https://bit.ly/3CgZhX0
• Article: Moisture-Related Drywall Losses: https://bit.ly/4fe84Yu
• Guide: How Building Material Type Makes a Difference in Flood Claims: https://bit.ly/4fbaBCP

Host Chris Nichols is once again joined by Alpine Intel Customer Education Director Jay Dykstra. This time, Jay’s delving into “the dreaded puffback.” Learn what puffbacks are, what can cause them, and what these challenging (and messy) claims can look like for both the adjuster and assessing expert. Listen on Apple, Spotify, or your favorite podcast platform.

Additional Resources

• About Alpine Intel: https://bit.ly/487xK6e
• Alpine Intel Resource Page: https://bit.ly/489Hmxm

Additional Puffback Resources:

• Guide: 7 Causes of Furnace and Boiler Puffbacks: https://bit.ly/4h8fldB
• Article: Why Boiler and Furnace Puffbacks May Not Be Covered by Insurance: https://bit.ly/4h5vJf0
• Video: How Do Puffbacks Occur?: An Adjuster’s Guide to Furnaces: https://bit.ly/3BP8ANJ

Host Chris Nichols talks about the causes and effects of smoke and fire to HVAC systems with Alpine Intel’s Customer Education Director Jay Dykstra in this episode of The Savvy Adjuster Podcast. Find out why even distant fires may lead to a claim, which different types of smoke can impact equipment, how changing codes and regulations affect adjusters’ processes, and more. 

Discussed in This Episode

• How wildfires and other fire outside the house can affect HVAC equipment (3:08)
• Why the type and amount of smoke matter (10:42)
• Why adjusters shouldn’t settle fire-related HVAC claims without an assessment (13:10)
• How experts identify the presence and scope of smoke damage to ductwork (16:50)
• What to do when a contractor calls for a full replacement due to phased-out refrigerants (24:15)
• Real examples of HVAC smoke and fire assessments (29:30)

Additional Resources

• About Alpine Intel: https://bit.ly/3Y6VhRy
• Alpine Intel Resource Page: https://bit.ly/4epYKjP

Additional HVAC Resources

• Webinar Recording: HVAC Smoke and Fire Claims: https://bit.ly/3A5QI0m
• Case Study: HVAC Commercial Claim Smoke and Fire: https://bit.ly/3N9EJ52
• Article: 3 Things To Know About Wildfire Risk and Property Claims: https://bit.ly/4epoDQx
• Interactive Guide: Your Guide to Smoke and Fire Damage to HVAC Systems: https://bit.ly/4enD4or

Senior National Fire Experts Account Executive Kathleen Riley and NFE Fire Operations Manager John Hill join host Chris Nichols again to talk fire investigations. Specifically, they delve into how both adjusters and certified fire investigators can collect and analyze witness statements – even when stories change or don’t support the facts of the claim. Listen on Apple, Spotify, or your favorite podcast platform.

Additional Resources

• About Alpine Intel: https://bit.ly/3Th6njR
• Alpine Intel Resource Page: https://bit.ly/47knabO

Additional Fire Investigation Resources:

• eBook: Tackling Large Loss Fire Claims with Subrogation Potential: https://bit.ly/3AQUcUN
• Article: 5 Questions to Ask After a Kitchen Fire: https://bit.ly/3ZaAhKt
• Interactive Guide: How NFE Investigates Fires: An Inside Look at the 11-Step Process: https://bit.ly/3XcqDVd

Host Chris Nichols is joined in this episode of Alpine Intel’s The Savvy Adjuster Podcast by Senior National Fire Experts (NFE) Account Executive Kathleen Riley and NFE Fire Operations Manager John Hill to talk about how insurance adjusters and certified fire investigators conduct their respective investigations. Find out what each party should look for as well as how information the investigator collects onsite helps with the origin and cause claim. Listen on Apple (https://bit.ly/4fXsUw4), Spotify (https://bit.ly/4dRPNiz), or your favorite podcast platform.

Discussed in This Episode

• Information adjusters may collect onsite vs. from the office
• What the adjuster should know before a vendor’s assessment
• Tasks the fire investigator completes before going onsite
• What certified investigators look for on a fire scene
• How and what the adjuster and the investigator communicate
• Real examples of parallel fire investigations

Additional Resources

• About Alpine Intel: https://bit.ly/4dT2GsF
• Alpine Intel Resource Page: https://bit.ly/4cEQGKn

Additional Fire Investigation Resources:

• Guide: Adjuster’s Glossary of Fire Investigation Terms: https://bit.ly/4cI7aRQ
• Guide: 5 Questions To Ask Before a Fire Investigation: https://bit.ly/3AtgUlt
• Case Study: Apartment Fire: https://bit.ly/46ZX5hL

In this special edition of The Savvy Adjuster Podcast, host Chris Nichols is joined by Ema Roloff, cofounder of Roloff Consulting. Using her years of experience influencing the digital transformation of the insurance industry, Ema answers pressing questions about the future of AI for claims processing as technology grows and changes. Find out how carriers can combine these developments with a human touch to streamline processes and deliver exemplary customer service.

Disclaimer: The views expressed by third-party guests of The Savvy Adjuster Podcast are their own and do not necessarily reflect the thoughts and opinions of Alpine Intel or this podcast. The material presented is for general informational purposes only.

Discussed in This Episode

• The growing significance of AI
• How adjusting jobs will change as technology develops
• How digital changes affect customer service
• How carriers can use digital literacy to streamline processes
• Examples of how to leverage and grow AI in insurance claims

Additional Resources

• About Alpine Intel:  https://bit.ly/3LUenTM
• Alpine Intel Resource Page: https://bit.ly/4cfxrXt

Additional Digital Literacy Resources:

• Roloff Consulting Digital Literacy Resources: https://bit.ly/46FfBfa
• Article: Advantages of Smart Technology and IoT As Related to Insurance Claims: https://bit.ly/4ck045I
• Article: 3 Ways Carriers Should Blend Automation and the Human Touch: https://bit.ly/4ddE3XB
   

Alpine Intel Technical Education Manager Jay Dykstra once again joins host Whitney Boles to discuss some of the more technical aspects of solar equipment. They talk more in-depth about why the often-claimed phrase “solar panels” doesn’t begin to cover the different parts of the equipment you might see in claims – as well the experience that kickstarted Jay’s solar interest.

Additional Resources

• About Alpine Intel:  https://bit.ly/3Lpf1bF
• Alpine Intel Resource Page: https://bit.ly/3W3mPVD

Additional Solar Equipment Resources:

• Guide: Solar System Essential Maintenance Tips and Common Malfunctions: https://bit.ly/3zFUuxc
• Article: Shedding Light on Risks Involving Solar Power: https://bit.ly/3LnzC06
• Case Study: Solar Power System Claim: https://bit.ly/3S908yc

Host Whitney Boles is joined in this episode of Alpine Intel’s The Savvy Adjuster Podcast by Alpine Intel Technical Education Manager Jay Dykstra and Donan Senior Forensic Engineer Gary Woodall to talk about solar equipment that appears in property insurance claims. Find out the difference between solar panels and solar arrays, what questions to ask when you’re handling a solar equipment claim, and what you can expect from your expert assessment. 

Discussed in This Episode

• The growing significance of solar panel claims
• Safety considerations during inspections
• Identifying and testing solar equipment
• Repair vs. replacement recommendations and pricing
• Key solar equipment terms
• The solar equipment inspection process and frequent causes of loss
• Real examples of solar investigations

Additional Resources

• About Alpine Intel: https://bit.ly/4eMbcLg
• Alpine Intel Resource Page: https://bit.ly/45OXGlY

Additional Solar Equipment Resources:

• Guide: Solar Power System Components: https://bit.ly/3XNvuxM
• Webinar Recording: Exploring Solar Power System Claims: https://bit.ly/3VQULoh
• Interactive Guide: 5 Things Adjusters Should Know About Solar Power Equipment: https://bit.ly/4bupZrb