Expert Viewpoints

Balancing Technology and Expertise in Property Insurance Claims

The property insurance industry is undergoing a rapid and necessary transformation. Advances in data, automation, and artificial intelligence are reshaping how claims are received, triaged, and processed. Faster cycle times,... Read More

Hail to High Variance: Rethinking Test Squares and Roof Damage Assessment

For decades, the 10×10‑foot test square has been the industry standard for evaluating hail damage to roofing systems. It is simple, repeatable and widely understood. But convenience is not the... Read More

Adapting Claim Investigations for AI-Driven Fraud

Insurance fraud is not a new problem. What has changed is the ease with which a fraudulent claim can be... Read More

The Adjuster’s Year Ahead: What AI Will and Won’t Change About the Job

Somewhere in the country this week, a plaintiff’s attorney is reading a claim file with a highlighter, looking for the... Read More

Medical Marijuana Resked: Implications for Insurance Coverage, Capacity and Compliance

The Department of Justice issued an order on April 23, rescheduling state-licensed medical marijuana and Food & Drug Administration-approved cannabis... Read More

A 16,000% Problem: Why Workers’ Comp Can’t Get Drug Costs Under Control

Pharmacy costs in workers’ compensation continue to climb sharply, despite years of formulary adoption, generic mandates and managed care. The... Read More

Adjusters: Why the Indemnification Clause Should Stay Top of Mind

The clause appears across commercial files of every kind. In construction claims, it carries particular weight. Most adjusters notice it,... Read More

Legal Analysis: Insurer Subrogation Rights Under Scrutiny

Two recent court decisions have addressed the issue of subrogation rights of insurance companies against upstream or downstream vendors that... Read More

California’s Surplus Lines HO Market’s New Phase Driven by Access, Not Wildfire Risk

It’s been more than two years since I wrote an analysis based on Surplus Line Association of California insight and... Read More

When the Cloud Goes Dark: Data Center Claims And Specialized Adjusting Expertise

Data centers don’t make headlines until something goes wrong. Then, suddenly, everyone notices. These huge facilities keep the internet working,... Read More