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Adjusting Today is provided free of charge as a public service by Adjusters International, Inc., disaster recovery consultants. It is provided for general information and is not intended to replace professional insurance, legal and/or financial advice for specific cases.

Adjusting Today helps insurance agents, brokers, risk managers, attorneys, business owners and other business professionals keep current with critical issues affecting property damage and business interruption claims. Articles are written from a policyholder's perspective and include real-life examples intended to improve disaster preparedness.

Adjusting Today Basis for Institutes CE Course

The Institutes, the leader in providing knowledge solutions for risk management and the property casualty insurance industry, offers a continuing education course based on technical information compiled from seven issues of Adjusting Today. The course — "Valuing a Property Insurance Claim" — includes seven modules and is approved for credit by insurance departments in at least 49 states. It is offered to property insurance producers, adjusters or both, depending on the state, for up to three continuing education credit hours. More information is available at www.CEU.com.

Adjusting Today E–Editions* Summaries:

*Available only in PDF format.

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Adjusting Today Print Edition* Summaries:

*Available in hard copy and PDF formats.

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  • Earthquake Insurance: What's Your Exposure?
    As this issue of Adjusting Today was being prepared, the earthquake and resulting tsunami of March 2011 struck Japan. That concurrence put an exclamation point on what already was the...
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  • Margin Clauses Making Agreed Value Options Extinct!
    As disasters and their ramifications have dominated property insurance headlines in recent years, a less-publicized development has been the gradual implementation of the "margin clause" on commercial property insurance policies....
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  • Equipment Breakdown Insurance: Too Important to Ignore!
    Equipment Breakdown Insurance: Few Coverages Create as Much Confusion and Misunderstanding. Even the most seasoned insurance professional will admit that the depth and complexity of equipment breakdown policies can be...
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  • How to Make the Most of an Underinsured Loss
    After suffering devastating property damage, perhaps the most unwelcomed news for policyholders is learning that they do not have enough insurance. Ten important avenues that can be explored by any...
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  • Agreed Value Clause Friend? Or Sometimes Foe?
    The Agreed Value Option is an excellent tool for policy holders to avoid the penalty of the coinsurance clause in both property and business income insurance. It can also create...
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  • Hail Damage Can Create Difficult Insurance Claims
    One potentially serious, yet difficult-to-detect, type of disasters that can strike an apartment or condominium complex is a hail storm. Property owners often don´t even realize that their property has...
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  • Ordinance or Law Coverage: Code for Recovery!
    After a severe property loss, the first shock comes in learning that rebuilding a damaged structure so that it conforms to the latest building codes can add substantially to the...
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  • The Valuation Gap: Obstacle or Opportunity?
    Following a disaster property owners often discover that: Their property coverages are less than the cost to replace the property. Estimates used when purchasing business income insurance are different from...
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  • Coinsurance What Insureds Need to Know
    Company XYZ had been growing rapidly. Company officials believed they had comprehensive insurance coverage. But when a substantial loss took place, they were able to recover only a small part...
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