Property Insurance Roundtable

Disasters Raising Questions of Insurance Adequacy


This podcast and the corresponding Adjusting Today article titled, “Disasters Raising Questions of Insurance Adequacy: Bombings! Hurricanes! Earthquakes! Fires!” is designed to assist policyholders in making educated decisions regarding insurance coverages. In this episode, our expert panelists discuss the ever-changing landscape of insurance coverages in the face of disasters, such as bombings, hurricanes, earthquakes, fires and more. This conversation explores risks that property owners may face, both natural and man-made, that can affect their insurance coverage.

Key Takeaways

  • [02:06] Is there a place in the world that is immune to disasters, man-made or natural?
  • [02:49] Advice for business owners who have just suffered a disaster.
  • [04:45] Is it true that after a large scale disaster, tenants who did not experience damage to their property may be prevented from re-occupying their property by order of Civil Authority?
  • [10:34] What do business owners need to know about Civil Authority coverage?
  • [13:53] What is the extended period of indemnity and how can business owners use this coverage after a property loss occurs?
  • [19:28] Examples of obtaining materials in a low supply, high demand environment after a disaster.
  • [24:03] Real life examples of common mistakes made by policyholders with regards to disasters.
  • [28:16] How can home and business owners be sure they are evaluating their coverages adequately?
  • [34:10] If a property owner owns more than one property at multiple locations, can all the locations be covered on one policy?
  • [36:33] If a contractor cuts corners and the property is damaged afterward, what are some possible consequences for the insured?
  • [46:26] Does a standard insurance policy cover documents and records lost during a disaster, and what coverages can help mitigate risk?
  • [47:46] Are there unusual examples of man-made disasters that can help others learn from past mistakes?
  • [51:41] The panel’s final thoughts on adequate coverages for manmade and natural disasters.
View AllHide


Luis Esteves Jansen Adjusters International 100x136
Luis Esteves
Principal and Executive General Adjuster

As a specialist in property, business income and extra expense claims recoveries and a licensed public adjuster, Luis Esteves is the Principal and an Executive General Adjuster for Jansen/Adjusters International. Luis handles between $80-$100 million dollars in losses annually, and has more than 20 years of experience with adjusting complex claims for large commercial real estate companies, manufacturing facilities, entertainment venues, multi-family properties, school districts and hospitals. As an expert on property loss adjustment who is retained by policyholders to assist in preparing, filing and adjusting first party property insurance claims, he works exclusively for his policyholder clients to maximize their financial recovery after devastating fires, floods, hurricanes and other natural and man-made disasters.

Clay Gibson’s professional career has been primarily in the insurance and disaster recovery industries. Now with Adjusters International, he uses this knowledge and experience to represent clients who have lost their homes and/or businesses in disasters. One of Clay’s roles is to ensure that all clients are satisfied with the services we provided. With over 25 years’ experience in the insurance field, Clay is fluent in “insurance speak” and understands the nuances in claims processes that can mean the difference between ruin and recovery for a disaster victim.

Clay, Director of Operations, is licensed as a public adjuster in 11 states and has represented clients throughout the western United States including victims of the San Bruno PG&E Pipeline Explosion, the Big Sur Wildfire, and the Boles Fire in Weed, California.

Clay has been featured as an expert panelist on Adjusters International’s Property Insurance Roundtable podcast in the episodes titled, “How to Make the Most of an Underinsured Loss,” and “Disasters Raising Questions of Insurance Adequacy.”

John Marini 100x136
John Marini
President and CEO

John Marini has extensive disaster recovery experience and knowledge of public adjusting and the FEMA Public Assistance Program. He specializes in assisting public entities with their financial recovery through the integration of insurance claims with FEMA grant funding.

Marini has established a team of more than 140 experts who assist applicants and grantees with their post-disaster FEMA grant management and insurance recovery. He is closely involved in the management of Adjusters International’s Catastrophe Operations, assisting FEMA Public Assistance applicants and grantees with recoveries from Hurricane Andrew in 1992, hurricanes Katrina/Rita/Wilma in 2005, hurricanes Gustav and Ike and the Midwest Floods in 2008, as well as many other cases.

Bill Sharpe, who joined Jansen/Adjusters International in 2010, is the Regional Director at Jansen/Adjusters International. Bill specializes in helping business owners to manage their commercial insurance claims after natural disasters or fires damage their property. As a member of the National Association of Public Insurance Adjusters (NAPIA) and the Building Owners and Managers Association (BOMA) International, he is dedicated to helping his clients to achieve their property recovery objectives with as little stress as possible before and after a loss. He is a graduate of University of Central Oklahoma and a Certified Property Manager (CPM) with the Institute of Real Estate Management (IREM).

Bill has been featured as an expert panelist on Adjusters International’s Property Insurance Roundtable podcast in the episode titled, “Equipment Breakdown Insurance: Too Important to Ignore!” and “Disasters Raising Questions of Insurance Adequacy.”

Todd Thomas v2
C. Todd Thomas
Vice President of Risk Management

Todd Thomas is the Vice President at Adjusters International (AI) and Tidal Basin (TB). He is also the Chief Consultant and Partner of Adjusters International’s affiliate Sigma Consulting Corp. He has worked in the Management Consulting industry for 23 years. Currently, he works with AI and TB's strategic partners to offer the highest quality Risk Management and Disaster Recovery consulting services possible. Thomas has worked in a management capacity on high-profile FEMA, insurance and construction projects since 1996. Thomas regularly serves as an expert witness and Special Master to courts in the area of finance & insurance.

Thomas’ experience assisting public entities, non-profits and other organizations with risk management and insurance includes but is not limited to broker selection, insurance marketing, total cost of risk, risk identification, risk allocation, underwriting, claims, financial risk management, FEMA obtain & maintain compliance, risk analysis, risk management information systems and enterprise risk management.

He is a Fellow of the American Academy of Financial Management (FAAFM), Member of the American Economic Association, Member of the Association of Certified Chartered Economists, a Fellow of the Risk and Insurance Management Society, Member of the Global Risk and Insurance Management Institute, Caribbean Actuarial Association and Member of the Institute and Faculty of Actuaries. Todd is a Chartered Economist (ChE), Certified Risk Analyst (CRA), Certified Organizational Risk Manager (CORM), RIMS Fellow (RF), Fellow of Risk Management (FRM), Chartered Property & Casualty Underwriter (CPCU), Associate in Risk Management specializing in Public Entities (ARM-P), Master Project Manager (MPM), Accredited Financial Analysis (AFA), Accredited Management Accountant (AMA) and Workers Compensation Claims Law Specialist (WCLS).


BriannaMoyer 660x820
Brianna Moyer
Digital Marketing Manager & Website Administrator

Brianna Moyer joined the Adjusters International team in 2014 as the Social Media Specialist and was promoted to Digital Marketing Manager and Website Administrator. Brianna collaborates with AI’s nationwide firms to create robust social media campaigns while assisting the firms with updates to their websites regarding new search engine optimization techniques, content, imagery, the latest technology, and more. She regularly reports to management and the firms while measuring the effectiveness of different strategies. Brianna monitors the latest trends in social media and web design to keep AI on the cutting edge.

Since joining Adjusters International, Brianna has introduced new media ventures such as a podcast series titled, Property Insurance Roundtable and producing video clips. Ms. Moyer writes content for the websites which include blogs, web news stories, and landing pages. She has also been instrumental in creating Standard Operating Procedures for various AI initiatives such as trade shows and disaster plan protocols.

Prior to joining Adjusters International, Brianna worked as an Assistant Business Manager and Sales Assistant at Townsquare Media. In her free time, she pursues freelancing opportunities as a graphic designer and website developer.