Adjusting Today® Adjusting Today®

First published in 1989, Adjusting Today® is a comprehensive and popular free resource for today’s adjusters, insurance agents, brokers, risk managers, attorneys, and business owners. Authored by leading experts and written from the perspective of the policyholder, it covers a variety of the current and critical insurance topics related to property damage and business interruption claims.

Please keep in mind that Adjusting Today® is provided for general information and is not intended to replace professional insurance, legal and/or financial advice for specific cases.

Available by subscription in hard copy or PDF format, and always available for download from our website.

Adjusting Today® Basis for The Institutes’ CE Courses

The Institutes is the leading provider of knowledge solutions for risk management and the property casualty insurance industry. It offers continuing education courses based on technical information compiled from Adjusting Today®. These courses are titled “Valuing a Property Insurance Claim” and “Natural Disasters: Coverage Issues.” Each course includes seven modules and is approved for credit by insurance departments in most states. Depending on the state, they are offered to property insurance producers or adjusters, or both, for up to three continuing education credit hours. For more information, please visit www.CEU.com.

AT3054 Flood Final Copy Page 01
Issue #3054

Flooding: Everyone is Exposed, Few are Insured, But New Options Entice

Disasters of all types have increased in recent years, but none more so than flooding. Once associated mainly with coastal and vulnerable lowland areas, floods are now impacting regions where they have never historically been considered a significant threat.
AT3053 Final File Page 01
Issue #3053

Property Loss Professionals: Who Are They and How Can They Help You?

Losing a home or business to a fire or storm can be a traumatic experience for any property owner. With such a loss comes the need to file a claim under your insurance policy.
190671 ValuablePapersRecords Page 1
Issue #3052

Valuable Papers and Records Coverage

Its Role in the Age of "the Cloud"
Although the medium in which they are kept has evolved from paper to electronic, valuable records remain intrinsic to every organization's existence. But has the insurance that protects them - traditionally known as valuable papers and records coverage - remained as relevant?
At3051 Functional Replacement Cost
Issue #3051

Functional Replacement Cost: Its Origin, Evolution and Application

Joseph S. Harrington reviews the evolution of functional replacement cost coverage and looks at its application in the homeowners, commercial building and personal property arenas. It makes for interesting and informative reading.
Concurrent Causation v2
Issue #3050

Concurrent Causation: An Adjuster's Dilemma

Concurrent causation. The tongue-twister nature of the term is indicative of the dilemmas that property damage losses which are impacted by more than one cause have long created for insured, insurers and the courts.
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Issue #3049

Making the Policyholder Whole:

Property Insurance Coverage for Both the Damaged and Undamaged Parts of a "Pair or Set"
First-party property insurance generally covers the replacement cost of property that is actually damaged, such as in a fire or hurricane.
Issue #3048

Business Interruption Coverage Times Three

Prepare for Overlapping and Contrasting BI Provisions under Property, Equipment Breakdown and Cyber Policies
Business interruption (BI) claims have long been both crucial to a company’s recovery and among the most intricate insurance losses to adjust. Until recently, BI protection came mostly under the firm’s commercial property or equipment breakdown policies.
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Issue #3047

Being a Named or Additional Insured Not Always Necessary for Coverage

True or false: the only parties that can receive proceeds from an insurance claim settlement are those the policy specifically identifies as named or additional insureds. Widespread belief might say this statement is true. But it is not always.
AT3046 issue image
Issue #3046

Understanding Improvements and Betterments

Be Mindful of Lease and Insurance Provisions
Insurance expert Robert Prahl addresses how courts have ruled in relevant cases regarding insurance coverage and lease provisions while outlining the applicable language found in standard policy forms.
Adjusting Today 3045 cover
Issue #3045

Vacancy/Occupancy Clauses; Protective Safeguards Endorsements

In this issue of Adjusting Today®, author Robert J. Prahl, CPCU, examines the subjects of vacancy/occupancy clauses and protective safeguards endorsements in property insurance.
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