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

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Issue #3041

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 theme of this edition . . .
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Issue #3040

Coinsurance/Insurance to Value Revisited

An Essential Concept in Property Insurance
The need to adequately insure property, whether it be commercial or personal, is one of the most fundamental concepts of insurance. Its importance is acknowledged by insureds, agents . . .
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Issue #3039

Insurance Coverage For Collapse

How Has It Changed and Why?
Webster's lead definition of "collapse" seems so clear and straightforward as to preclude the possibility of such an event being debatable. Yet in the field of property insurance, few concepts have been as open to interpretation. . .
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Issue #3038

Increased Cost of Construction Coverage

Understanding the Complexities of this Important Protection
Your business, including its landmark headquarters building, has been devastated by fire. Rebuilding will be a daunting task, but as you begin the process, you feel some comfort . . .
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Issue #3037

Builder's Risk Insurance

Specialized Coverage for Construction Projects
Moving into a newly constructed or renovated building is an exciting time. It’s the culmination of a complex undertaking, involving a spectrum of activity from land acquisition to . . .
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Issue #3036

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 . . .
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Issue #3035

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 . . .
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Issue #3034

Soft Cost or Delay in Opening

Insure for the Potential Exposure
This edition of Adjusting Today® features an in-depth article that addresses the all-important topic of soft cost or delay in start-up coverage. Author Tony D´Amico has more than 30 years . . .
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Issue #3033


Understanding and Recovering from One of Nature's Worst Disasters
Each year floodwaters will rise and numerous properties will be destroyed. Flooding can occur just about anywhere, and other than fire, it is the most common widespread disaster.
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Issue #3032

Overhead and Profit

Its Place in a Property Insurance Claim
The inclusion of General Contractor Overhead & Profit in property damage insurance claims is traditional. Overhead and profit is. . .
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