Follow Adjusting Today on Facebook & X: Facebook.com/AdjustersInternational X.com/AdjustingToday ADJUSTING TODAY® is published as a public service by Adjusters International, Ltd. It is provided for general information and is not intended to replace professional insurance, legal or financial advice for specific cases. Back issues of AT covering a variety of topics are available at www.adjustingtoday.com. ADJUSTINGTODAY® AdjustingToday.com View our entire catalog of back issues, download PDF versions, subscribe and contact the editor. EMAIL Info@AdjustersInternational.com WEB ADDRESSES AdjustersInternational.com AdjustingToday.com PUBLISHER Gregory P. Raab, MBA EDITOR Ethan A. Gross, JD AT26 3062 ABOUT ADJUSTERS INTERNATIONAL ADJUSTING TODAY® is published by Adjusters International Ltd. to educate professionals and consumers on significant issues for first-party property insurance markets and claims. A.I. is a consortium of the nation’s premiere public adjusting firms covering all 50 states, U.S. Possessions, the Caribbean, Canada, and selected international locations. Our member firms help businesses and homeowners get through some of life’s greatest catastrophes, by shouldering the burden of managing property insurance claims. Adjusters International represents policyholders only. We do not represent insurance companies. Our principal mission is to support families in their property, financial and emotional recovery; and to assist businesses with their property losses, including interruption of business, retaining employees, and serving customers. For help with a first party insurance claim please email info@adjustersinternational.com or visit our website at www.adjustersinternational.com. Copyright © 2026 Adjusters International, Ltd. All Rights Reserved. Adjusters International was formed in 1985 when thirteen of the public adjusting industry’s leading firms recognized the need for a unified, international network of highly skilled, licensed public adjusters. As losses grew more complex and far-reaching, these firms came together to ensure clients could access specialized expertise for any type of loss, anywhere, at any time. Each regional office operates as an independent firm while also serving as an owner and partner of Adjusters International. This unique structure preserves strong local knowledge while promoting accountability, shared responsibility, and collaboration across the organization. The result is a cohesive network that combines the strength and resources of a national organization with the responsiveness and expertise of locally owned firms to deliver consistent, high-quality service across all markets. ABOUT THE AUTHORS Mr. Harrington is an independent insurance writer and communications specialist. He served for over 20 years as communications director for the American Association of Insurance Services (AAIS). His work has been published in Best’s Review, Rough Notes, publications of The Institutes, and elsewhere. Mr. Esteves is a Partner with Jansen Adjusters International, leading sales and large-loss adjusting across the U.S. and international operations. With more than 32 years of experience, he specializes in complex commercial and government entity claims and has played a key role in major catastrophic loss recoveries. Joseph S. Harrington, CPCU Luis R. Esteves
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