Public Adjuster Insight

  Guidance for Property Owners Oregon's diverse geography creates varied flood risk s across the state, from coastal storm surges and river flooding in the Willamette Valley to flash floods in eastern regions. Unlike wildfire damage, flood losses require specialized insurance coverage, and the claims process involves unique challenges that can catch unprepared property owners off guard. Understanding these complexities before disaster strikes can save thousands of dollars and months of frustration. The Critical Coverage Gap The most important fact Oregon property owners must understand is that standard homeowner's insurance policies exclude flood damage. This exclusion applies regardless of the flood's cause – whether from overflowing rivers, storm surge, urban drainage failures, or groundwater seepage. Flood insurance requires a separate policy through the National Flood Insurance Program (NFIP) or private insurers, and NFIP policies include a 30-day waiting period befo...

  Complex Legal and Regulatory Landscape California's cannabis industry operates within an intricate web of legal, regulatory, and commercial frameworks that generate numerous types of claims across multiple domains. As the nation's largest legal cannabis market, California faces unique challenges in balancing state legalization with federal prohibition, creating a complex environment where various types of claims emerge regularly. Regulatory Compliance and Enforcement Claims The California Department of Cannabis Control maintains strict oversight of the industry, leading to frequent compliance-related claims and enforcement actions. In the first quarter of 2025, regulators addressed significant product safety risks, including pesticide contamination, noncompliant labeling practices, incomplete regulatory testing, and inaccurate cannabinoid content claims. These enforcement efforts resulted in twenty-five recalls covering over two hundred products, demonstrating the state...