Public Adjuster Insight

Georgia has ushered in a transformative era for its insurance and legal landscape with the passage of comprehensive tort reform legislation spearheaded by Governor Brian Kemp. Senate Bill 68 and Senate Bill 69 introduce sweeping protections for insurance carriers and businesses that promise to reshape how claims are handled throughout the state. As of March 30, 2025, SB 68 has successfully passed both the Georgia House and Senate and is awaiting the Governor's signature, where it is virtually guaranteed to become law. QPWB The Driving Forces Behind Reform The urgency behind Georgia's tort reform stems from years of mounting challenges in the state's legal system. Georgia has consistently ranked among the worst legal climates for businesses and insurers, plagued by soaring litigation costs that drove one of the highest auto insurance rate increases in the nation—a staggering 21% jump in 2024 alone. QPWB These escalating costs weren't just affecting insurance companies; ...

Fire remains one of the most devastating natural disasters in Canada, affecting thousands of properties annually and resulting in significant insurance claims. Whether caused by wildfires, structure fires, or accidental ignition, fire-related damage can be catastrophic for homeowners, businesses, and entire communities. Understanding fire claims in Canada requires examining insurance coverage options, the complexities of the claims process, and evolving fire risk management strategies. The Scale of Fire Damage in Canada Canada faces a substantial fire risk across its diverse landscape . Wildfires in western provinces like British Columbia, Alberta, and Saskatchewan have become increasingly severe, destroying thousands of structures and displacing communities. The 2023 wildfire season saw unprecedented destruction with significant property losses affecting thousands of families and businesses. Beyond wilderness fires, residential and commercial structure fires continue to affect prope...

Insurance claims adjusters play a pivotal role in New Jersey's i nsurance industry, serving as the critical link between policyholders who have suffered losses and insurance companies responsible for providing coverage. These professionals investigate claims, assess damages, determine coverage applicability, and negotiate settlements. Understanding what insurance claims adjusters do, how they operate in New Jersey's regulatory environment, and how to interact with them effectively can significantly impact the outcome of your insurance claim. The Role and Responsibilities of Claims Adjusters Insurance claims adjusters serve as investigators and evaluators for insurance companies. When policyholders file claims for property damage, auto accidents, personal injuries, or business losses, adjusters are assigned to examine the circumstances, verify coverage, and determine appropriate compensation amounts. Their responsibilities begin with initial claim investigation. Adjusters rev...

 Texas businesses face unique challenges when it comes to property damage and insurance claims . From devastating hurricanes along the Gulf Coast to severe hailstorms in the Panhandle, tornadoes in North Texas, and flooding throughout the state, commercial properties are constantly vulnerable to natural disasters. Understanding how to navigate the business insurance claims process in Texas can mean the difference between a swift recovery and financial hardship that threatens your company's survival. Understanding Texas Business Insurance Requirements Texas law doesn't require most businesses to carry property insurance, but lenders almost always mandate coverage as a condition of commercial loans or leases. Most Texas businesses carry commercial property insurance that covers buildings, equipment, inventory, and furnishings against various perils. However, standard policies often exclude flood damage, requiring separate flood insurance through the National Flood Insurance Pro...

 Idaho's stunning landscapes—dense forests, sagebrush-covered hills, and mountain valleys—create some of the most beautiful scenery in the American West. However, these same natural features also make the state increasingly vulnerable to devastating wildfires . As climate patterns shift, fire seasons grow longer and more intense, threatening communities from the panhandle to the high desert. Protecting your home from wildfire requires a comprehensive approach combining landscape management, structural improvements, and emergency preparedness. Understanding Idaho's Wildfire Risk Idaho faces unique wildfire challenges that vary by region. Northern Idaho's dense forests of pine, fir, and cedar create heavy fuel loads that can support intense crown fires. Central Idaho's mountainous terrain and limited access complicate firefighting efforts. Southern Idaho's combination of grasslands, sagebrush, and agricultural areas can experience rapidly spreading fires driven by w...

  California's fire claims landscape represents one of the most complex and financially significant challenges in the modern insurance industry. The Golden State's unique geography, climate patterns, and development history have created a perfect storm for wildfire risk, resulting in billions of dollars in insurance claims annually and fundamentally reshaping how insurers approach risk assessment and coverage in fire-prone areas. The Scale of the Problem California's wildfire insurance claims have reached unprecedented levels in recent decades. The 2017 and 2018 fire seasons alone generated over $40 billion in insured losses, with individual events like the Camp Fire causing $12.5 billion in damages. These figures represent not just property destruction but the complete disruption of entire communities, from Paradise to Santa Rosa to Malibu. The 2020 fire season, which saw over 4 million acres burned, continued this devastating trend with billions more in claims across r...