Loss Investigations and Coverage Defenses

Level: Intermediate

Why you need this course:
After completing this course, you’ll be able to apply a framework for loss investigation.

Upon successful completion of this course, you should be able to:

• Describe the basic loss investigations for losses caused by:
• Fire
• Smoke
• Lightning
• Explosion
• Theft
• Water damage
• Explain the causes of mold claims and possible ways to handle these losses.
• Describe the physical environment and the loss adjustment environment created by a catastrophe.
• Describe pre- and post-loss adjustment procedures for a catastrophe.
• Explain the purpose and operation of the National Flood Insurance Program (NFIP).
• Explain what types of losses are covered under the NFIP policy.
• Explain loss adjustment procedures under the NFIP.
• Explain how waiver and estoppel can occur and how they can be avoided.
• Explain the bases for bad-faith claims and damages.
• Explain the purpose of an examination under oath (EUO).
• Explain how an EUO should be demanded and conducted.
• Explain how to resolve various problems that arise with an EUO.

Cost: $20 per Professional Development Hour (PDH). Information on Professional Development Hours (PDH) provided can be found here.

Loss Investigations and Coverage Defenses Topics Include:

• The basic loss investigations for losses caused by fire, smoke, lightning, explosion, theft, and water damage
• Causes of mold claims and possible ways to handle these losses
• The physical environment and the loss adjustment environment created by a catastrophe
• Pre- and post-loss adjustment procedures for a catastrophe
• The purpose and operation of the National Flood Insurance Program (NFIP)
• Types of losses covered under the NFIP policy
• Loss adjustment procedures under the NFIP
• How waiver and estoppel can occur and how they can be avoided
• The bases for bad-faith claims and damages
• The purpose of an examination under oath (EUO)
• How an EUO should be demanded and conducted
• How to resolve various problems that can arise with an EUO

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