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Adjuster Tips
Learn more tools of the trade to manage claims and detect misrepresentation indicators through adjuster tips, customer service best practices, and the basics of handling specific types of complex claims.
Appliances
Find out more about the different types of appliances policyholders include in claims, including how they work, common causes of loss, and methods to return them to pre-loss condition.
Auto Claims
Check out auto claim-related materials to help assignments you may be working on. They reference vehicle fire investigations, crash reconstruction, CDR services, or even questionable claim details.
Cause of Loss
Discover resources that will help you accurately determine cause of loss. The materials cover uncommon causes of loss, perils misreported as something else, and specialty assessments.
Claim Investigations
Discover our articles, guides, and more that will help you improve your claim investigation techniques, spot potential misrepresentation, and resolve claims with confidence.
Codes & Regulations
Stay up to date on the codes and regulations that may impact claims or property investigations, including efficiency rules, building codes, or fire inspection standards.
Commercial Equipment
Explore content that covers how to address potential losses related to commercial structures and equipment. They include HVAC systems, walk-in freezers, economizers, business-critical equipment, and more.
Component Failures
Learn more about evidence management and the specialized testing that can help answer product failure questions.
Consumer Electronics
Review guides, articles, and other resources about consumer electronics included in claims, how they work, common perils, and repair or replacement recommendations.
Electrical Equipment
Discover how a variety of frequently claimed electrically powered equipment works, common causes of loss, and methods to return it to pre-loss condition.
Fire Claims
Learn more about origin and cause investigations, what fire inspectors frequently see during inspections, and how this peril impacts specific types of equipment and property.
Forensic Engineering
Review resources about structural and mechanical damage and what licensed engineers look for at commercial and residential properties.
Foundations/Ground
Find out more about how soil, land changes, and basements and foundations impact structures and what investigators look for.
Hail and Wind Claims
Discover how hail and wind impact HVAC systems, electronics, and structures on residential and commercial properties – and why policyholders confuse them with other losses.
Hurricanes, Tornadoes, and Other Disasters
Find out more about catastrophic disasters and the losses they leave in their wake, including how they impact equipment, structures, and other property items.
HVAC Equipment
Better understand both common and rare, complex HVAC equipment types and the losses they sustain with articles, guides, and other adjuster-focused resources.
Industry Data
Take note of trends related to equipment, insurance, and assessment results through annual reports and resources related to claims data.
Lightning and Surge Claims
Explore commonly reported perils and how they impact – or don’t affect – HVAC systems, electrically powered items, structures, and other property frequently included in claims.
Man-Made Damages
Learn what evidence distinguishes man-made damage, including roofing impacts and missing HVAC equipment, from other causes of loss.
Pools & Hot Tubs
Review articles, guides, and other resources about frequently claimed pool equipment, causes of failures, and their significance in claims.
Roofs
Learn more about roof and shingle types, common causes of loss, and what investigators look for during assessments through guides, articles, and other resources.
Solar Power Equipment
Explore why solar power equipment winds up in claims, including how components work, frequent causes of loss, and repair and replacement recommendations.
Subrogation
Understand the subrogation process and what information you need in order to make a confident decision about whether to pursue.
Tree and Outdoor Claims
Find insurance-focused resources about tree removal and claims that include outdoor assets such as landscaping, lights, and golf courses.
Water Claims
Flood, rain, or plumbing-related losses can impact a variety of structures and equipment. Learn more through helpful guides, articles, and other resources.
Water Heaters
Review eBooks, articles, guides, and other resources about the different types of water heaters, their causes of loss, and their significance in claims.
Well and Sump Pumps
Understand different types of well and sump pumps, how they work, and what it may take to return them to pre-loss condition through a variety of resources.
Windows
Find materials about the strengths and limitations of different types of windows, common causes of loss, and how assessments are completed.
Winter Losses
Identify what types of losses are more common in winter months through resources about winter-related perils or equipment most often claimed during colder months.
Workers' Compensation
Explore these resources to learn tips for handling workers’ compensation claims, indicators of misrepresentation, how to validate claim details, and how litigation may be involved.
Search Results
The HVAC system described in this claim assigned to HVACi was near an area that experienced a garage fire. The adjuster sought HVACi’s expert help to determine if the furnace and ductwork were affected and needed replacement.
It’s a good thing the adjuster for this claim didn’t take the contractor’s word for all the items listed as damaged by lightning.
A tree fell through the roof and wall of a policyholder’s bedroom during a storm. The carrier reached out to Donan for a scope of damage and to get repair recommendations.
While a claim with more than 800 solar panels could seem daunting, we took on the challenge of thoroughly evaluating all the equipment.
Having a policyholder take pictures and provide data can be helpful when circumstances don’t allow experts to come in to conduct the evaluation.
The adjuster handling the claim turned to Donan to confirm if a tornado was responsible for the reported sloping floors, punctured roof sheathing, and missing roof and wall areas.
Commercial HVAC claims may be more complex for adjusters to resolve than residential claims, since they often include multiple different types of systems with varied damages, or even multiple causes of loss.
An adjuster turned to Donan’s experts after a church’s ceiling fractured and fell in. Our engineer verified the cause of loss and identified the safety risks.
Two generators had reported lightning damage. Read the Generator Claim Case Study to learn more about the StrikeCheck process to provide answers.
The policyholder and the insurance adjuster handling the claim weren’t sure how the garage fire started and needed conclusive evidence to know why it occurred and how to prevent another one.
A carrier hired Donan to verify the extent of flood damage to a multi-story, multi-unit condo building following a hurricane. There were concerns about the structural integrity of the building due to the presence of broken concrete, soil displacement, and cracked walls.
The insurance adjuster handling this claim needed Donan’s help to determine the cause of loss to a damaged wooden fence and retaining wall after lightning struck a nearby tree on the property.
In this case study, the handling adjuster turned to Donan’s evidence management services for single-chain-of-custody shipping and an expert assessment of a leaking dishwasher.
Using a real-life hail-related roof claim, you’ll find out how our licensed engineers determine an accurate conclusion through interviews, property inspections, research, and testing.
For this claim, the carrier and their policyholder sought answers related to potential structural damages to an ocean-front property in the path of a major hurricane.
Find out how one such Top 20 national property and casualty insurance carrier partnered with HVACi to establish a data-driven decision tree based on policy and historical claim data to streamline the claim process.
Hail is a common cause of peril for residential HVAC equipment. Find out how an adjuster sought HVACi’s help in determining if hail had damaged the policyholder’s HVAC system and to what extent.
Want a scary story that could keep you up at night? Have you heard the one about an adjuster settling a claim on such incorrect information that it leads to more damage?
An adjuster needed support evaluating three HVAC systems for the initial claim. A few weeks later, the policyholder was worried about a noise coming from a furnace in one of the systems and wondered if it was related.
In this Scary Story, the adjuster handled a claim for a damaged boiler that was estimated to have a replacement cost of nearly $10,000.
Controlling claims leakage while increasing adjuster efficiency, consistency, and accuracy are among top priorities for insurance carriers. One Top 10 carrier found a way to tackle all those challenges by collaborating with HVACi.
A school reported 375 HVAC systems as hail damaged. The adjuster sought an objective HVACi assessment and accurate next steps.
Learn our fire investigation process and how we secure evidence with this fire case study that has indicators of incendiary fire.
We helped resolve an unnecessarily costly claim in which a contractor stated that the electrical pedestal and subpanel would need to be replaced for over $10,000.
The insured claimed that hail had damaged over 100 solar panels, and submitted a contractor estimate stating that all panels must be replaced — for a projected cost of over $125,900.
A policyholder reported that their failed well pump was damaged by lightning. The adjuster needed verification before settling the claim and engaged the StrikeCheck team.
Lightning damaging a well pump and causing it to trip the electrical panel? Seems like it could be plausible if the equipment wasn’t inspected thoroughly.
In this case study, the insured filed a claim after lightning reportedly damaged a water heater, oven, computer, and washing machine.
We break down how a Top 20 U.S. property and casualty insurance carrier has benefited from integrating our services for electronic and specialty item claims assessments into its process.
Multiple malfunctioning coolers and lights spell trouble for any policyholder but particularly for one running a restaurant.
A Top 5 P&C carrier entrusted StrikeCheck to determine the cause of loss and scope of damage for more than 300 types of electrically powered items.
Read about a residential claim that stemmed from an unusual winter storm in Texas that included several different electrically powered items.
Policyholders often blame weather-related perils when electronic items no longer seem to function as designed after a storm event.
The claim included nearly $22,000 of claimed solar power equipment; however, it appeared to be malfunctioning because of a damaged circuit breaker.
Claims about house fires aren’t necessarily rare. But what about claims related to garage fires that lead to power outages in several rooms inside a home?
There were dozens of computers, keyboards, audio equipment, and other electronics with a claimed replacement value of nearly $15,000.
In this scary story, a pool grade heater with two external pumps was leaking and some of the jets were not working as designed.
The adjuster was handed a lightning claim for several different items, including more than 40 malfunctioning solar panels.
The adjuster contacted StrikeCheck to perform a quick and accurate assessment to reveal the source of the problem and prevent claim leakage.
This case study involving a claim about a pool heater and a hurricane illustrates how StrikeCheck thoroughly looks at the facts to find the true cause of loss.
Read how a super-regional P&C carrier made StrikeCheck part of its process by establishing an automatic system that assigns us to check for lightning in the area at the time of loss after the claim has been verified for a policy in force.
Unlike some other causes of loss, lightning and surges can impact a variety of items – though it may not be noticed right away.
The insured for the claim in this case study was only guessing that the damage to a hot tub was related to a surge.
An adjuster needed support settling the claim described in this case study. The policyholder reported multiple residential appliances and specialty equipment had been impacted by a fire.
Read why the power was out throughout the downstairs of a home and whether it required a full service panel replacement – and at what potential settlement cost.
Smoke and fire claims are likely to include many items that could be damaged. However, not all items present during the fire will need to be replaced.
A resident plugged in a space heater and returned to find an electrical fire inside the bedroom wall. The contractor estimates ranged from $10,000 to $27,000.
Fire claims are never simple, and this case study describes how the StrikeCheck team handled a large loss inspection.
A car spontaneously erupted into flames. This visual case study explains how the National Fire Experts team determined the unexpected origin and cause.
A super regional carrier relied on our experts for settlement recommendations and found particular value in our speed and accuracy for claims filed after catastrophes.
An HVAC system sustained a reported mechanical breakdown. The policyholder had a contractor come who noted that animals caused the damage.
The Component Testing Laboratory team determined that a leaking washing machine valve was caused by a manufacturer’s defect. Read about the process in this case study.
Foundation footings on a steep slope showed signs of damage. Donan’s inspection considered terrain, building material, weather data, and more.
Freezing-induced damage? HVACi’s case study shows how comprehensive evaluations pinpoint the true culprit of the damage and guide adjuster decisions.
This case study demonstrates how fire investigators can confirm a chimney fire occurred and verify damage, even if time has passed.
A porch roof sagged after winter snows and maintenance. A Donan engineer applied their expertise and weather data to determine the cause.
A homeowner claimed wind damage to electrical system components, but a StrikeCheck assessment determined a different cause of loss.
An adjuster needed to know whether solar panel installation caused a residential roof to sag. Donan engineers inspected the roof and its framing to determine if appropriate modifications were made.
Learn how Alpine Intel provided a one-stop assessment solution for a claim that included both HVAC and electrical systems.
Learn how the National Fire Experts investigator determined the origin and cause of a truck fire using fire patterns, witness statements, and other evidence.
A refrigeration failure was claimed as a high voltage surge. HVACi’s assessment and actionable report determined the actual cause of loss with an industry-leading cycle time.
An adjuster tasked StrikeCheck with determining how many of nearly 50 claimed electronics needed replacement after a water loss.
A restaurant’s package unit reportedly failed due to a mechanical breakdown. HVACi’s onsite investigation and detailed reporting revealed the actual cause of loss.
This graphic case study illustrates how an engineering assessment identified evidence and causes of infestation and water intrusion into wall framing.
Learn how two Alpine Intel brands were able to deliver answers to an adjuster on a claim that involved reported hail damage to the roof and HVAC systems.
Find out how Donan’s engineer determined a house was damaged by river waters rising – and which damages were unrelated to the flood – in this case study.
National Fire Experts identified the most plausible origin and cause of a farmer's grain dryer fire and suggested next steps. Explore their findings.
Find out how StrikeCheck’s expert assessment helped an adjuster avoid settling for unnecessary costs in a residential claim for reported lightning damage.
Learn how an adjuster handling a claim with a residential elevator benefited from StrikeCheck’s quick cycle time, unique expertise, and actionable report.
An adjuster sought conclusive evidence from CTL’s professional engineers and testing to determine a lithium-ion battery fire cause and subrogation potential.
Learn potential consequences of rubber-stamping settlements in this Scary Story that describes claims with multiple electronics.
Read how Donan forensic engineers determined the cause and how to fix and prevent foundation damage in this case study about a foundation failure at an agricultural facility.
Find out how Donan’s forensic engineer determined the source, scope, and frequency of water damage to a basement to help the adjuster take confident next steps.
An adjuster turned to HVACi and StrikeCheck to verify water damage and provide repair and replacement recommendations on a variety of equipment for a single claim.
Learn how HVACi and StrikeCheck determined the scope of smoke and fire damage to electrical items and the house’s split system, as well as recommended next steps.
Learn how a Donan forensic engineer’s assessment revealed the actual cause and extent of damage to a home and basketball court with reported tornado damage.
Learn how CTL’s Crash Data Retrieval services delivered answers about the events leading up a crash for an adjuster looking to make an accurate settlement decision.
Learn how an adjuster got an accurate cause of loss, repair vs. replacement suggestions, and an objective settlement recommendation for a damaged water heater.
When an adjuster needed to verify reported hurricane-related damage to a split system, they turned to HVACi for help. Discover what an objective assessment revealed.
Learn how one adjuster used a Donan roof assessment to determine if hail damaged a commercial built-up roof and resulted in a leak.
A policyholder’s contractor sought a full replacement for a hail-impacted split system because of inaccurate regulation information. HVACi proved why that wasn’t necessary.
Get statistics about Donan flood investigations and engineer training, as well as an example of a hurricane damage investigation.
In this comic case study, an adjuster questioned a contractor’s estimate for rodent damage to an HVAC system. HVACi determined the cause of loss along with market value pricing for recommended LKQ materials.
Learn how one adjuster got the answers they needed about a reported electrical fire from National Fire Experts, even after the scene had been altered.
Discover how National Fire Experts identified the origin and cause of a commercial large loss fire through joint inspections and collaboration with CTL.
After a fire, a commercial policyholder submitted a claim with two split systems. Learn how HVACi provided the adjuster with just the facts, and how they differed from the reported loss.
Donan determined the scope of flood and wind damage to a beachfront property so the adjuster could make an accurate settlement decision about this hurricane claim.
Download the case study and discover how National Fire Experts’ Certified Fire Protection Specialist Program provided critical insights after a restaurant fire.
Find out how StrikeCheck assessed a solar power system and reviewed the contractor’s recommendations to deliver the answers an adjuster needed for an accurate settlement decision.
Learn how National Fire Experts’ certified fire investigators determined the most plausible cause of a boat fire that led to both property damage and injury.
Teams with three Alpine Intel service lines applied their expertise to answer the adjuster’s questions about electronics, HVAC systems, and structural chimney elements reportedly damaged by lightning.
Discover how CTL’s expert product failure testing determined the cause of a leaking water filter and empowered an adjuster to make informed subrogation decisions.
When a store owner reported lightning damage to their package unit, the adjuster handling the claim turned to HVACi for objective cause and scope of loss verification.
Discover how HVACi uncovered the actual cause and scope of loss in a claim with reported lightning damage to a residential split system.
Discover how Donan’s forensic engineer blended expertise, reliable weather data, and onsite evidence to determine an accurate cause of loss on a weather-related roofing claim.
Discover how National Fire Experts’ certified fire investigator determined the most plausible cause of a school fire that began with the building’s rooftop HVAC system.
Learn how Donan Engineering’s forensic expertise and comprehensive assessments provided clarity about a wildfire’s impact to roofing and structural components.
Discover how an adjuster got the information needed to accurately resolve a church’s multi-system HVAC hail claim with an expert, objective assessment from HVACi.
See how National Fire Experts helped an adjuster accurately resolve a complex EV fire claim, uncovering the fire’s most plausible origin, causes, and recommending next steps.
Discover how our mechanical engineer’s assessment found the source of basement water damage using onsite evidence, weather data, and more in our latest case study.
Find out how National Fire Experts’ investigator identified the most plausible cause of a fireplace fire that caused damage to a home, even without fire scene access.
Learn how CTL’s Professional Engineer used non-destructive testing to uncover the cause of a sump pump failure so that an adjuster could evaluate subrogation potential.
Find out how HVACi’s expert evaluation verified hail impacts to a split system and provided accurate repair vs. replacement recommendations.
Discover how HVACi can empower adjusters with insights into HVAC-related claims, even after a tornado strikes.
Read the story of an adjuster who relied on HVACi’s onsite assessment to confidently and accurately resolve a commercial HVAC claim after a tornado.
Read how StrikeCheck’s specialized knowledge helped an adjuster resolve a lightning-related smart home claim, determining the true cause of loss and identifying non-damaged items.
Read about how CTL’s Professional Engineers used non-destructive and destructive testing to help a subrogation firm pinpoint the cause of a plastic pipe leak.
Discover how StrikeCheck determined the cause and scope of loss for reported hurricane damage in a claim including an electric range, electrical service panel, wiring, and lighting.
Learn how Donan’s assessment helped resolve a ponding water concern, preventing potential structural damage and ensuring compliance with state building codes.
Discover how HVACi evaluated reported water damage to a heat pump after a hurricane and provided an adjuster with accurate repair vs. replacement recommendations.
After receiving a claim with high-value residential and commercial electronics, a carrier turned to TechLoss Consulting & Restoration for an onsite inspection. Learn what they found.
This comic-style case study describes how Donan created a timeline of events for a house uprooted by flooding, providing critical insights to help ensure a fair insurance settlement.
Find out how CTL safely documented, moved, and tested a fractured toilet using in-house services, so that the adjuster could evaluate subrogation potential.
After receiving a claim involving a skid steer that ignited without warning, an adjuster looked to National Fire Experts for insights. Discover what they found.
A commercial carrier turned to TechLoss Consulting and Restoration to assess a church’s claim involving complex audio/visual equipment. Discover the details of the onsite inspection.
Component Testing Laboratories used non-destructive testing to uncover an installation error behind a CPVC tubing failure, aiding the adjuster in assessing subrogation potential.
Find out how Alpine Intel’s National Fire Experts and Donan Engineering performed onsite investigations to answer an adjuster’s questions about the cause and scope of damage from a country club fire.
After receiving a claim for over $208,000 with two commercial elevators, a carrier turned to TechLoss Consulting & Restoration for an expert desk review. Read more.
A carrier sought objective verification for a dental equipment claim for more than half a million dollars. Learn how TechLoss Consulting & Restoration delivered the solution.
A fire at a manufacturing facility led to a complex claim and left the carrier in need of details about the ignition sequence. That’s where National Fire Experts stepped in to help.
Discover how the HVACi team determined the cause of loss for a restaurant’s inoperable commercial refrigeration system with speed and precision.
Discover how StrikeCheck’s objective expertise aided an adjuster’s assessment on a residential claim involving specialty electronics, including a boat lift controller and motor.
Discover how Donan licensed engineers determined if wind damaged a porch roof, providing the adjuster with necessary information to settle the claim.
TechLoss’s onsite inspection revealed the claimed tanning bed in this case study wasn’t as damaged as a contractor’s estimate suggested. Learn what TechLoss determined and how.
Learn how an adjuster partnered with VRC Investigations and HVACi to resolve a property claim with suspect misrepresentation.
A stolen vehicle claim raised questions. Find out how CTL’s infotainment download and analysis of call logs and connected devices gave the adjuster the clarity they needed.
A smoking furnace left a policyholder without heat. Find out how HVACi helped the adjuster handling the resulting claim uncover the cause of loss and most appropriate solution.
Discover how Donan’s licensed forensic engineers determined the cause of a water leak that damaged walls and ceilings in a recently vacated property.
An adjuster needed expert support for a furnace claim that cited freeze damage and a full replacement estimate. Get the case study to see how HVACi provided answers.
Donan’s forensic engineers provided an adjuster with assessments related to two claims on the same property that cited snow load damage. Find out the results.
An adjuster sought Alpine Intel’s expert support for a water damage claim involving a boiler and electrical panels. Learn how HVACi and StrikeCheck delivered the insights needed for an accurate resolution.
An insurance carrier’s SIU team relied on National Fire Experts (NFE) to determine how a fire started in a reportedly stolen vehicle. Request the full case study.
A policyholder reported their vehicle stolen twice, raising a potential red flag. Learn how CTL’s infotainment download provided the hard data needed to verify the claim.