Electrical Equipment

Adjusters should know how pool equipment is affected by freeze damage before settling this type of claim.

When a hot tub malfunctions, the policyholder may file a claim for an expensive full replacement. Adjusters should know a little about hot tubs, their components, and their losses, before settling these types of claims.

Extreme weather shifts have been documented in the United States in recent years that have affected insurance policyholders throughout the country.

When a policyholder claims freezing conditions as the cause of loss, it’s critical to evaluate if a component failure occurred that caused the system to succumb to the frigid temperatures.

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.

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.

Policyholders may file claims for faulty electronics or flickering lights, particularly after hurricanes, floods and windstorms. In reality, the problem may be within the electrical service panel.

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.

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.

This guide shows some important components of a built-in, under-counter residential dishwasher and what damage adjusters should look for when they wind up in claims.