What do You expect in case of loss?

"Policy Ensurance"
I asked, "Where are the sacred rights of an insurance policyholder?"
And because they were secret, I said, "I must create access."
A book for policyholders to look beyond the veil!

• "Policy Ensurance" CONTENTS
  • Preface, 3
  • Introduction, 5
  • How to get What You Deserve, 7
  • Adjuster's Authority, 9
  • Standard of Value, 11
  • Actual Cash Value, 11
  • Market Value, 12
  • Depreciation, 12
  • Rules on Personal Property, 13
  • Provisions Limiting Insurance Company's Liability, 13
  • Replacement Cost Policy, 14
  • Coinsurance, 14
  • Salvage Principles, 15
  • Sample Personal Property Claim, 17
  • Sample Affidavit, 18
  • Sample Estimate Comparison, 19
  • Sample Statement of Loss, 20
  • Sample Building Claim Under Replacement Cost Coverage, 21
  • Sample Statement as to Full Cost of Repair or Replacement, 22
  • Statement as to Full Cost of Repair or Replacement, 23
  • Policyholder Interest Graph, 24
  • Sample Proof of Loss (form), 25
  • Proof of Loss (form), 27
  • Loss Worksheets, 29
  • Constructive Total Losses, 33
  • Examination of Policyholder Under Oath, 33
  • The Meaning of Lines 1 through 165, 34
  • Standard Policy Wording, 35
  • Acts Which Void the Policy, 36
  • Uninsurable and Excepted Property, 38
  • Hazards Not Covered, 38
  • Other Insurance, 39
  • Conditions Suspending Coverage, 39
  • Added Provisions, 41
  • Waiver, 41
  • Cancellation, 44
  • Mortgage Interests, 46
  • Pro Rata Liability, 48
  • What the Policyholder Must Do In Case of Loss, 48
  • Sample Appraisal Demand Letter, 51
  • Appraisal, 52
  • Insurance Company Options, 57
  • Time Limit for Insurance Company, 58
  • Subrogation, 60
  • Assignment, 64
  • Rights to Proceeds, 65
  • Attorney Fees, Penalties & Interest, 67
  • Insurance Company Tactics (quotes from adjusters' training), 71
  • Miscellaneous Cases, 78
  • Fiduciary Relationship, 86
  • Investigators, Adjusters and Agents, 92
  • Property Insurance History, 97
  • Commissioner of Insurance, 100
  • National Association of Insurance Commissioners, 100
  • Property Insurance Data, 101
  • Regulatory Authorities, 102
  • Unfair Claims Settlement Provisions, 105
  • N.A.I.C. Unfair Claims Settlement Practices Model Regulation, 106
  • NAIC Unfair Property/Casualty Claims Settlement Practices Model Regulation, 111
  • Comparison of NAIC Model Regulations, 122
  • California Insurance Code--Unfair Practices, 125
  • Glossary, 126
  • The Spiral of Fraud, 135
  • Claim Adjusting, 137
  • Index, 139
  • A Post-mortem, 149

Policy Ensurance

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Compiled By Antone P. Braga

ISBN 0-939206-02-1

Topics covered include: Your Authority & Adjusters' Authority, The Standard of Value, Depreciation, The Rules on Personal Property, The Provisions Limiting Insurance Company's Liability, Coinsurance, Salvage Principles, Standard Policy Wording, The Acts Which Void the Policy, The Conditions Suspending Coverage, What You Must Do In Case of Loss, many Sample Forms and Letters, References to Cases and Regulations, and much, much more.

"It is time that someone publishes a book of this nature. As Regulators, we are aware that most policyholders are not aware...We wish you all the success...Your intent and foresight is commended."
--STATE OF HAWAII DEPARTMENT OF INSURANCE, USA

"...We have reviewed the material on your web site and wish to thank you for your efforts to give citizens the information they need...Again, thank you for your public service..."
--OFFICE OF PUBLIC HEALTH PREPAREDNESS
STATE OF MICHIGAN DEPARTMENT OF COMMUNITY HEALTH, USA

"Thank you...regarding your vital information on Preparedness...In particular...useful information for people to have in terms of property insurance and business recovery issues...a good reminder of ways of helping prevent stress by Preparedness. Good luck with your book."
--DISASTER MENTAL HEALTH
AMERICAN RED CROSS
NATIONAL HEADQUARTERS, USA

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