Disaster Aftermath Fairy Tale
Once upon a time there were calamities taking place. No, not fires, earthquakes, hurricanes or some other catastrophes, but something much less noticeable: insurance adjusters, welcomed with open arms, who took advantage of disaster survivors when they were most vulnerable. If you didn't have at least one hand on the wheel before the curve you lost control. The millions of people who suffered from a disaster each year such as earthquake, hurricane, tornado, fire and flood usually carried insurance, but they generally had no idea what they should financially expect, even after asking around. Nearly everyone had been left out of the loop, mainly because most of us rather hoped for the best than prepared for the worst. It is hoped you have found some immediate help here, and realized the greater benefit of preparedness in the long term, before a crisis of having your authority conceded for lack of knowledge. Crucial information and rights are essential, not make-believe. .
When it comes to your property, you see what to expect in case of loss, e.g., hurricane, tornado, earthquake, flood, fire. It's the content that matters...inside out.
- The N.A.I.C. (government entity that makes the insurance rules) Unfair Property/Casualty Claims Settlement Practices Model Regulation section on policyholder rights and insurance company responsibilities is contained in the book, "Policy Ensurance."
Control the element of surprise with Policy Ensurance by your side!
© 2011 APB Case/SR#: 1-589143711
"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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"...We have reviewed the material on your web site and wish to thank you for your efforts to give citizens the information they need to cope with the issues of filing a successful insurance claim in the event of a loss. Again, thank you for your public service... "
—State of Michigan Department of Community Health
Office of Public Health Preparedness, USA
Assumptions
a journey in retrospect
Nearly everyone has been left out of the loop, mainly because most of us would rather hope for the best than think the unthinkable...
Full article
Rules Changes
Both the N.A.I.C Unfair Claims Settlement Practices Model Regulation (previous model) and the NAIC Unfair Property/Casualty Claims Settlement Practices Model Regulation (current model) were reprinted by permission of the National Association of Insurance Commissioners. The two are included for reference so policyholders are aware of the rules changes...
Rules Maker
Expediency
A friend of mine said, "I would rather have a Harvard professor on my side anytime than a public defender."...I replied, "Not always. Let me show you something from an insurance claims manual. It was written with the counsel of a Harvard professor who counselled many large insurance companies as well as many other major industries in the art of 'winning' in dealings with the public." After reading some passages he said, "That can't be right." This coming from someone not sophisticated in insurance matters, but nonetheless he saw the obvious—the attitude is clearly to win, not to find common ground...
Full article
Your Call
the power to determine
In addition to "the power to determine," authority is also the basic right to control and command what is ours, though often subject to a higher authority. It is this habit to relinquish that is pervasive so as to eradicate the concept of personal authority. It becomes difficult to know what is ours to determine and what is trumped by some other...
Full article
Fraud comes dressed in different clothes. It can be a padded claim, arson for profit, insurance fraud ring, ...
Full article
Learn the responsibility that comes with authority, protect it, and act on it when necessary to protect your interest...
Full article
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In co-dependence denial the greatest ignorance is to reject substantive matter out of hand, yet insurance policyholders do it as preset course, unaware of their vulnerability till often too late.
The question is when will the 99% change course? The answer is when they are good and ready.
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