Jones Act or Longshore Act? The Question That Decides Your Reserve
A worker is hurt on the water. Depending on facts you may not have at first notice, that claim belongs in one of three systems, and they do not behave alike.
August 25
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Truck Accident Liability When the Injured Person Was on the Clock
A delivery driver is rear-ended by a tractor-trailer at a stop. A flagger on a road crew is struck by a semi drifting onto the shoulder. A warehouse worker is pinned between a trailer.
August 25
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Walk the Loss Before You Write It
Why Scoping Discipline in the Field Determines Whether an Estimate Can Ever Be Right
Every estimating mistake that matters is usually a scoping mistake first. The line items, the pricing, and the software all come later. What happens during the inspection, what gets seen, measured, photographed, and asked about, decides whether the estimate that follows describes the loss or merely approximates it.
August 24
Claims Pages Staff
Every Line Item Is an Argument
Building Estimates Where Each Entry Can Be Explained Defended and Tied to the Damage It Repairs
A challenged estimate is rarely attacked as a whole. It gets attacked one line at a time, and it survives or fails the same way. Writing line items that pass scrutiny requires knowing exactly what each entry claims, what evidence stands behind it, and how it will read to a stranger months later.
August 24
Claims Pages Staff
The Price List Is Not the Price
Navigating Pricing Disputes When Published Rates and Market Reality Refuse to Agree
No sentence starts more arguments in property claims than the price list says. Published pricing is a starting point built from averages, and averages break down in storm surges, labor shortages, and unusual markets. Handling pricing disputes well means knowing when to hold the line and when the line is wrong.
August 24
Claims Pages Staff
The Xactimate Economy
Understanding the Software Ecosystem That Became the Shared Language of Property Claims
One platform now sits at the center of nearly every property claim, shaping how damage is described, priced, and negotiated. Around it has grown an entire economy of contractors, consultants, reviewers, and training empires. Adjusters who understand how that ecosystem works, and how it gets gamed, write better estimates and spot weaker ones faster.
August 24
Claims Pages Staff
Settle or Spiral
Following Two Versions of the Same Claim to See How Estimate Quality Decides the Outcome
Take one loss, one policy, and one policyholder, and run the claim twice, once with a complete defensible estimate and once with a thin one. The two files diverge quickly and end in different worlds, one in settlement and one in supplements, appraisal demands, and litigation. The difference was written in the first week.
August 24
Claims Pages Staff
The Contents Problem: Where the Inventory Goes Decides How the Claim Goes
The call comes in on a June evening: hail tore the roof membrane off a distribution building in Northern Colorado, a sprinkler line broke over the racking, and the insured is standing in three inches of water.
August 23
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AI Adoption in Enterprises: Lessons for Scaling Insurance Claims Automation
AI adoption in enterprises works when insurers stop treating automation as a stand-alone model and redesign the claims process around clean data, clear decision rights, and human review.
August 23
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Workload Wins Awards: How to Find Value in the 2026 Offensive Player of the Year Race
Value in this award starts with opportunity and volume, not simply with the biggest name on the board. Offensive Player of the Year rewards overwhelming individual production.
August 23
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Why Claims Adjusters Are Seeing More Mental Health Parity Disputes and What It Means for Coverage Denials
Mental health parity disputes are no longer limited to policy language debates or occasional member appeals. They are showing up more often in routine claims handling.
August 23
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The Best Ways to Store Delicate Clothing and Handmade Gifts to Prevent Damage
Delicate clothing and handmade gifts often carry value that goes beyond their price tag. A handcrafted wool cape, a hand-knitted blanket, artisan ceramics, or a carefully selected gift can become a cherished possession.
August 18
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Visual Communication Matters During Insurance Claims
When people think about insurance claims, they usually focus on forms, inspections, and policy documents. Yet one of the most important parts of the process often begins much earlier.
August 18
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What Most Dog Bite Victims Don't Know About Their Rights
Most people who experience a dog attack focus on the immediate solution, such as consulting a doctor, cleaning the wound, and calling someone. What happens after that, legally and financially, gets blurred.
August 18
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When Something Feels Off
Recognizing and Calibrating the Behavioral Cues That Tell You a Claim Deserves a Closer Look
Instinct is real, but it is not evidence. Experienced adjusters learn to notice the small behavioral signals that suggest a claim may be more than it appears. Understanding where those instincts come from, which cues actually matter, and which ones mislead is the first step toward using suspicion responsibly.
July 23
Claims Pages Staff
