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At Brown – O’Haver we pride ourselves in the specialized educational milestones we have reached. This knowledge helps us as we address the many unique opportunities we have to ensure that insurance claims are paid fairly. Unfortunately, the training that insurance claims representatives receive is not as comprehensive as it used to be and sometimes claims representatives deny claims simply because they do not have the unique training we pride ourselves in having.

Consider the following: A person died in a home and was not discovered for days. The home was saturated with odor. Is that insured? Originally, an insurer said “no,” but if someone has an all-risk policy, the peril would be covered unless it was excluded. There was no exclusion for this happening, and we could assist the insured profoundly.

Due to a misunderstanding, the Phoenix Swat team filled the home with tear gas. Was that insured? Originally the insurer denied the claim, but we found coverage through the “act of civil authority” provision of the policy. We could give hundreds of examples of how we have helped insureds receive all they are entitled to. Sometimes coverage will pivot on the definition of a single word.

We are proud to say that we have CPPA’s and SPPA’s that can handle your claim. A Senior Professional Public Adjuster (SPPA) has ten years of experience, has a college degree, and can pass a rigorous examination. A Certified Professional Public Adjuster (CPPA) has five years of experience.

Insurance claims representatives also have designations, such as AIC (Associate in Claims). National Underwriter, the adjusting industry’s go-to operation for training destinations, just introduced a new designation: Cannibus Insurance Claims Specialist (CICS). The world is changing, but the importance of additional training and knowledge for an insurance professional remains the same.