What's the Scenario? with PLRB

Formerly "PLRB on Demand", this podcast feed is being rebooted as “What’s the Scenario? with PLRB.” Each week you’ll find a 20-minute episode that addresses a claims or coverage scenario and answers interesting insurance questions. Our PLRB team of Alissha Watley, Mike Brode, and Tim Havlir will discuss terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation rentals, and more. Stay subscribed to this feed and check back in the new year for a new podcast. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at youtube.com/@plrb/ LinkedIn - Please follow at “Property and Liability Resource Bureau” Send us your scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to [email protected]. If you send us an audio clip, we may use the audio in the show, though again we will only include material we can anonymize. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.

Wildfire Smoke Never Went Away 04/16/2024

Wildfire Smoke Never Went Away The insured is a homeowner in Oregon. There were wildfires in the forests around his neighborhood, but the fire never got closer than 3 miles from his house, so he never had to evacuate. Nevertheless, the smoke was thick in his area, and enough of it penetrated into the inside of the house to leave a faint but noticeable smoky odor that does not seem to be going away. The insured is requesting smoke remediation to be performed in his house and on some of his contents. Notable Timestamps [ 00:18 ] - The interior and exterior of the insured’s home was left with a smoky odor after a local wildfire, and the insured is seeking remediation under the standard ISO form. [ 01:10 ] - The team discusses the prevalence of wildfires in recent years. [ 03:25 ] - In most jurisdictions, odor is considered a physical loss because it is caused by particulate matter, and it’s a named peril. [ 04:27 ] - COVID particles die off quickly, whereas smoke particles tend to adhere for much longer. [ 05:50 ] - Is the insured being “overly sensitive”? How to decide whose nose knows? Objective criteria like smoke particles can be objectively measured, and a medical opinion is another form of evidence. [ 07:57 ] - In the pollution exclusion, “smoke” is specifically listed… but the pollutant was released by a coverage C named peril… namely smoke! [ 10:50 ] - ALE could even apply if the odor made the home not fit to live in. Furniture could need repair or replacement. [ 13:37 ] - The fire’s Canadian origin likely doesn’t affect coverage. [ 15:00 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources HO Policy on Smoke Peril (HO55) - TYCK on Smoke Damage to Homes from Neighboring Wildfires - Coverage Question “Home Suffers Odor From Wildfire Smoke” - CE Course on “Investigating and Resolving Different Types of Wildfire Losses“ - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/30817083

Is an Apple Watch a Watch? Is a Drone an Aircraft? 04/09/2024

Is an Apple Watch a Watch? Is a Drone an Aircraft? The insured, a father of 4, was out buying Christmas gifts for his children. This year he decided to splurge and buy each of them a drone and an Apple Watch. On his way back home, he stopped to get gas, and when he went into the minimart for coffee, a thief stole everything out of the back seat. The insured notified the police and submitted a claim under his ISO 1991-edition HO3. The adjuster considers this to be a covered Theft loss, but she knows there are specific provisions in the policy for watches and aircraft. Notable Timestamps [ 00:17 ] - A theft claim is submitted for four drones and four smartwatches under the 1991 HO3. The question arises whether special provisions for aircraft and watches applies. [ 01:27 ] - The team debates the merits of drones and smartwatches, their capabilities for wall damage and dog-scaring, and the wisdom of being notified emails the instant they are received. [ 03:09 ] - A $1,000 special limit of liability applies to theft of “watches.” Is an Apple Watch a watch? [ 03:42 ] - Alissha argues that smartwatches are too different from a basic time-telling watch, and is more like a phone. Smartwatches were likely not part of the original policy intent. [ 04:55 ] - Mike argues that it’s called an “Apple Watch” -- its makers and users consider it a watch, even if it’s more complex. [ 06:05 ] - The group quotes Shakespeare and Merriam-Webster; it tells the time and it’s on your wrist, so… [ 06:30 ] - Grassie v. Merrimack Mut. Fire Ins. Co., 291 A.2d 254 (N.H. 1972) (watches that were inoperable and kept in display case were still subject to special limit of liability for theft of watches). [ 07:00 ] - Ambiguities are construed in favor of the insured. So both sides need to hire a good lawyer. [ 07:52 ] - How would the policy treat an iPhone strapped to your arm? Coverage C would likely provide full coverage for a smartphone. [ 09:51 ] - “Property Not Covered” includes “aircraft”… but “model or hobby aircraft not used or designed to carry people or cargo” are covered. [ 10:20 ] - Toy drones likely fall under hobby aircraft. [ 11:15 ] - This scenario looked at what’s covered property, but a drone could also be a covered cause of loss, even if it destroys itself. [ 12:40 ] - Unlike BP and CP forms, there’s no concern about the loss happening off-premises; homeowners get worldwide coverage for Coverage C. [ 14:19 ] - In the 2022 ISO form, a $2,000 special limit of liability applies to model or hobby aircraft. [ 15:51 ] - Under the recovered property provision, if the thief is caught after the amount is paid, the insured can choose to return the payment or have the insurer salvage the goods. [ 18:00 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources FAQ, Drones and First Party Property Coverage, http://search.plrb.org/?DN=60514 FAQ, Is a Drone an Aircraft Under the CGL Policy?, http://search.plrb.org/?DN=56440 Coverage Question on “Is An Apple Watch Considered A Watch Or A Computer?” - https://search.plrb.org/?dn=58826&src=gsa Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/30734603

My Pot Caught Fire (Before I Wanted It To) 04/02/2024

My Pot Caught Fire (Before I Wanted It To) Your friend Joan was growing 3 cannabis plants in her home in Hawaii, intended as medical marijuana. Just as the mature plants were almost ready for harvest, the heat lamp malfunctioned and caused the crop to burn in a small fire. Joan submitted a claim under her HO policy, and wants to know if coverage is available. Notable Timestamps [ 00:16 ] - Joan’s plants were valued at $2,000 each, and she wants to know if there is any coverage under 2011 ISO HO3. [ 01:19 ] - Tim, Mike, and Alissha banter about Superbowl squares, “medical” marijuana, and the Ohio legislature. [ 03:03 ] - The plant may seem permanent, but you would probably take it with you, so it likely wouldn’t be considered part of the “dwelling.” [ 04:20 ] - The policy may have Additional Coverage for trees, shrubs, and plants limited to $500 per plant, but that would only be triggered under Coverage A and B after the plants were considered to fall under the “Land” exclusion. This claim falls under Coverage C, which would not apply the $500 per plant cap. [ 05:20 ] - But isn’t marijuana illegal? Section II excludes controlled substances, but Section I does not, and there’s no “illegal property” exclusion there. CP and BP forms also exclude contraband. [ 06:12 ] - There are a couple of hidden exclusions, namely a social implication that what you’re insuring is lawful property. [ 07:45 ] - The group discusses the uncertain legality of marijuana. [ 09:46 ] - Another “hidden exclusion” is fortuity - insurance doesn’t cover “costs.” [ 10:40 ] - Joan’s cultivation of these plants is legal under Hawaii law. [ 12:30 ] - Tim discusses the split among courts, including Tracy v. USAA Casualty Insurance Co., Civil No. 11-00487 LEK-KSC., 2012 WL 928186 (D. Hawaii 3/16/12) [reviewed at PLRB, Prop. Ins. L. Rev. 8428 (2012)] and Green Earth Wellness Center, LLC v. Atain Specialty Ins. Co., 163 F.Supp.3d 821 (D. Colo. 2/17/16). [ 14:15 ] - The 2022 ISO form specifically excludes cannabis under most situations. [ 16:30 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Homeowners Policy Annotations - Trees, Shrubs and Other Plants (HO43) - Webinar on Product Liability Cases Involving Emerging Risks: Vaping/Marijuana/Toxic Torts - https://www.plrb.org/distlearn/webinars/vplayer.cfm?vid=w0172 Coverage Question on “Theft of Marijuana - Covered Under a Homeowners Policy?” - http://search.plrb.org/?DN=47330 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/30631173

Help! They Stole My Facebook Followers! 03/26/2024

Help! They Stole My Facebook Followers! [Recorded LIVE at the 2024 Claims Conference in Boston, MA!] The two head pastors of a megachurch had a falling out. One pastor left to start his own ministry, but just before he did, he changed the megachurch's Facebook password. He now has exclusive control of the account and sole access to the 100k+ followers, so the church filed a theft claim with its first-party insurer. Is this a direct physical loss to the church's property? Are Facebook followers even "property" with any means of valuation? Notable Timestamps [ 00:23 ] - Two pastors had a falling out, and one left to start his own ministry. The exiting pastor changed the Facebook passwork and took over the account, which has over 100,000 likes. The church filed a theft claim. [ 01:17 ] - Tim, Mike, and Alissha discuss the fact that this episode was recorded live at the 2023 Claims Conference in Boston, MA. [ 02:09 ] - The group banters about the continued relevance of Facebook groups like the one at issue in this scenario. [ 03:00 ] - A gut feeling is not a basis for a denial. We have to go through the policy and articulate the basis for the decision. [ 03:45 ] - A “facebook follower” doesn’t sound like property, but “my account” or “my password” or “my client list” sounds like it could be. [ 05:19 ] - It took centuries for courts to develop and refine the meaning of land and property ownership, and “ownership” of digital assets is still a new field. [ 05:43 ] - Is this a direct physical loss? The data is stored somewhere on a physical medium… [ 06:30 ] - There is a special exclusion in Electronic Data for Manipulation By Employees. As for Employee Theft, Tim’s pocket policy comes in handy: “tangible property does not include electronic data.” [ 07:40 ] - Practically speaking, can an insurer encourage an insured to “just work it out” with the thief? [ 09:40 ] - Mike proposes “the Solomon approach.” [ 10:50 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Coverage Question on “Theft of Customer List Not Covered Under Employee Dishonesty” - Businessowners Annotation on Electronic Data - Businessowners Annotation on Employee Dishonesty - [External] Moss & Barnett newsletter article “Whose Followers Are They? Establishing Ownership of Company Social Media Accounts by Aylix K. Jensen” - https://www.lawmoss.com/media/publication/1817_0437-00-Moss-and-Barnett%20Fall-2019-Newsletter_v8B-Final.pdf Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to [email protected]. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/30503613

Detached Garage Converted to AirBNB 03/19/2024

Detached Garage Converted to AirBNB An insured’s detached garage burns down in a covered lightning strike, and somehow it’s not covered just because of a little side hustle? The PLRB crew hunt for coverage and find what the insurer can pay out on when an insured rents out their property without updating their insurance company. Notable Timestamps [ 00:17 ] - The insured remodeled their detached garage for use as an AirBNB rental, but never notified their insurer. The garage burned down, and the insured files a claim for the property damage, contents, and nearby oak tree that also burned down. [ 02:40 ] - This scenario’s policy explicity does not cover structures “held for rental”, so this clause would apply even though no guests were present on the date of loss. [ 05:50 ] - The contents would likely be covered as long as the detached garage is not considered an “apartment.” [ 07:42 ] - However, the Special Limit of Liability would limit that contents recovery to $3,000 under this policy. [ 08:04 ] - AirBNB provides a form of coverage which they state is not insurance, but it likely applies only when guests were, at minimum, present. [ 09:52 ] - The oak tree is also covered, but likely limited to $500. [ 11:13 ] - In a variation on the scenario, the group discusses that property of tenants would likely not be covered. [ 13:26 ] - Fair rental value coverage only applies to covered losses. [ 14:50 ] - Clauses on “homesharing activities” are more frequently appearing in newer forms. [ 16:30 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Adjuster Resource Sheet on Home Sharing Issues for Property Adjusters - Highlights of 2022 Revisions TO Section I ISO Homeowners Form - Coverage Question on “Home Sharing Endorsement Would Not Apply Where Tenant Rented Garage For More Than 30 Days” - Webinar on “Homeowners Liability Coverage: Current Trends” - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://thenounproject.com/icon/garage-6216862/ https://fontawesome.com/icons/bolt-lightning?f=classic&s=solid /episode/index/show/plrbpod/id/28873868

I Crashed My Bike Into a Tree 03/12/2024

I Crashed My Bike Into a Tree Is a recycle bin a “vehicle”? Does a car antenna ripping a coat fall under the Vehicles peril? How about a poorly secured wedding dress in the backseat of a convertible? If you occasionally win a biking competition, does the loss of your bike trigger business property coverage? Join Mike, Tim, and Alissha for the lightning round and discuss bikes, eBikes, sleds, boats, and more. Notable Timestamps [ 00:15 ] - The insured is an avid cyclist who occasionally wins money from his hobby. Another cyclist cut him off and he crashed his bike into a tree while at a park, destroying the bike. [ 01:13 ] - Mike & Alissha share personal stories, including a disastrous encounter with a parked car. [ 03:47 ] - The bike itself is Coverage C Personal Property as there’s an exclusion for motor vehicles, but not for vehicles. [ 07:04 ] - There is a Named Peril for losses caused by vehicles. Courts interpret this broadly to mean anything from boats to sleds; rollerblades and recycle bins might be pushing it. [ 09:22 ] - The force / weight / momentum of the vehicle must cause the loss. The team goes through a lightning quiz round exploring a variety of mini-scenarios on the vehicles peril. [ 13:53 ] - Depreciation can be subtracted when the bike is replaced if it was paid under ACV. [ 14:29 ] - Although the insured occasionally won money, that likely doesn’t qualify it as a business. [ 15:18 ] - eBikes present novel issues due to the motor vehicles exclusion, so PLRB has prepared detailed resources on this issue. [ 17:12 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Detailed annotation on Vehicles Peril - Legacy podcast on “The Coverage Contrarian: E-Bike Coverage Under a Homeowners Policy” - Coverage Question on “E-Bike Excluded Under "All Other Motorized Land Conveyances" Language” - Adjuster Resource Sheet on “Analysis of Coverage for an E-Bike Accident under a Homeowners Policy” (includes a link to a 50-state compendium) - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://fontawesome.com/icons/bicycle?f=classic&s=solid /episode/index/show/plrbpod/id/28873818

The New Cabinet Doesn’t Match 03/05/2024

The New Cabinet Doesn’t Match It’s a very common coverage question: does the insurance company really need to pay to replaced undamaged materials just because the replacement for the damaged materials doesn’t quite match? Alissha, Mike and Tim bring this highly visual subject to an audio-only medium with concrete tips on bringing objectivity and expertise to a subjective issue. Notable Timestamps [ 00:19 ] - Just one of the insured’s kitchen cabinet doors was damaged in a covered loss. The damaged cabinet was discontinued by the manufacturer, so the adjuster suggested an alternative. The insured would like all of the cabinets in the kitchen, and the nearby dining room, to be replaced so that they all match. [ 02:05 ] - Would it drive you crazy to have one cabinet that didn’t match? [ 03:45 ] - There is a great deal of variation in the court system when it comes to matching issues, but usually the insurer must provide a “reasonable match.” Ultimately, it’s a highly subjective issue. [ 07:04 ] - One objective factor is the effect on the market value of the real estate. [ 07:36 ] - Even though the undamaged cabinets did not sustain a direct physical loss, they may need to be replaced to address the covered loss. [ 09:25 ] - Big box stores, specialty cabinet makers, restoration contractors, and industry experts can help guide adjusters to the matching cabinets. [ 10:55 ] - Cabinets out of the line of sight likely would not require replacements, but these issues require a subjective approach on each claim. [ 13:33 ] - Newly replaced siding may not match pre-existing siding to the extent that the new siding hasn’t been weathered. This typically would not result in the replacement of all pre-existing siding. [ 16:34 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources State-By-State annotations on matching - Adjuster Resource Sheet quick reference guide on matching - Coverage Question on “Pair Or Set Clause, Matching Case Law May Apply To Kitchen Cabinets” - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28873773

There’s Honey in the Walls 02/27/2024

There’s Honey in the Walls In this episode, Mike, Alissha, and Tim answer everything you’ve ever wanted to know about bees, as long as you wanted to know if damage by bees was covered under homeowners insurance, if honey seeping through the walls is considered an ensuing loss, whether honey can be considered a “secretion,” and if bees should be considered “birds.” Notable Timestamps [ 00:27 ] - Honeybees have infested the insured’s walls. The insured will have to get the bees removed, and repair any damage leaking honey may have caused. [ 01:58 ] - Mike shares his own close encounter with a woodpecker infestation. [ 03:00 ] - Most homeowners policies exclude damages caused by animals because insurance covers “risks” and not “costs” like the typical expenses of homeownership. [ 04:18 ] - Many policies list excluded categories of animals such as “birds, rodents, and insects.” Scientifically and in layman’s terms, bees are considered “insects.” [ 07:08 ] - Some courts have held that even if a creature is not scientifically considered an “insect,” it may still be considered an “insect” under the policy under layman’s terms. [ 07:47 ] - Damage created by burrowing insects is likely not covered because it would be considered “caused by” insects, regardless of whether the bees and the woodpeckers work together. [ 08:56 ] - Under the ensuing loss clause, losses that “ensue from” insects are typically not excluded. In Arizona, damage by honey was considered covered-- or at least not excluded-- under the ensuing loss clause. [ 11:56 ] - Secretions from animals are excluded under many homeowners forms, but the honey production process is more complicated than a simple secretion. [ 14:47 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Annotation on Animal Exclusion - Webinar on “Just Because It Ensues Does Not Necessarily Make It an Ensuing Loss” - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28873588

Help! All My Apes are Gone 02/20/2024

Help! All My Apes are Gone NFTs may not be fungible, but they are transferable, and they are sometimes stolen with no traditional recourse. The PLRB crew discuss Bored Apes, acronyms, whether pixels are physical, and whether the internet is just a fad. Coverage topics include direct physical loss, special limits of liability, Property Not Covered, and more. Notable Timestamps [ 00:38 ] - An erstwhile member of the Bored Ape Yacht Club clicked a malicious link and his NFTs were transferred to an unknown source. The police were unable to assist. [ 01:06 ] - An NFT or “Non-Fungible Token” is a digital certificate of ownership residing on a blockchain. In the art world, someone may be the true owner of a piece of art while the actual piece of art is stored elsewhere, and even if someone makes a copy. NFTs apply that same logic to digital art and other media. [ 06:03 ] - Several courts have held that the loss of NFTs is not considered a “direct physical loss.” The microchip is physical, but the information on it is not. [ 09:00 ] - Special Limits of Liability likely do not apply. However, an argument could be made that NFTs fall under the policy language for “securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps.” [ 11:17 ] - Newer “Property Not Covered” provisions often discuss digital currency, but NFTs are not considered currency. The defining characteristic of currency is that it is fungible: any dollar is exchangeable with any other dollar. On the other hand, NFTs are by definition non-fungible. [ 13:12 ] - Just like traditional art, experts may be needed to evaluate the worth of NFTs. [ 16:01 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Coverage Questions on “Is the missing digital art covered property?” - and Homeowners annotation on digital currency - Webinar on “The Great Bitcoin Robbery Caper” - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28873548

My Son Set Off Fireworks in My House 02/13/2024

My Son Set Off Fireworks in My House Is there an exclusion for stupid? Join Alissha, Mike, and Tim to discuss bad decisions, wedding rings stuck on fingers, dumpster fires, and whether the choice to set off a firework inside a house is considered “intentional” under the policy. Notable Timestamps [ 00:17 ] - The insured’s son set off a firework in the house for the excitement, causing fire damage. The homeowners file a property claim. [ 01:26 ] - Alissha, Mike, and Tim discuss their opinions on fireworks, sneaking over the state line, exploding toys, dog ownership, and dumpster fires. [ 04:12 ] - There’s no exclusion for “stupid” (i.e. negligence), at least not prior to the loss. [ 07:34 ] - There is an exclusion for intentional loss. “Intent” usually applies both when the actor intends the consequence, and when they know the consequences are substantially certain to result. [ 08:46 ] - The fact that the son was intoxicated would not establish an insanity defense. [ 10:36 ] - The son was living in the house, even though he spent much of the year at college, and would be considered an insured so no subrogation is possible. [ 11:50 ] - For very young children, their young age can imply that they are not appreciating the consequences of their actions and that can speak to intent. [ 13:04 ] - The team discusses scenarios where an adult intentionally set a fire so that her husband could heroically put it out, where someone breaks a ring to get it off their swelling finger, and where someone smashes a window to break into their own house. [ 17:24 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Homeowners annotation on the intentional loss exclusion - Does a Farm Policy Cover Injury to a Semi Driver Caused by Water Balloons Tossed from Insured's Vehicle? - Cutting Off Ring That is Stuck On Swollen Finger… Intentional Loss? - Is Damage to Property of Others Coverage Available Under a Homeowners Policy for a Window Broken by the Insured Tenant's Son at a Rental Property? - CE course on Intentional Versus Negligent Conduct For Casualty Adjusters - CE course on Subrogation Claims - Webinar on Fire Loss Investigation Strategies - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28873518

My Grandparents Paid a Phone Scammer 02/06/2024

My Grandparents Paid a Phone Scammer What do AI voice clones, $3,000 in wired cash, a lost wedding ring, and a Toledo prison have in common? This episode on the coverage issues presented when a family member-- or a business-- falls for a scam. The team discusses the various types of scams out there and what may and may not be covered under most insurance policies. Notable Timestamps [ 00:18 ] - Grandma got a call from someone claiming to represent a charity. She wired $3,000 to an overseas account. Her family researched and found the company did not exist, and helped her file a claim with her insurance company. [ 01:15 ] - Mike & Alissha discuss their personal experiences with scams of this nature, and Tim warns of the dangers of A.I. voice clones. [ 05:21 ] - Banks don’t always refund money in situations like this, drawing a distinction between “scams” and “fraud.” [ 08:38 ] - Money is considered personal property under Coverage C, but it is typically subject to a special limit, recently in the range of $200 - $300. This likely still applies even if the money is not physical cash, but electronically held or wired funds. Cryptocurrency, commonly used in these types of scams, may not be considered money. [ 11:36 ] - Insurers do not distinguish between “scams” and “frauds” when it comes to “theft.” The intent to deprive the insured of their possession qualifies it as a theft. [ 14:36 ] - Tim discusses a tangential scenario where a wedding ring is lost in the insured’s luggage. [ 15:35 ] - Commercial policies do have an exclusion for “voluntary parting,” holding businesses to a higher standard than homeowners. [ 17:15 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Homeowners annotation on theft - CE course on Special Limits of Liability - Voluntary Parting of Money by a Wire Transfer Scam - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28873493

Aggressive Contractors Target Your Insured 01/30/2024

Aggressive Contractors Target Your Insured Most contractors are honest actors, but how can an adjuster handle a situation in which a contractor takes an aggressive approach, or insists on cutting the insured out of communications? The PLRB crew discusses the difficulties posed by these situations and what some legislatures and doing to address them. Notable Timestamps [ 00:35 ] - Hypothetical contractors say that they are paying the insured’s deductible, so the insurance company should only deal with them directly, not the insured. [ 03:25 ] - Some contractors apply high-pressure urgent sales tactics, and require down payments up front to lock in homeowners before they can research further. [ 05:54 ] - Fraud, deposit-snatching, and poor workmanship are other issues present in the industry, though uncommon. [ 08:15 ] - PLRB’s weather tools allow adjusters to confirm weather conditions like wind and hail were present on the date of the loss. On-site, adjusters may face difficult conversations if homeowners have already been promised a new roof. [ 09:56 ] - Legislatures in nearly half of states have instituted some form of protection such as a customer’s right to cancel a contractor’s contract, prohibitions against contractors paying deductibles, and requirements that contractors have a license to act as a public adjuster. [ 12:50 ] - Most homeowners policies forbid assignment of benefits without consent, but post-loss assignments are typically permitted. [ 14:51 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources 50-state survey on aggressive contractors - One-stop weather research - Recorded webinar on investigating fraudulent roofing claims - Recorded webinar on assignment of benefits - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28873218

The Next COVID Shutters Your Insured’s Business 01/23/2024

The Next COVID Shutters Your Insured’s Business The next pandemic strikes a local hospital, resulting in a business income loss as the facility is closed for cleaning. Does the presence of the virus on the surfaces to be cleaned represent a “direct physical loss” sufficient for coverage? Tim, Alissha, and Mike will explore a scenario nobody wants to think about, applying case law from the post-COVID era. Notable Timestamps [ 00:34 ] - A hypothetical outbreak of Ebola means that a hospital needs to shut down significant portions of its premises for two weeks to have the area cleaned. Are they covered for the business income loss? [ 04:06 ] - The team discusses how the Claims Conference closed in the early days of the COVID pandemic. [ 08:30 ] - COVID presented novel challenges to businesses, and to adjusters handling business income loss claims. Many claims were denied based on virus exclusions or the lack of direct physical loss. [ 10:38 ] - Many businesses argued that their properties experienced a loss of use, but a majority of courts (NY, IL, IN, FL, OH, WI, MA) so far has held that viruses do not cause direct physical loss. [ 12:20 ] - Courts in Vermont and California have held that viruses could be a direct physical loss, pending expert testimony. [ 16:30 ] - Going forward, adjusters can check for virus exclusions, which have become more common since the COVID pandemic. [ 17:56 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Coverage question on the “Virus Exclusion, As Defense To COVID-19 Business Interruption Claims” - Tim’s on-demand CE Course on Property Coverage Fundamentals - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28873173

Terrorist Attack Damages Insured Business 01/16/2024

Terrorist Attack Damages Insured Business A terrorist attack causes massive property damage, including to an insured business. The adjuster assigned to the claim is sure they’ve seen something in the policy about terrorism disclosure or terrorism caps, but isn’t sure what. In this episode, Tim, Alissha, and Mike will explore the TRIA act which enables coverage for minor terrorism losses, and why it likely does not apply to this scenario. Notable Timestamps [ 01: 40 ] - This episode concerns a real-life event, the 2020 Christmas Nashville bombing, in which the individual who set off the bomb died, several others were injured, and many businesses were damaged. [ 03:15 ] - The “War” exclusion would not apply, as many insurers found out after the attacks on September 11, 2001. [ 06:17 ] - What is TRIA? The Terrorism Risk Insurance Act made terrorism insurance available to businesses on a voluntary basis, for terrorist attacks certified by the Department of the Treasury. [ 08:52 ] - Under TRIA, a terrorist attack is dangerous to life, property, or infrastructure; has resulted in damage within the U.S.; was committed as part of an effort to coerce U.S. civilians; results in at least $5M in aggregate damage. [ 09:45 ] - In the Nashville bombing, the elements of a terrorist attack under TRIA were not met due to the lack of the coercion, amount, and certification elements. Because the TRIA elements are echoed in the policy’s terrorism exclusion, this likely means the claim is covered. [ 13:12 ] - After the Boston Marathon Bombing, many insurers faced the same issues. The event was never certified by the Department of Treasury as a terrorist attack. [ 14:45 ] - No event has ever been certified in this manner, but terrorism insurance exists and is affordable, so in that sense TRIA has been a success. [ 15:44 ] - Tim provides a quick recap of the points above. Your PLRB Resources Article on Nashville Bombing - On-Demand CE Course on Criminal Acts, Terrorism and Liability Claims - ) Overview of TRIA - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to with your story. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). /episode/index/show/plrbpod/id/28872703

Introducing What’s the Scenario? with PLRB 01/09/2024

Introducing What’s the Scenario? with PLRB Alissha, Tim, and Mike introduce a complete rebranding of PLRB’s podcast as “What’s the Scenario? with PLRB”, starting with a mini-scenario on a bear attack. Notable Timestamps [ 00:16 ] - A family went camping, only for their personal property to be destroyed by a bear. [ 01:41 ] - The team introduces themselves. is Senior Meetings Manager at PLRB responsible for some of PLRB’s annual conferences. is Property Coverage Counsel at PLRB with years of experience answering coverage questions. Mike Brode is Vice President of Educational and Technical Services at PLRB managing PLRB’s educational offerings, both live and online. [ 02:36 ] - This podcast is intended for insurance industry professionals who need quick-hit trainings on coverage issues that answer interesting insurance questions relevant to their daily work. These 20-minute episodes will provide clear explanations of complex coverage problems, answers to burning questions from real adjusters, and analysis of the latest trends, all grounded in true-to-life scenarios that authentically capture the insurance professional’s experience. [ 03:10 ] - Topics to be covered include terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation rentals, and more. [ 04:27 ] - For those who were already subscribed to the podcast feed for PLRB on Demand, just stay subscribed to the same feed and the title and icon will change. New subscribers should hit “subscribe” to get alerts when we post a new episode. [ 05:00 ] - Back to the bear attack, the property would be considered covered property; it doesn’t matter that it’s off-premises. [ 06:13 ] - In this named policy, vandalism requires a mental state of intent which the bear did not have. The same issue applies to other perils such as theft and malicious mischief. [ 08:30 ] - There is no named peril for damage by animals. Your PLRB Resources Homeowners Annotation on Theft - Homeowners Annotation on Vandalism - Coverage Question “Raccoon Cannot Cause Malicious Mischief or Vandalism” - Coverage Question “Birds Cannot Commit Theft” - https://search.plrb.org/?dn=25272&src=gsa Coverage Question “Vandalism and Malicious Mischief Involving Cows” - Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - LinkedIN - Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to with your story. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://thenounproject.com/icon/grill-5779567/ /episode/index/show/plrbpod/id/28872583

What's the Scenario? Podcast Reboot Coming in January 12/26/2023

What's the Scenario? Podcast Reboot Coming in January Coming January 9, 2024, this podcast feed will be rebooted as “What’s the Scenario? with PLRB.” Each week you’ll find a 20-minute episode that addresses a claims or coverage scenario and answers interesting insurance questions. Our PLRB team of , Mike Brode, and Tim Havlir will discuss terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation rentals, and more. Stay subscribed to this feed and check back in the new year for a new podcast. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app Send us your scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to . If you send us an audio clip, we may use the audio in the show, though again we will only include material we can anonymize. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). Woosh: https://freesound.org/people/qubodup/sounds/60013/ /episode/index/show/plrbpod/id/28623883