Southern Loss Association Articles

Who Has Priority Over My Recovery?

After paying out a claim, insurers often pursue a subrogation recovery from a responsible third party. In evaluating the potential for recovery, subrogation specialists consider many issues including proof of liability, applicable contract provisions, statutory limitations, and the cost of pursing a recovery. Well informed insurers also work with their subrogation specialist to ask the question: Who is entitled to the recovery if we collect? In other words, who has priority over the funds recovered?

Investigation of Spontaneous Ignition Fires 

Spontaneous ignition has become more known and understood in the fire investigation community over the past 25 years, but is still missed by many seasoned experts. Fire, by definition, is a rapid oxidation process resulting in the evolution of light and heat in varying intensities, NFPA 921; 3.3.66. Oxidation is defined as a chemical reaction that is most commonly caused by atoms gaining oxygen. Therefore, fire investigators must have some knowledge of elementary chemistry to successfully complete origin & cause investigations. Spontaneous heating is the result of the slow oxidation of a combustible material, NFPA 921; 3.3.179. So, what exactly is oxidation?

Drones and Insurance – A Tool; Not a Replacement.

Drones and Insurance – A Tool; Not a Replacement. By Adrian Medley Camco Claims Today we are hearing more and more about the use of drones in the insurance industry, and in the last 5 years their presence has been increasing dramatically. People debate whether the drone will be replacing the adjuster, or will the … Read more

Lightning, Surge Protection, and the 2020 NEC

Lightning, Surge Protection, and the 2020 NEC By Nick Mahoney, P.E., CFEI S-E-A In recent years, lightning has accounted for tens of thousands of homeowner’s insurance claims across the United States according to the Insurance Information Institute [1]. Florida has typically led the U.S. in number of claims per year with Georgia and other southeastern … Read more

Other Resources

Atlanta Claims Association - https://www.atlantaclaims.com/

Casualty Adjusters Guide - https://www.cagworld.com/

Claims Magazine - https://www.propertycasualty360.com/claims-magazine/

Georgia Defense Lawyers Association - http://www.gdla.org/

Georgia Trial Lawyers Association - https://www.gtla.org/

Honorable Order of the Blue Goose, Intl - http://www.bluegoose.org/

How Stuff Works - https://www.howstuffworks.com/

Insurance Institute for Business and Home Safety (IBHS) - https://disastersafety.org/

Mapquest - https://www.mapquest.com/

National Academy of Forensic Engineers (NAFE) - https://www.nafe.org/

International Association of Insurance Professionals (IAIP) - https://www.internationalinsuranceprofessionals.org/

National Oceanic and Atmospheric Administration (NOAA) - https://www.weather.gov/

Property & Liability Resource Bureau (PLRB) - https://www.plrb.org/

Risk and Insurance Management Society - https://community.rims.org/

Ultimate Insurance Links - https://tonysteuer.com/