An adjuster is assigned a property loss claim. The insured's house is in South Zanesville, Ohio on Cinema Drive, and they experienced hail damage to a portion of their roof on June 16. Their homeowners policy was only recently purchased on June 1 of this year. This claim brings up a number of questions, and luckily the adjuster is an employee of a PLRB member company, so they log on to PLRB.org. When they log in using their company email, they realize that PLRB.org has recently been upgraded with a new look and a member-structured approach. How can the member use the new PLRB.org to answer their question?
Notable Timestamps
[ 00:16 ] - Employees of PLRB member companies can create an account at PLRB.org, via their work emails, at no charge to them or their companies.
[ 01:23 ] - Jeff Kerensky has worn many hats at PLRB, but surely his appearance on this podcast is the pinnacle of his career... at least until his next pod.
[ 03:04 ] - Members can confirm hail damage at a specific date and address via PLRB's weather hub, specifically the Hail Search. It will show weather reports including hail size and their proximity to your selected location.
[ 07:16 ] - "OH..." (You say the rest.)
[ 09:40 ] - Only part of the roof was damaged, and matching is a state-specific issue. Thanks to PLRB's State-By-State on Matching, we know that a reasonableness standard will apply in Ohio.
[ 14:00 ] - Typing in an address on the PLRB.org Building Codes hub will show the local/state/relevant rules on topics like drip edges, ice barriers, etc.
[ 16:55 ] - Jeff provides a recap of the scenario and the points above.
[ 18:30 ] - This podcast is available in video format on PLRB.org or on YouTube! This episode includes visuals from Jeff's walkthrough.
Your PLRB Resources
Weather Hub: https://www.plrb.org/weather-cat/
Hail Search: https://cats.plrb.org/imaps/Hail_Research/
Property Hub (Including 50-State Surveys): https://www.plrb.org/property-lines/
Matching in Ohio: https://www.plrb.org/documents/ohio-matching/
Building Code Hub (Including Address Search): https://www.plrb.org/building-codes/
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/ask-plrb/) at no additional charge to you or your company.
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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 scenario@plrb.org.
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).
