Sounds good... right. Insured WINS 40 million verdict!
It is not... let's break it down, slightly... just on the surface.
This is one claim, not a "pattern". This means it is looked at singularly.
It probably has already been appealed... (They are "crafting" it first, believe it is coming.)
You, and I, and every insured in the country will pay that, if/when it gets paid. They will pass all costs onto us in the form of higher premiums/continued LOWER claim payouts. Then lament that fact to legislators when blaming Plaintiff Attorneys, PIA's, and Contractors for the rise in litigation. (Not a single person should argue that it does not happen... they should argue the frequency, guilty verdicts of the perps... or quit beating that horse, a criminal is a criminal, and once a criminal for that crime, will lose their license, typically... forever.)
For that one insured, the needle was moved. It just cost everyone else, except those folks who did it... and nothing will change. That is the rub, and where I am going. 40 mill, and nothing changes.
I am more looking towards Oklahoma and California... These lawsuits are different. They are going toward the heart, and hopefully what folks will begin to understand...
They are "SCHEMES". Powers that be planned it, executed it, deployed in a test area, widened the test, then went nationwide...
On that 1 scheme... there are many, many more. Just like that one. Some better, some worse... all the same.
Decisions made prior to the purchase of the policy or any covered event... NOT TO DO SPECIFIC THINGS. Like.. pay for valid, legitimate Direct Physical Damage from a Covered Peril.
Understand that decision was made without you, in spite of you, in spite of the contract, in spite of the law... that decision was made and executed.
Now... if you understand that, this should be easy.
You are not going to move that needle, unless they let you. They made a decision that they were not going to, on a mass scale, and it is public now.
What does that leave you? Process, sweet process.
When done, correctly... they either move that damn needle where is it proven to go... or they answer to someone who can ask them why they didn't... Under Oath.
Public Insurance Adjusters, as a profession, are the only profession, save an attorney... (we should know there is a time and place for them... the beginning, before the insured has ever performed, or the carrier has had full opportunity to respond after is not it)..... that can legally respond in nearly, not all, of these United States, must pick their feet up. (If you are in that circle Contractor, PIA, Appraiser, Attorney, this a group effort. Until we are somewhat on the same page, apples to apples, this will occur.) Education should be at the forefront of every single organization, at every single event. Not as aside... not as CE... as the MAIN GOAL. Not bs and war stories... not feelings... facts. Networking is great... is a side effect, not the goal. The law, the policy, the facts of the loss. If we don't... it will be their victory cry as they crush the last vestiges of of the last stand left between them... and us. Not us as Public Insurance Adjusters. If you ceased to be one today... what would you still be? An insured. What were you before you ever heard the term Public Insurance Adjuster? An Insured. What are your kids, your grandkids, friends, neighbors... and enemies alike? Insureds.
October 5-9, 2026
Location: (My only opportunity to come home from the field, I'm taking it.)
11813 Hwy 6
Santa Fe, Texas 77510
(There is a $500.00 discount if you purchase both camps. )
There is no question, back to back camps nets the largest return on your investment. It is the next natural step.
Roofers/Contractors/Homeowners/PIA/Staff/Independent
The goal here is simply to explain, in plain English, what the policy actually says and what is supposed to happen step-by-step when everyone follows the rules.
Clear communication and proper documentation help the process go smoother for all three main parties — the insured (you, the homeowner), the carrier, and the contractor who may do the work.
(This ties directly into the Advanced Xact Field Training. First we teach you what is covered, then we teach you how it is covered, then we teach you how to transfer it to paper... Into what should become the insured's SPOL.)
The new classroom is located at 11037 Highway 6, Sante Fe, Texas 77510 ****(Special Colorado Session, see address above.)****
Statute, POLICY, and the Facts of the Loss... These are three bullets that are necessary for ANY claim to find successful indemnification.
They are using it to find obscure exclusions, language... and conditions precedent... Precedent for what you may ask... for a denial.
We specifically teach how to find, read, comprehend... and APPLY those bullets for the most precise outcome, according to those facts.
Our course equips students to safeguard families’ futures by ensuring insurance claims deliver promised indemnity. For 150 years, well-funded, amoral insurers have crafted complex policies with hidden duties, like the Sworn Proof of Loss, inflicting a "death by a thousand cuts" process through high deductibles, reliance traps, and denials, as in Billie v. Plymouth Rock (2025). Learn to submit a detailed Proof of Loss to secure rightful payments. For contractors and adjusters, this training prevents financial ruin and defends every insured.
Cal Spoon
****BRING ME OUR VETERANS**** 2 SPOTS JUST FOR THEM!!!
