not available for a critical structure, the
insured will likely be dissatisfied with the
agent, the claims adjuster and the insurance company.
4. Work collaboratively with
insureds on site
Agents and specialty insurers do their
best to help insured wineries mitigate the
risks of a wildfire. Unfortunately, when
embers are blowing into the property, it is
time to begin considering the claims pro-
cess. When handling these claims, adjust-
ers and agents must collaborate with the
insured on mitigation, documentation
Insurance professionals must lead with
empathy during these types of disasters.
Typically, the insureds have never seen a
claim of this size, and they may have lost
their home as well as their business. They
are looking to the insurance adjuster to
take the lead and define the collaboration
needed to move forward.
These large California vineyards are
like cities unto themselves, with incredible amounts of infrastructure from irrigation systems to potable water supplies to
wastewater treatment facilities. The insureds will need help prioritizing what is
most important to them regarding policy
and business issues.
Once you have dealt with pressing
needs and built trust, the adjuster needs
to immediately let the insureds know
what is and is not covered. The insureds’
perspective is always that everything is
covered, but the adjuster needs to manage that expectation and give them the
information they need to decide how to
allocate resources. Extend advances and
let them know you and the agent are there
to help support them.
5. Communicate throughout
Communication during the lifecycle of
the wildfire claim is critical, and agents
play a crucial role here. They know the
policy and the insured likely trusts them.
It’s the adjuster’s job to maintain this circle of communication after the initial on-site triage and assessment — this vineyard is more than just another file. In the
aftermath of the claims, maintain weekly
and then monthly communications.
Agents and adjusters are trying to manage any claim for an outcome that is acceptable to all involved, while proving the
value of the agent and insurer and keeping the promises made to the insured.
With empathetic, thorough risk management support and claims handling, everyone benefits and the insured has the best
possible outcome for this disaster.
Larry Chasin is president of Pak Programs, a
provider of customized insurance programs for
wineries and vineyards, breweries, wine and
liquor retailers, cideries, distilleries, and liquor
and wine importers and distributors. Chasin
has more than 20 years experience meeting the insurance needs of these industries.
Contact him at firstname.lastname@example.org.
STATEMENT OF OWNERSHIP,
MANAGEMENT AND CIRCULATION
(Required by 39 U.S.C. 3685)
1. PUBLICATION TI TLE: Claims.
2. PUBLICATION NO. 0895-7991
3. DATE OF FILING: September 15, 2016
4. FREQUENCY OF ISSUE: Monthly.
5. NO. OF ISSUES PUBLISHED ANNUALLY: 12
6. ANNUAL SUBSCRIPTION PRICE: $84.00
7. COMPLETE MAILING ADDRESS OF KNOWN OFFICE OF PUBLICATION:
(Street, City, County, State and ZIP + 4 Code) (Not printer) 4157 Olympic Blvd., Suite 225, Erlanger, KY 41018.
Contact Person: Lynn Kruetzkamp, Telephone: (859) 692-2256
8. COMPLETE MAILING ADDRESS OF THE HEADQUARTERS OR GENERAL BUSINESS OFFICES OF
THE PUBLISHER (Not printer): 120 Broadway, 5th floor, Ne w York, NY 10271.
9. FULL NAMES AND COMPLETE MAILING ADDRESSES OF PUBLISHER, EDITOR, AND MANAGING EDITOR
PUBLISHER: (Name and Complete Mailing Address) John K. Moore, 708 Arbor Ridge Ct, Ballwin, MO 63021.
EDITOR: Patricia Harman, 12515 Falls Rd, Cockeysville, MD 21030.
MANAGING EDITOR: None.
10. OWNER (If the publication is owned by a corporation, give the name and address of the corporation immediatlely followed by the
names and addresses of stockholders owning or holding 1 percent or more of the total amount of stock. If not owned by a corporation,
the names and addresses of the individual owners. If owned by a partnership or other unincorporated firm, give its name and address,
as well as those of each individual owner. If the publication is published by a nonprofit organization, give its name and address.)
ALM Media, LLC, 120 Broadway, 5th floor, Ne w York, NY 10018.
11. KNOWN BONDHOLDERS, MORTGAGEES, AND OTHER SECURITY HOLDERS OWNING OR HOLDING 1 PERCENT
OR MORE OF TOTAL AMOUNT OF BONDS, MORTGAGES OR OTHER SECURITIES (if there are none, so state). None.
12. TAX STATUS (For completion by nonprofit organizations organizations authorized to mail at nonprofit rates): N/A
13. PUBLICATION TI TLE: Claims
14. Issue Date for Circulation Data Below: September 2016.
15. EXTENT AND NATURE OF CIRCULATION:
Average No. Copies Each Issue No. Copies of Single Issue Published
During Preceding 12 Months Nearest To Filing Date
A. Total No. copies printed (Net press run) 13,625 13,592
B. Paid and/or Requested Circulation
1.Paid /Requested Outside-County
Mail Subscriptions Stated on Form 3541
(Include advertiser’s proof and exchange copies) 12,402 12,347
2. Paid In-County Subscriptions (Include advertiser’s
proof and exchange copies) 0 0
3. Sales through dealers and carriers,
street vendors and counter sales (not mailed) 8 7
4. Other Classes Mailed Through the USPS 0 0
C. Total Paid and/or Requested Circulation 12,410 12,354
D. Nonrequested Distribution by Mail
(Complimentary, and Other Nonrequested Copies)
1. Outside-County as stated on Form 3541 0 0
2. In-County as stated on form 3541 0 0
3. Other Classes Mailed Through the USPS 0 0
4. Rate Distribution Outside the Mail 1,215 1,238
E. Total Nonrequested Distribution Outside the mail
(carriers or other means) 1,215 1,238
F. Total Distribution (Sum of C and E) 13,625 13,592
G. Copies not distributed 0 0
H. Total (sum of F and G) 13,625 13,592
I. Percent Paid and/or Requested Circulation
(C divided by G times 100) 91.08% 90.89%
17. PUBLICATION OF STATEMENT OF OWNERSHIP: Publication Required. Will be printed in the November 2016 issue
of this publication.
18. I certify that the statements made by me above are correct and complete. (Signed) 9/15/16
Sheila Hyland, Finance Director