East Bay Claims Association News Network - October 2018

Since 1993 with East Bay!

October 2018 Volume XXVI Number X

Celebrating our 26th year of publishing with East Bay

w w w. EastBayAdjusters.org

The Latest on Cyber Law at October 10 EBCA Join the EBCA for the next luncheon meeting of the year

Wednesday, October 10, 2018

as we welcome guest speaker

Gregory T. Meath Meath & Pereira at

Zio Fraedo’s 611 Gregory Lane, Pleasant Hill, CA 94523 - see page 5

Document Restoration Possibilities Outlined at Sept EBCA see page 6

2

East Bay Claims Association News Network • October 2018

Novato

415/493-2211

Napa County/Vallejo/Benicia 800/648-1608

Contra Costa/Santa Clara/Sonoma/ Sacramento 800/480-TIDY

Oakland/Alameda 510/351-0581

www.pwsei.com

Fire • Water • Smoke • Odor • Mold • Trauma • Vandalism Residential • Commercial

www.servicemasterclean.com

East Bay Claims Association News Network • October 2018

EBCA Gearing Up for Strong Year-End Finish!

3

October, 2018 President’s Message

By Jennifer Pinney, 2018 EBCA President OCTOBER 2018

VOLUME XXVI . NUMBER X

EBCA Mission Statement:

The East Bay Claims Association is a charitable and educational organization that is dedicated to the betterment of Insurance Claims Professionals, through: continuing education; industry knowledge and contacts; and a strong commitment to integrity and respect in networking.

In order to accomplish this mission, the Association provides a forum and network for insurance claims professionals to meet and share information. This forum and fundraising events held by the group also help to connect insurance claims professionals in local communities and expands public awareness of the work performed by insurance claims professionals.

Complete Rebuild Plans for Insurance Repair Projects

(Architectural, Structural, Title 24, Etc.)

600 Valley Main Street, Suite K E 3942 Ave., Suite Pleasanton, CA 94566

925.469.8000

www.JRStructural.com

Structural Evaluations & Reports Residential Remodels, Additions, & New Homes

Take a deep breath! We are moving into the official holiday season... already!

With Halloween just around the corner, you can almost smell the Thanksgiving Turkey in the oven.

2018 EBCA President

As the season changes, your East Bay Claims Association is gearing Jennifer Pinney up for a strong finish to the year.

Beginning with the return of our October 10th guest speaker, attorney Gregg Meath, followed by the popular EBCA Bowling Tournament November 14th, with the holiday luncheon party to cap off the year December 12th, there is much to look forward to.

Gregg Meath spoke for us a year ago and brought some invaluable information on social media, and the levels to which it the public information found there may be used in claims investigations. We are looking forward to an update from him, and for anyone who missed him before, make sure you catch him this time!

Plans are in place for the 3rd annual EBCA Bowling Tournament.

This has become such a valued event for this organization. Everyone seems to love it. This is also our annual food drive for the Contra Costa/Solano Counties Food Bank. Please bring some non-perishable food items to contribute. Net proceeds from the continued page 4

Grow Your Business to the next level

Start an Ad Campaign with Association News Network Be Seen • Be Real!

Call Bryan Harrison

925-708-5569 (cell)

bryan@AssociationNewsNetwork.com

WATER DAMAGE CLAIMS • Electronic Leak Detection & Repair • Sub-Slab Plumbing • Sewer Line Video Scans • Pools, Spas & Fountains

800-353-LEAK

www.AmericanLeakDetection.com

Orange County | San Diego | Los Angeles | SF / Bay Area

Michelle Basto, Marketing/Sales Associate 2186 Paragon Drive, San Jose, CA. 95131

Cell 408-921-9490 | Office 408-452-9700 | Fax 408-638-0945 To schedule jobs via email - sjfieldservices@patriotlab.com

4

East Bay Claims Association News Network • October 2018

President’s Message continued from page 3

Commissioner Approves New Program to Streamline Licensing Process for Independent Insurance Adjusters SACRAMENTO, Calif. — Insurance Commissioner Dave Jones announced September 26, 2018 he has approved a Universal Claims Certification (UCC) program from Claims and Litigation Management Alliance (CLM) designed to streamline the licensing process for independent insurance adjusters.

The UCC makes the process of licensing independent insurance adjusters who wish to acquire and manage their independent insurance adjuster licenses in multiple states more efficient. The UCC does not replace an independent insurance adjuster license, but makes the process of securing a license more efficient. Both licensed and unlicensed individuals can acquire a UCC. However, unlicensed individuals must first go through an intensive training by completing a 40-hour online pre-certification education program and successfully pass an examination to earn the UCC. “As Insurance Commissioner, one of my top priorities is making sure California’s insurance market is healthy and vibrant,” said Insurance Commissioner Dave Jones. “The Universal Claims Certification process is designed to streamline the independent insurance adjuster licensing process and reduce costs. Also, the UCC program sets requirements for licensees that exceed the requirements under current California law, meaning it requires licensees to complete more continuing education, which greatly benefits the independent insurance adjusters and consumers. When this program was filed,

my department worked to expedite approval so independent insurance adjusters would benefit from the efficiency the UCC is designed to provide. I encourage more organizations to develop innovative programs and business models, like this one, to better serve the needs of the California insurance market.”

Currently, independent insurance adjuster applicants are not required to complete any prelicensing education. California’s applicants are only required to take and pass the independent insurance adjuster license examination and meet the license requirements to receive an independent insurance adjuster license. For a licensee to maintain the UCC, the independent insurance adjusters must complete 24 hours of continuing education every two years including five hours of insurance law and ethics. The UCC program’s insurance law and ethics requirement exceeds California’s required three hours of law and ethics that is a part of and not in addition to the 24-hour continuing education requirement.

Once independent insurance adjusters acquire the UCC, they will be able to more quickly obtain a license in the states where the UCC is currently approved, including Alabama, Florida, Georgia, Mississippi, Texas, and now California. This will allow out-of-state adjusters to be more readily available when a natural disaster occurs.

“For years, the CLM membership has complained of the tedious state-by-state adjuster continued page 8

day will also go toward the EBCA Charitable fund.

Please join us, and/or sponsor the event.

And, finally, we will be holding our annual holiday luncheon party back at Zio Fraedo’s Wednesday, December 12, 2018. Once again, we hope to have in attendance representatives from some, if not all, our chosen charitable beneficiaries.

Please sign-up on the web site for all these upcoming events now: www.EastBayClaims.org.

We will also soon be launching our Early-Bird membership drive for 2019. So, get your membership shoes on (and/or bowling shoes), and be a part of your East Bay Claims Association!

Warm regards,

Jennifer Pinney Jennifer Pinney Bosco Company Direct: 408-642-8310 Office: 408-437-0337 jennifer.pinney@schaperco.com boscoconst.com

EBCA Designated Charitable Beneficiaries Include: 3 Bay Area Crisis Nursery 3 Shelter, Inc. - Contra Costa

3 Food Bank of Contra Costa & Solano Counties 3 Insurance Industry Charitable Foundation

East Bay Claims Association News Network • October 2018

The Latest on Cyber Law at October 10 EBCA Join The East Bay Claims Association as we resume our luncheon meeting schedule Wednesday, October 10, 2018.

It is with great pleasure we welcome returning guest speaker, Mr. Gregory T. Meath, of the law firm Meath & Pereira, with the latest in Cyber Claims Law.

Gregory Meath is a partner in the law firm of Meath & Pereira in Stockton, CA. He attended Pacific McGeorge School of Law, where he earned a Juris Doctorate as well as a Masters Degree in Transnational Business Law. Mr. Meath was born in Lodi, and attended public schools in Stockton including Washington, Burbank, and Nightingale elementary schools and Stagg High School. He earned a B.S. in Business at University of the Pacific.

Mr. Meath is a frequent speaker on topics of interest to business people including: assessing liability and risk for the small business; protecting yourself from identity theft; franchise laws; corporations and limited liability companies; trademarks, copyrights, domain names and patents for businesses; NAFTA and international trade agreements; and many other topics. He is an adjunct professor of law at Pacific McGeorge where he teaches Computer & Internet Law, and at Humphreys University Drivon School of Law where he teaches, Corporations, Intellectual Property and International Law. After having the opportunity to work in numerous locations throughout the country, and internationally, Mr. Meath’s practice is now dedicated to providing excellence in legal services to businesses in San Joaquin County to assure that local businesses have access to the legal and business resources needed to compete in today’s rapidly expanding and changing marketplace.

2227 Willow Pass Rd • Concord • CA 94520

Plan Now to Join the EBCA for the next luncheon meeting of the year

Wednesday, October 10, 2018 as we welcome guest speaker

Gregory T. Meath Meath & Pereira at

Zio Fraedo’s

611 Gregory Lane, Pleasant Hill, CA 94523

11:30 am Check-in Luncheon 12:00 noon - 1:00pm

FREE to registered 2018 Adjuster Members Adjusters Now Join for FREE (suggested $10 donation to the EBCA Charitable Fund)

$35 for current paid 2018 Associate Members $45 Non-Members/Guests or No Reservations

Purchase your lunch online, at: www.EastBayClaims.org Otherwise, for payment by cash or check at the door, please make reservations now with 2018 EBCA Secretary, Hailey Ayres: (925) 286-4093 or eastbayclaims@gmail.com

5

6

East Bay Claims Association News Network • October 2018

Document Recovery & Restoration Outlined at September EBCA

By Bryan Harrison

The East Bay Claims Association reconvened for a regular luncheon meeting September 12, 2018 at Zio Fraedo’s, following the grand 25th anniversary Claims Conference of Northern California at the end of August.

The group was in good spirits for the luncheon gathering, which featured a presentation on Document Restoration by Greg Fuqua and Shannon Beardsley, of Belfor Property Restoration.

The duo ran through a slide-show presentation illustrating and discussing various types of losses that can be addressed, touching on the processes used for different types of items.

“It is amazing how they can restore by removing excess water and freeze drying so many types of things,” stated EBCA Membership Chair, Lynna Harrison. “From water damaged newspapers, legal documents, even pictures, it’s quite impressive,” she added.

With the right technology, and often a hefty about of worker-hours, the ability to restore important documents and photos is invaluable.

Shannon explained that, even if documents have been sitting in a muddy basement, they can often bring them back to life. They remove soot, smoke, mold and asbestos as well.

Greg explained that the process is not cheap, but if it is valuable to the client, that is all that matters.

EBCA President Jen Pinney, welcomed the September crowd

Shannon Beardsley and Greg Fuqua of Belfor Property Restoration discussed document recovery

Greg Fuqua, Project Manager for Belfor

Shannon Beardsley, Document Recovery Specialist for Belfor Property Restoration

Congrats to renewed member, Brian Davis, of Five Star Textile Restoration, on winning the 50/50 Raffle drawing

Greg Fuqua shows how even photographs can often be restored

EBCA Past President, Gemma Houser, enjoying the luncheon with board member, Kathleen Taylor.

EBCA Secretary, Hailey Ayres; VP Amaya Fine; and board member Eric Gacutan, facilitated door prizes at the September luncheon meeting.

EBCA reconvened for a regular luncheon meeting at Zio Fraedo’s in Pleasant Hill September 12, 2018

7

East Bay Claims Association News Network • October 2018

Plan Now To Join The

East Bay Claims Association for the Third Annual

Bowling Tournament Wednesday

November 14, 2018

p U n g i S Now!laims.org

ayC B t s a E . w ww

@ Danville Bowl

200 Boone Court, Danville, CA 94526

FOOD DRIV to benefit

Plan Now To Join The

East Bay Claims Association for the Third Annual

Bowling Tournament A Fund-raiser to benefit

the EBCA Charitable Fund is now

The national leader in forensic engineering and origin & cause services • Forensic Engineering: Electrical, Mechanical, Civil, Structural • Fire origin and cause investigations • Fire protection engineering • Fire debris analysis

• Structural building plans • Construction Defect Investigation • Damage Assessment/Cost Consulting • Design Services, CAD Drafting

916.640.0640

, inc.

www.uis-usa.com

1172 National Drive Suite 100 • Sacramento, CA 95834

E

8

East Bay Claims Association News Network • October 2018

continued from page 4

licensing process. We first worked to tackle the process of managing multiple licenses with our Tracker product, then we started to work with various states to actually change the licensing process,” says CLM Founder and former CEO Adam Potter. “It’s exciting to see

this work come to life as we launch the UCC.” CLM is an insurance industry association with more than 45,000 members that focuses on education and resources. CLM offers over 300 live courses, events and conferences annually.

Jones encourages others to follow lead and adopt climate-related financial disclosure recommendations SACRAMENTO, Calif. — California Insurance Commissioner Dave Jones welcomes the Task Force on Climate-related Financial Disclosures (TCFD) 2018 Status Report, released September 26, 2018 in New York City during Climate Week NYC. Jones, an early endorser of the TCFD recommendations on Climate-related Financial Disclosures, is the first financial regulator in the United States to adopt the TCFD recommendation to use scenario analysis to assess insurers’ exposure to climate-related transition risk. Jones has undertaken a number of initiatives as Insurance Commissioner designed to increase insurers understanding and focus on climate-related risk.

“Climate change poses risks to the financial sector, including insurance companies,” said Insurance Commissioner Dave Jones. “Widespread adoption of the TCFD climate risk disclosure recommendations will help ensure climate-related risks are routinely considered in business and investment decisions and encourage an effective dialogue between companies and banks, insurers, and investors, about those risks, which in turn will lead to smarter, more efficient allocation of capital and greater resiliency in the face of climate change.”

Last year, the G-20 Financial Stability Board (FSB) Task Force on Climate-related Financial Disclosures (TCFD) published their final report, which highlights the physical, transition and liability risks presented by climate

change. This report contained climate risk disclosure recommendations for all economic sectors and also supplemental guidance for some sectors, including the insurance sector.

The G-20 FSB Task Force recommended voluntary disclosures and that preparers of climate-related financial disclosures provide such disclosures in public financial filings. Further, they noted that financial-sector organizations should consider using scenario analysis to evaluate the potential impact of climate-related scenarios on individual assets or investments, investments or assets in a particular sector or region, or underwriting activities.

Earlier this month, Commissioner Jones released a new report, Trial by Fire: Managing Climate Risks Facing Insurers in the Golden State, which examines the challenges and opportunities associated with climate risk, climate change, and insurance. The report further shows how climate change is a contributor to wildfire losses in California and discusses Commissioner Jones’ initiatives to focus insurers’ attention on climate risk and the role of insurers in addressing the three types of climate risks: physical, transition and liability risks.

“Analyzing and disclosing climate risks is smart business, given the increasing frequency and devastation of California’s climate-related disasters,” Jones added. “I urge companies to review and voluntarily adopt the recommendations of the Task Force on Climate-related Financial Disclosures. The climate

risk scenario analysis that we have performed on insurer portfolios and are providing to insurers illustrates the value of these recommendations.”

As a national leader on climate change and climate risk, and as the regulator of the largest insurance market in the nation, Commissioner Jones has led a multistate effort since 2011 to require insurers to respond to the Climate Risk Disclosure Survey adopted by the National Association of Insurance Commissioners (NAIC) in 2009.

In early 2016, Jones launched his Climate Risk Carbon Initiative because of the potential for investments in coal, oil, gas and utilities relying substantially on burning carbon, to become “stranded assets” on the books of insurers with little or no value as governments, private companies and markets, in an effort to address climate change and in response to market forces, may slowly or dramatically reduce the demand for

carbon-based fuels causing the value of these assets to drop.

In May, Commissioner Jones became the first financial regulator in the U.S. to conduct a climate-related financial risk stress test and analysis of insurance companies’ investment portfolios.

The Department engaged 2° Investing Initiative, an established partner of European financial regulators, to conduct this analysis for insurers in California’s insurance market with over $100 million in annual premiums. It is arguably the most comprehensive climate-related financial stress test analysis ever conducted for the insurance sector. The results of the scenario analysis are consistent with Commissioner Jones’ Climate Risk Carbon Initiative determination that thermal coal as an investment faces climate-related financial risks, despite any short-term fluctuations in market price and policy signals. in an effort continued page 11

East Bay Claims Association

2018 Membership Get On-Board

EBCA Needs You! JOIN NOW!

The East Bay Claims Association depends on membership dues as a main source of sustainability. As a thank you to your dedication to this organization, EBCA is offering an “early-bird” membership discount, for both individual and corporate memberships.

As a member of the EBCA, you are encouraged to get involved!

Beyond attending the regular luncheon meetings and other events the organization produces throughout the year, help is needed on committees and, ultimately, on the board of directors.

You can play a part in helping to shape a positive future for EBCA. For more information and ways in which you can possibly contribute, speak with one of your EBCA officers or board members today! You can have a say!

Go to www.EastBayClaims.org

9

East Bay Claims Association News Network • October 2018

EBCA 2018 - 2019 Schedule of Upcoming Events • WEDNESDAY, October 10, 2018 - Luncheon Gregg Meath

Use of Social Media in Claims Investigations

• WEDNESDAY, November 7, 2018

3rd Annual EBCA Charitable Bowling Tournament Danville Bowl - 3-6pm FOOD DRIVE!!!

• WEDNESDAY, December 7, 2018 Holiday Luncheon Party Charitable Beneficiaries

Association Luncheon gatherings are held at: Zio Fraedo’s Restaurant • 611 Gregory Lane, Pleasant Hill, CA

• WEDNESDAY, January 9, 2019 - Luncheon Christine Reed, Low Ball and Lynch DOI Fair Claims Regs Re-Certification

• WEDNESDAY, February 13, 2019 - Luncheon Kathleen Taylor, Velocity Solar Solar Panels and the new laws

• WEDNESDAY, March 13, 2019 - Luncheon 2nd Annual EBCA BINGO Luncheon

• WEDNESDAY, April 10, 2019 - Luncheon Dr. James Mason, ARCCA topic to be confirmed

• WEDNESDAY, May 8, 2019 - Luncheon Speaker/Topic to be confirmed

We are the First Responders “First Responder”!

Specializing in Residential and Commercial Consulting for ASBESTOS | LEAD | MOLD | BACTERIA The East Bay Claims Association News Network© is a production of Association News Network, Inc. Published monthly as a free service to the EBCA with a commitment and dedication to the promotion and betterment of this professional organization. The views and comments expressed within the articles herein do not necessarily reflect the views of A.N.N., Inc. or EBCA. Both the publisher and the association assume no responsibility for any opinions and/or statements offered by contributing authors to the publication. Acceptance of advertising material does not constitute endorsement of the products or services offered. A.N.N., Inc. reserves the right to reject any advertising copy or placement. We encourage industry support of this professional organization - its monthly newsletter publication and web site.

Go to: www.EastBayClaims.org Bryan Harrison, Publisher

Bryan@AssociationNewsNetwork.com • 925.708.5569

Lynna Harrison, Customer Services Manager

Lynna@AssociationNewsNetwork.com • 925.785.7021 © 1993-2018, all rights reserved • Association News Network, Inc. • www.AssociationNewsNetwork.com 2455 Naglee Rd. #263 . Tracy, CA 95304 • 209.229.8240

Same Day…

3 INSPECTIONS 3 REPORTS 3 ON-SITE CLEARANCES

Call or email us today for fast, reliable service

916-235-3110 service@regasgroup.com

www.RegasGroup.com

10

East Bay Claims Association News Network • October 2018

East Bay Claims AssociationNewsNetwork Services Directory

Paid Sponsorship listings directory - for info on being included, call 925-785-7021, or email: lynna@AssociationNewsNetwork.com

CONTRACTORS-ASBESTOS/LEAD/MOLD REMEDIATION

ALLIANCE ENVIRONMENTAL GROUP - Ed Work 4950 Fulton Drive, Suite E www.alliance-enviro.com • (707) 419-7638 Fairfield, CA 94534 info@alliance-enviro.com AMERICAN TECHNOLOGIES, INC. - Dan Ward 25000 Industrial Blvd. dan.ward@atirestoration.com • (510) 429-5000 Hayward, CA 94545 www.ATIrestoration.com • Fax (510) 429-5010 JM ENVIRONMENTAL, INC. - John Moore & the JM Team PO Box 2189 www.jmenvironmental.net • (916) 726-0304 Granite Bay, CA 95746-2189 Fax (916) 726-0340 P.W. STEPHENS ENVIRONMENTAL, INC. - Steve MacFarlane 4047 Clipper Court www.pwstephensinc.com • (510) 651-9506 Fremont, CA 94538 Fax (510) 651-7702

CONTRACTORS - ELECTRICAL

TUCKNOTT ELECTRIC CO. - Robert A. Tucknott, CFLC Forensic Electrical Expert bob@tucknott.com • (925) 931-0800

www.Tucknott.com • Fax (925) 931-0817

CONTRACTORS - GENERAL/RESTORATION

BELFOR USA - Dave Warters/Lisa Schwichtenberg 2365 Industrial Pkwy West (888) 543-3473 • Fax (510) 887-9110 Hayward, CA 94545 david.warters@us.belfor.com CHAD SMITH CONSTRUCTION - Chad Smith 2227 Willow Pass Rd www.chadsmithconstruction.com • (925) 566-8755 Concord, CA 94520 chad@chadsmithconstruction.com • Fax: (925) 566-8757 COAST CONSTRUCTION - Steve Mink/Kevin Morgan 718 Kennedy St www.CoastConstruction.net • (510) 533-7168 Oakland, CA 94606 24 Hr Em: (510) 773-6379 MARK SCOTT CONSTRUCTION, INC. - Troy Brincat Residential & Commercial msconstruction.com • Pl. Hill: (925) 944-0502 24 Hour Em Service Fairfield: (707) 804-8880 • Stockton: (209) 982-0502 WINGARD CONSTRUCTION - Bror Wingard 24 Hr. Em (925) 383-5618 One-Call Contractor for all your Corp. office: (925) 689-9322 reconstruction needs email@wingardconstruction.com • Lodi: (209) 368-2464

CONTRACTORS - MICROBIAL REMEDIATION

ALLIANCE ENVIRONMENTAL GROUP - Ed Work 4950 Fulton Drive, Suite E www.alliance-enviro.com • (707) 419-7638 Fairfield, CA 94534 info@alliance-enviro.com AMERICAN TECHNOLOGIES, INC. - Dan Ward 25000 Industrial Blvd. dan.ward@atirestoration.com • (510) 429-5000 Hayward, CA 94545 www.ATIrestoration.com • Fax (510) 429-5010 BELFOR USA - Dave Warters/Lisa Schwichtenberg 2365 Industrial Pkwy West (888) 543-3473 • Fax (510) 887-9110 Hayward, CA 94545 david.warters@us.belfor.com P.W. STEPHENS ENVIRONMENTAL, INC. - Steve MacFarlane 4047 Clipper Court www.pwstephensinc.com • (510) 651-9506 Fremont, CA 94538 Fax (510) 651-7702

ELECTRONICS RESTORATION

ERS - ELECTRONICS RESTORATION SERVICE - Andrew Titley 8698 Thornton Ave. www.ers-us.com • (510) 775-1959 Newark, CA 94560 andrew.titley@ers-us.com

ENGINEERS - STRUCTURAL

JR STRUCTURAL ENGINEERING, INC. - John Ehlert 3942 Valley Ave., Suite K www.JRStructural.com • (925) 469-8000 Pleasanton, CA 94566 john@jrstructural.com

ENVIRONMENTAL TESTING & CONSULTING

ENVIRONMENTAL SCIENCES SERVICES - Shane Jones PO Box 452 (916) 417-5361 Lockeford, CA 95237 envss1ca@gmail.com PATRIOT ENVIRONMENTAL LABORATORY SERVICES, INC. - Michelle Basto 2186 Paragon Drive mbasto@patriotlab.com • Office (408) 452-9700 San Jose, CA 95131 www.PatriotLab.com • Cell (408) 921-9490

FIRE INVESTIGATORS

FIRE CAUSE ANALYSIS - Ulises Castellon, CPCU Serving Clients (800) 726-5939 • Fax: (510) 649-3099 Nationwide! inquiry@fcafire.com

LEAK DETECTION/PLUMBING

AMERICAN LEAK DETECTION - Hillel Salomon P.O. Box 438 (800) 353-LEAK (5325) Berkeley, CA 94701 www.AmericanLeakDetection.com BULL’S EYE LEAK DETECTION - Daniel Spatz P. O. Box 73114 www.BullsEyeLeak.com • (916) 760-8944 Davis, CA 95614 office@bullseyeleak.com • Fax (916) 760-8970

OVERSPRAY REMOVAL

NATIONWIDE OVERSPRAY - Eric Gerencser Benicia, California

www.overspray.net • (925) 408-5909 Safe Overspray Removal eric@overspray.net • (800) 345-1269

PROPERTY RESTORATION - CLOTHING SPECIALISTS

BRIGHT LEAF CLEANERS - Liza Wisecarver Servicing all BrightleafCleaners.com • cell (925) 406-9889 of Northern CA liza@blcleaners.com • office (925) 455-6000 FRSTeam - Jim and Courtney Nicholas 3201A Investment Blvd 510-723-1000 Hayward, CA 94545 Natalie Lagorio: nlagorio@frsteam.com

PROPERTY RESTORATION/CONTENTS

AMERICAN TECHNOLOGIES, INC. - Dan Ward 25000 Industrial Blvd. dan.ward@atirestoration.com • (510) 429-5000 Hayward, CA 94545 www.ATIrestoration.com • Fax (510) 429-5010 BELFOR USA - Dave Warters/Lisa Schwichtenberg 2365 Industrial Pkwy West (888) 543-3473 • Fax (510) 887-9110 Hayward, CA 94545 david.warters@us.belfor.com SERVICEMASTER OF NAPA COUNTY, VALLEJO & BENICIA - Eric Larson/Lynn Fuller P. O. Box 6867 smnvb@interx.net • (800) 648-1608 Napa, CA 94581 Fax (707) 257-1608 SERVICEMASTER OF OAKLAND/ALAMEDA - Jean Hughes 14498 Wicks Blvd servicemastereastbay@comcast.net • (510) 351-0581 San Leandro, CA 94577-6712 Fax (510) 351-4704 SERVICEMASTER RESTORATION SERVICES - Robert Scott Serving Contra Costa rscott@sharjo.com • (800) 480-TIDY Santa Clara & Sonoma www.svmcleaning-restoration.com

ENGINEERS - FORENSIC

I-ENG-A® OF CENTRAL CALIFORNIA A Division of Pauli Engineering, Inc www.pauliengineering.com • (559) 237-4408 Cause & Origin Investigations, Plans for building reconstruction.

UNIFIED INVESTIGATIONS & SCIENCES - Michael OConnor, P.E. Civil, Structural, Electrical, (916) 640-0640 Mechanical, Fire O&C, Repair Plans www.uis-usa.com

Thank you to all our paid listing subscribers, and all our publication advertising sponsors. Literally couldn’t do it without you!

Deadline for all Submissions for the next issue is

October 19, 2018

bryan@AssociationNewsNetwork.com • 925-708-5569

11

East Bay Claims Association News Network • October 2018

Bowling Tournament To Include Annual EBCA Food Drive Participants encouraged to bring food items to donate to the Food Bank of Contra Costa & Solano

FOOD BANK OF CONTRA COSTA AND SOLANO Leading the fight to end hunger, in partnership with our community and in service of our neighbors in need.

1 in 8 residents turn to the Food Bank.

Food Bank of Contra Costa & Solano distributes food directly to low-income people at community sites and make food available for other nonprofit organizations serving the ill, needy and infants.

20 million pounds of food was distributed last year.

More than half of that was fresh fruits and vegetables.

The Food Bank has developed programs that provide food to meet the demand as well as support the nutritional needs of the people we serve.

1 in 4 emergency food recipients are children.

Programs including Food for Children, Farm 2 Kids, and the School Pantry Program operate throughout the year to help alleviate childhood hunger.

EBCA members and guests attending the November 14, 2018 EBCA Bowling Tournament are greatly encouraged to bring some food items (non-perishable preferred) to contribute to the overall EBCA FOOD Drive donation.

We hope to have a bin there, or may need volunteers to assist in delivering good to the Food Bank.

Let’s all do our part to help!

PEOPLE SERVED

Here are some facts about the Food Bank of Contra Costa and Solano that we hope you will find useful and share in the community on our behalf.

FOOD BANK FACTS: • Approximately 182,000 people served each month.

• 22 million pounds of food distributed; enough for more than 17 million meals.

• Nearly 60% of the food distributed is fresh produce.

• 96 cents of every dollar donated goes directly to food programs.

• 1 in 4 people receiving emergency food are children.

• 1 in 3 people served have to choose between paying for food and paying their rent or mortgage.

• Every dollar donated provides the equivalent of two healthy meals.

continued from page 8

to address climate change, may slowly or dramatically reduce the demand for carbon-based fuels and their value drops. Jones is the first financial regulator to ask that a financial sector-in this case insurance companies-divest from thermal coal and to require that they publicly disclose their holdings in oil, gas, coal and utilities, due to potential climate-related risks.

In May, Commissioner Jones became the first U.S. financial regulator to conduct a climate-related financial risk stress test and analysis of insurance

companies’ investments in fossil-fuels.

The department engaged 2° Investing Initiative, an established partner of European financial regulators, to conduct this analysis for insurers in California’s insurance market with over $100 million in annual premiums. It is arguably the most comprehensive financial stress test analysis ever conducted for the insurance sector. The results of the scenario analysis are consistent with Commissioner Jones’ Climate Risk Carbon Initiative determination that thermal coal as an investment faces

climate-related financial risks, despite any short-term fluctuations in market price and policy signals.

In June 2017, 12 state attorneys general and one governor threatened to sue Commissioner Jones for calling on insurance companies to evaluate and address potential climate-related risks to their investment portfolio, to ensure they are investing in assets that retain value and are subsequently available to pay future claims. Despite these threats, Commissioner Jones is continuing the Climate Risk Carbon Initiative, the

most recent component of which is the climate-related financial risk stress testing of insurers’ investment portfolios, to make sure insurers are addressing climate change related risks and to protect California consumers. In April 2018, a group of financial supervisors and central banks including the central banks of England, France, Germany, the Netherlands, Sweden, Singapore, China and Mexico announced their cooperation to conduct similar climate stress testing on insurance companies and other regulated financial institutions.

TO:

First Class Postage

Association News Network, Inc.

2455 Naglee Rd #263 Tracy, CA 95304 Return Service Requested

The Latest on Cyber Law at October 10 EBCA

Plan Now To Join The

East Bay Claims Association

Join the EBCA for the next luncheon meeting of the year

for the Third Annual

Bowling Tournament

Wednesday, October 10, 2018 as we welcome guest speaker

Gregory T. Meath

Wednesday

Meath & Pereira

November 14, 2018 @ Danville Bowl

200 Boone Court, Danville, CA 94526

Join/Renew for 2018 NOW!

Register at: www.EastBayClaims.org

Annual Membership earns discounts, includes priority privileges and helps fund the organization

Updates and more at our new Mobile-friendly Web Site: www.EastBayClaims.org

Residential & Commercial Reconstruction 24 hour emergency service

MARK SCOTT

construction, inc.

Lic. #682814

Pleasant Hill - Main t: 925-944-0502 Stockton t: 209-982-0502 Fairfield t: 707-864-8880 msconstruction.com

The Finest Name in Safe Overspray Removal

1-800-345-1269

Nationwide Mobile Crews – Immediate Response ISO 9001:2008 Certified

www.nationwideoverspray .com