East Bay Claims Association News Network - November 2018 by Association News Network

Since 1993 with East Bay!

November 2018 Volume XXVI Number XI

w w w. EastBayAdjusters.org

Celebrating our 26th year of publishing with East Bay

There will be no November EBCA Luncheon Meeting! Instead... Join The

East Bay Claims Association for the Third Annual

Bowling Tournament Wednesday

tBayC www.Eas

November 14, 2018 @ 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

East Bay Claims Association News Network • November 2018

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East Bay Claims Association News Network • November 2018

EBCA Gearing Up for Strong Year-End Finish!

November, 2018 President’s Message By Jennifer Pinney, 2018 EBCA President NOVEMBER 2018

VOLUME XXVI . NUMBER XI

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.

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Take a deep breath! We are moving into the official holiday season... already! With Halloween now in the rear-view mirror, you can almost smell the Thanksgiving Turkey in the oven.

2018 EBCA President Jennifer Pinney

As the season changes, your East Bay Claims Association is gearing 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 continued page 4

East Bay Claims Association News Network • November 2018

President’s Message continued from page 3

California Residents Forced To Evacuate Could Tap Insurance For Cost Reimbursement

Insurance may help evacuated residents even if homes are not damaged

BUTTE/LOS ANGELES/VENTURA, Calif. — Thousands of residents from Butte, Los Angeles, and Ventura counties ordered to evacuate due to wildfires may have homeowner or renter insurance coverage to help with evacuation and relocation costs, even if their homes are not damaged or destroyed, and in many cases no deductible is required. “With sometimes only minutes to evacuate, residents often escape with only the clothes on their backs,” said Insurance Commissioner Dave Jones. “Additional living expense coverage can help ease the financial burden of evacuation and is often the first step in helping residents begin the recovery process. I urge residents to reach out to their insurer and verify their coverage to get the help they need.” Many homeowners are unaware they may have insurance coverage under their homeowner and renter policies to help them with evacuation and recovery expenses under additional living expense coverage, known as ALE. ALE coverage typically includes food and housing costs, furniture rental, relocation and storage, and extra transportation expenses. The department is urging evacuees to contact their insurer to verify their ALE coverage provision, limits and learn about requirements to use the coverage.

It is critical to keep all receipts and document the date, time and names of any insurance company employees you speak to regarding your coverage and details of the conversation. Here are some tips for consumers: Policy provisions, including deductibles, vary by company, residents should check with their insurer or agent as soon as possible to confirm coverage, limits, and any other limitations and documentation requirements. Most renters’ policies also typically include ALE coverage. Consumer should make sure any insurance agent or public adjuster offering their services has a valid license by checking online with the Department of Insurance. Public adjusters cannot solicit business for seven calendar days after the disaster. Don’t forget copies of insurance policies, important papers and a photo or video inventory of your possessions. Keep all receipts accrued during the evacuation. An inventory can be completed quickly and easily on your smart phone and safely stored in the Cloud. more DOI page 8

items to contribute. Net proceeds from the 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 • November 2018

Getting To Know Your EBCA Leaders

Eric Gacutan -

EBCA Board Member Stepping Up To the Plate Leadership Profile by Lynna Harrison, with Bryan Harrison

As she began the start of her two-year term as president of the East Bay Claims Association this past January, Jennifer Pinney appointed, as part of her Board of Directors, EBCA member Eric Gacutan, with Alliance Environmental Group.

Claims Association in Stockton. Actually, the team he was on took first place, quite handily.

Eric tells us one of his favorite activities is bowling, and that he has been bowling since age seven or eight. “I loved going to the Bowling Alley with my parents, Aunts and Uncles and siblings growing up,” he explained. He was in a bowling league in college.

In their free time, Eric says he and Vanessa enjoy Six Flags, going to Festivals and just being with their boys.

Eric says he still loves to bowl, and he clearly does it very well. He said he also likes working out at the gym.

When asked, Eric said his greatest professional accomplishment thus far was having two articles he wrote being published in an Apartment Eric, who works as an Account Manager for Alliance, first came into Association Publication. the claims Industry in 2010. He has been with Alliance the past two As a member of the claims community, Eric says he sees himself beyears. In his position, he does Business Development and Marketing coming more immersed. He said recently that he feels “this younger for the firm, with his Territory being most of Northern California. generation coming up is starting to appreciate that we need to step up A native of Northern California, Eric was born and raised in Marti- and get involved in making things happen”. nez. He is the youngest of five children, including two sisters and In addition to his work as a new EBCA board member, where he’s two brothers. already helped out with After graduating from Alhambra High School and attending Diablo the golf tournament, Valley Jr College, he went on to graduate from U.C. Santa Barbara and assisted with sevwith a Bachelor of Arts degree in Philosophy. eral other events, Eric He then dove into the work force, garnering a position as Sales Man- is working with the ager for 24 Hour Fitness in Santa Barbara for several years. Missing Claims Conference of family and home, he was able to transfer to the 24 Hour Fitness branch N. California committee, and venturing out in Pleasanton. Eric and Vanessa, his beautiful wife, have two darling little boys, assisting with other associations as he can. Cameron, age 6, and Logan, who is 3.

He recently participated in a bowling tournament for the Mid-Valley

Eric, with Jen Pinney and Amaya Fine at the 25th anniversary CCNC

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East Bay Claims Association News Network • November 2018

Greg Meath Returns with Latest on Cyber Law at October EBCA By Bryan Harrison

The East Bay Claims Association was pleased to welcome returning guest speaker, Gregg Meath, of the Law offices of Meath & Pereira at the October 10, 2018 luncheon meeting. He brought his in-depth perspective on the latest in Cyber Law to the group. Mr. Meath, who teaches colleges courses on the subject, stated that the industry is moving toward “full October guest speaker, Gregg Meath integration” by insurance company investigators, with regard to utilizing social media as a regular part of investigations. When he spoke for the EBCA last year, he cited statistics on frequency of Facebook Guest speaker, Gregg Meath, with EBCA VP, Amaya Fine posts, Instagram and other social media, illustrating the incredible resource available within public domain for claims investigations. “2.3 billion people have Social Media Accounts,” he stated. That number has no doubt grown since then, he said. Despite some level of limitations due to the “Stored Communications Act”, which preserves privacy measures for private posts and messages, anything posted publicly Thanks to Gina Artis, of Belfor, for the festive tabletop centerpieces EBCA VP, Amaya Fine with Treasurer, John Ehlert is considered fair game under the law. His presentation covered some detail on fraud invescontinued page 8

Brittany Trujillo, of the Restoration Cleanup Co., & Rodrigo Perez, of Rimkus

Gregg Meath addresses the October 10, 2018 EBCA luncheon gathering at Zio Fraedo’s in Pleasant Hill

East Bay Claims Association News Network • November 2018

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November 14, 2018

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Cyber Law at October EBCA continued from page 6 continued from page 4

Don’t wait until it’s too late to get flood insurance SACRAMENTO, Calif. — Climate scientists warn that rising global temperatures are contributing to severe weather events-fires, hurricanes, droughts, and floods-which are causing or may cause loss of life, injuries, property damage, and economic disruptions. Many residents may not be aware that flood damage is not covered by traditional homeowners’ insurance. Now, more than ever, is the time for consumers to evaluate their risk and consider purchasing flood insurance to protect their assets. “Flood insurance may be all that stands between you and devastating financial losses,” said Commissioner Jones. “As we move into the rainy season, I urge homeowners to review their coverage needs and consider a flood insurance policy. Consumers need to know their risks and prepare before disaster strikes.” Flood insurance is available through the Federal Flood Insurance Program and must be in force for 30 days prior to a flood, so experts are suggesting consumers, including those in low-risk areas consider purchasing coverage well before storms hit. The Department of Insurance encourages consumers to review existing homeowner

coverage to make sure they understand what is and is not covered when rain storms cause damage other than flooding from rising water. The commissioner also advises consumers to prepare for potential disaster by using their smart phone to perform a home inventory to document their belongings and store it in your cloud along with scans of your deed, insurance policy and other important documents for access after a disaster. The department has a number of resources to help consumers with insurance coverage or claim questions. The department’s consumer hotline is available toll-free at 800-927-4357. 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.

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

tigations, and how social media posts can sometimes illustrate a very different status of well-being for some claimants. He also pointed out limitations to the use of social media in the claims process. “Lawyers, law firms and investigators may not ‘friend’ or ‘follow’ a represented claimant or plaintiff to obtain otherwise private information,” he said. “If this is done pre-suit by a claims professional or investigator to obtain information, it could be pre-cluded during litigation if improperly obtained.” He strongly advised against that approach. Likewise, impersonating someone, or pretending to be someone other than oneself in the course of an investigation is prohibited by the insurance code, he said. People are apparently getting smarter about their privacy set-

tings, too, he said. He cited a recent case where a judge reprimanded the plaintiff for making her Facebook account “private” during litigation. Defense counsel actually sought sanctions for spoliation of evidence in that instance, albeit unsuccessfully, he added. Mr. Meath also offered-up some tips for properly locating relevant social media-based content. 1) Investigate straight away 2) Preserve available content take screenshots 3) Expand search beyond the claimant - friends, family & interest groups. 4) Don’t engage in deceitful tactics. He also suggested getting claimants to sign a social media release. The talk was very well received.

East Bay Claims Association

2019 Early Bird Membership!

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

East Bay Claims Association News Network • November 2018

EBCA 2018 - 2019 Schedule of Upcoming Events • WEDNESDAY, November 7, 2018

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

• WEDNESDAY, December 12, 2018 Holiday Luncheon Party Charitable Beneficiaries

December 12th EBCA Luncheon to Celebrate 2018 Charitable Causes Wednesday, Dec 12, 2018 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

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

2019 EBCA SCHEDULE • WEDNESDAY, January 9, 2019 - Luncheon

Christine Reed, Low Ball and Lynch DOI Fair Claims Regs Re-Certification • THURSDAY, January 10, 2019 - Kick-Off Party Join the EBCA as we kick-off the new year! @ Lazy Dog Restaurant, Concord - details to follow • 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

• WEDNESDAY, June 12, 2019 - Luncheon Speaker/Topic to be confirmed

• WEDNESDAY, July, 2019 - EBCA Golf Tourney

Purchase your lunch online, at: www.EastBayClaims.org

Details to be announced

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

Details to be announced

• August, 2019 - 26th annual CCNC

East Bay Claims Association News Network • November 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

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TUCKNOTT ELECTRIC CO. - Robert A. Tucknott, CFLC Forensic Electrical Expert bob@tucknott.com • (925) 931-0800 www.Tucknott.com • Fax (925) 931-0817

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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

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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

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PROPERTY RESTORATION - CLOTHING SPECIALISTS

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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

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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

November 21, 2018

bryan@AssociationNewsNetwork.com • 925-708-5569

East Bay Claims Association News Network • November 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.

Toy Drive Contributions Encouraged at Holiday Luncheon Help East Bay Claims give to the Bay Area Crisis Nursery annual toy drive The Bay Area Crisis Nursery was established to help prevent child abuse and child neglect by providing supportive services to families who are in stress or crisis.

- Donations appreciated -

TOY DRIVE for Bay Area Crisis Nursery

“Our primary service is providing a warm, loving, homelike environment for children from birth through eleven years of age by offering 24-hour residential care. The organization’s services are free, confidential and voluntary.” Looking for other ways to support the Bay Area Crisis Nursery? Consider volunteering your time. Visit their Volunteer page to learn about our current volunteer opportunities: www.bayareacrisisnursery.org/volunteer

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Wednesday, November 14, 2018 - see page 7

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