Sacramento Claims Association News Network - December 2017

Sacramento Claims December 2017

Association News Network

Volume XXIV • Number X

www.SacramentoClaims.org

www.SacramentoClaims.org

SINCE 1994 WITH SCA

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Sacramento Claims Association News Network • December 2017

SCA 2017 Chosen Charitable Beneficiaries The Firefighters Burn Institute is a non-profit 501(c)(3) organization founded by Sacramento Fire Captain Cliff Haskell and the Sacramento Area Fire Fighters Local 522 in 1973, for the purpose of establishing a local burn treatment facility; providing recovery programs for burn survivors; providing fire and burn prevention through public education; funding education for burn team professionals, firefighters, and burn survivors; and supporting burn treatment and rehabilitation research. https://ffburn.org

Union Gospel Mission provides care to all people regardless of their religious beliefs, gender, race or ethnic background, all through private donations. The Union Gospel Mission is a Christian nonprofit organization dedicated to helping those who are hungry, struggling, homeless and seek refuge at their doors, and provides a multitude of services to those in need. Read more... www.ugmsac.com

Sacramento Food Bank & Family Services partners with over 220 local agencies to distribute food to individuals and families in under-served areas throughout Sacramento County. To find a food distribution near you, enter your zip code below and click on any blue dot for the Partner Agency’s location and hours of operation. Please read any notes for special instructions relevant to that distribution. Sacramento Food Bank & Family Services relies on Partner Agencies to update distribution and meal schedules. If possible, please call the Partner Agency before making plans to attend a distribution. www.sacramentofoodbank.org

Sacramento Claims Association News Network • December 2017

www.SacramentoClaims.org DEC 2017 • Volume XXIV • Number X

SCA MISSION STATEMENT:

“The Sacramento Claims Association is a professional organization fostering contact and communication among its members and others in the insurance claims industry. The cornerstone of the Sacramento Claims Association is rooted in four primary areas: Education; Charitable; Communication; and Social.”

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Celebrating Chosen Charitable Beneficiaries December 2017 Message from SCA President Steve Moore, PE, CASp

SCA President Steve Moore, PE, CASp Barrish Pelham & Associates, Inc.

As I look at the successes and the challenges our beloved association has experienced this year, I find it encouraging that we, as an organization, are still able to come together - this time of year, especially - in harmonious fashion to honor and celebrate the work of some of our favorite non-profits.

We began with this process much earlier in the year, as we were fortunate enough to able to present a check at our annual golf tournament to the Firefighters Burn Institute. With everything that’s occurred since then, we are all the more proud and grateful to be associated with this fine and much needed resource.

We plan to keep the goodwill momentum rolling for our annual Charities luncheon scheduled for this Thursday, December 14, at Lions Gate Hotel.

We will once again be giving focus to the Firefighters Burn Institute, as well as the phenomenal work of the Union Gospel Mission. We hope to have representatives from these fine organizations attend the luncheon and share with us some of the invaluable work they are doing.

We will once again be having a canned food drive that day, as well, so please bring all you can to the luncheon and we will make sure it gets to the Sacramento Food Bank!

In addition, we will conduct an election of new board members for 2018.

For those interested in joining our board, please complete the application you’ll find on our web site: www.SacramentoClaims.org.

Le ak De te c t ions

Water Intrusion • Pipe Breaks • Pools & Spas

For a lot of people, the Holiday Season can be like running in a long, grueling race but with some really nice and relaxing “water stations” along the course. I hope all you run a great race and finish well in your “Holiday Run”! Hopefully, we will see you soon! Thanks again!

Happy Holidays!

Steve Moore

Steve Moore, PE, CASp 2017 SCA President • Detailed Inspection Reports • Cause, Duration, and Origin • Photos • Access/Put-back Estimates

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Sacramento Claims Association News Network • December 2017

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Annual SCA Schedule of Upcoming Events SCA THURSDAY Food Drive DECEMBER 14, 2017

Luncheon meetings are held at: LIons’ Gate Conference Center 3410 Westover St., Sacramento

to benefit the

SCA - holiday luncheon meeting

Charitable reps to receive SCA donations Annual SCA FOOD DRIVE! Please bring canned foods/non-perishable items to contribute to the annual SCA Food Drive, to benefit the Sacramento Food Band & Family Services organization

We ask that all members please bring non-perishable food items to the December 14th luncheon meeting to contribute to the overall SCA donation to the Sacramento Food Bank & Family Services organization. Your donation can make a huge difference!

SAVE THE DATE! SATURDAY

FEBRUARY 17, 2018 Annual SCA Winter Party! please save the date - details to follow WATER DAMAGE CLAIMS

• Electronic Leak Detection & Repair • Infrared Leak Testing • Sub-Slab Plumbing • Sewer Line Video Scans • Pools, Spas & Fountains

3 Origin / Cause / Duration 3 Direct Access / One-Line Bypass Estimates 3 Same Day Reports / Photos

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Sacramento Claims Association News Network • December 2017

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Early Bird Membership Drive for 2018 Is On! The Sacramento Claims Association Membership Committee is pleased to announce the Early Bird Membership Drive launch for 2018!

As of November 1st, current members may renew at a discount, and new members who join for 2018 will receive membership privileges for the remainder of 2017.

association has been building on its sphere of local charitable causes to support.

The SCA Board has opted to continue to offer annual FREE Memberships to insurance carrier adjusters (with an optional suggested $10 donation going to the charitable fund). Completion and submission of a simple membership application now allows all such claims people the benefits of membership.

Sign up or renew now at www.SacramentoClaims.org.

Annual membership dues provide a significant financial support to the organization. And, a strong membership helps to keep a non-profit like SCA viable and alive. Without all of us together there would be no SCA.

“This organization could not maintain the strong standing we enjoy today without the support of all our members,” stated SCA President Steve Moore.

The organization has worked diligently to continue to provide programs and events of interest and value to claims adjusters and the surrounding claims service community.

“We continue to encourage the carrier claims people and independent adjusters to participate, attend and become more involved, while we welcome insurance industry service providers,” Moore added.

“The Sacramento Claims Association is always committed to maintaining a high degree of professional courtesy within our ranks.”

In addition to the organization actively taking measures to continue to raise its standing within the community at large, the

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Annual Low Ball & Lynch Sacramento Seminar Tackles Tough Issues A breadth of coverage issues, new Cannabis Laws and more in afternoon seminar/webinar

By Bryan Harrison

The law firm of Low, Ball & Lynch held their annual complimentary seminar/webinar Thursday, November 9, 2017 at the Hilton Sacramento Arden West. Tackling key and sometimes controversial insurance claims related topics, the three-part afternoon-long session provided another worthy educational opportunity for the claims community.

Christine Reed orchestrated and MC’d another successful LBL Sacramento Seminar/ Webinar November 9, 2017

Christine Reed, above right, and Beth Ossino, gave a fascinating presentation on the emerging industry risk of the Marijuana Legalization law, and potential for market coverage.

Low Ball heavy-hitters, Charles Redfield and Kurt Bridgman led off the afternoon with a comprehensive session on the latest case law decisions. From duo tag-teamed on several themes, including Employment Law, Qualification of Expert Witnesses, various Tort cases; Assumption of the Risk-related decisions, and more. There were decisions viewed as victories as well as setbacks for the industry.

As a result of the decision in the case of Mohammed Haniff v. The Superior Court of Santa Clara County, 9 Cal.App.5th 191 (March 19, 2017), “defendants will not be able to compel a plaintiff to receive an examination by a vocational rehabilitation expert retained by the defense,” Bridgman said. There was “almost a collective gasp by the defense bar,” he said. “This was a very bad case for defendants in personal injury cases,” he added.

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In a win for insurance defense, courts rejected an attempt at “gross negligence” in an Assumption of the Risk Tort case. Erika Grotheer v. Escape Adventures, Inc., et al., 14 Cal.App.5th 1283 (August 31, 2017) ultimately held that “hot air ballooning is dangerous” and, as a result, defendant could not be held responsible for injuries resulting from a rough landing.

From water extraction to complete reconstruction, BELFOR has a solution to help you recover and get back to your life.

Led by firm partner out of the Monterey office, Christine Reed, the event drew a good live crowd as well as a strong online webinar audience.

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The second session featured Reed and Golden Bear Claims Manager, continued page 8

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Charitable Causes Key Element of SCA

Call for meeting attendees to bring non-perishable food items for the food bank One of the key elements an organization like the Sacramento Claims Association is able to harness is the wherewithal to support local charitable causes. As a non-profit 501(c)6 organization, part of the SCA mission has become to utilize funds and manpower from within the ranks to give back to the community at large.

This year’s chosen charitable beneficiaries are the Firefighters Burn Institute and The Union Gospel Mission. The Firefighters Burn Institute graciously joined our May 19, 2017 Golf Tournament dinner to accept a financial contribution from the SCA. We hope to have a representative from one or

Additionally, the SCA has developed a tradition (donations to the SCA Charitable Fund in lieu of fee appreciated) of providing donations to the Sacramento Food 3 $20 Independent Insurance Adjusters Bank & Family Services. Attendees at the De- 3 $32 Association Members w/Reservations made by cember luncheon meeting are encouraged to Dec 12, 2017 bring non-perishable food item contributions 3 $45 guests and after Dec 12, 2017 to go toward the overall association donation Secure your spot at: to the cause. Direct financial donations will www.SacramentoClaims.org also be accepted.

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Legal Seminar/Webinar

Sacramento Claims Association News Network • December 2017

continued from page 6

Beth Ossino, with a detailed look at the potential impact on the insurance industry wi th regard to the new Marijuana Legalization law.

Golden Bear Insurance has been on the forefront of writing policies for cannabis-related businesses on the eve of the outset of the new law. Proposition 64, passed by California voters in 2016, makes recreational use of marijuana legal as of January 2018. Government agencies, business people and the insurance industry are gearing up to be ready for the new law to take affect.

October Wildfire Claims Top $9.4 Billion Insurance Commissioner Dave Jones announces updated insured claims statewide data

SACRAMENTO, CA. - Two months after more than 100,000 residents fled, as wind-whipped wildfires ripped through northern and parts of southern California, Commissioner Dave Jones revealed the latest statewide total of insured losses, which now tops $9.4 billion in residential and commercial claims from the October wildfires, which are now counted among the most deadly and Tami Rockholt, RN, BSN. conducted costly in the state's history. The North Bay fires account for $9 bilthe session on Reasonable Value lion in claimed losses alone. of Medical Treatment at the Sacramento Legal Seminar/Webinar

"These numbers not only represent staggering losses to tens of thousands of Californians," said Insurance Commissioner Dave Reed and Ossino took an interested and engaged audience through Jones. "The October wildfires that devastated whole communities numerous perspectives and considerations, from personal use and tragically cost 44 people their lives have now proven to be the and personal cultivation regulations, as well as state licensing most destructive and deadliest in our state's history." regulation of commercial operations and questions regarding the The latest report is the result of a formal data call in which more availability of insurance coverage. than 260 insurers reported their total claims as of December 1 and With regard to the question of potential conflicts with regard to includes the destruction and damage for more than 21,000 homes, Federal laws that still define cannabis as an illegal drug, Ossino 2,800 businesses, and more than 6,100 private autos, commercial stated “If you write a policy you must pay related claims”. continued page 10

The final session of the day featured Tami Rockholt, R.N., B.S.N., with her presentation on “Reasonable Value of Medical Treatment”. Rockholt delved into evaluating medical costs in Personal Injury Cases, as well as covering Workers’ Comp.-related issues.

She detailed appropriate In-Patient Hospital Stays, Professional Fees and Prescription Drug pricing.

The 2017 Low Ball & Lynch Sacramento Seminar was dynamic, informative, and covered a wide range of subject matter all in a relatively short time span. A video recording may still be available. Contact Christine Reed at 831-655-8822 or CReed@lowball. com for more.

Above, left-right: Christine Reed acknowledged partners Charles Redfield and Kurt Bridgman for their comprehensive Case Law Update at the November 9th Sacramento Legal Seminar.

Sacramento Claims Association News Network • December 2017

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Sacramento Claims Association News Network Services Directory Thanks to all our paid directory listing sponsors

ALTERNATIVE DISPUTE RESOLUTION

ERNEST A. LONG ADR - Ernie Long 2630 J Street 916-442-6739 • Fax 916-4424107 Sacramento CA 95816 elong@ernestalongadr.com

ATTORNEYS - DEFENSE

NAGELEY, MEREDITH & MILLER, INC. - Greg Meredith 8801 Folsom Boulevard Suite 172 (916) 386-8282 • Fax (916) 386-8952 Sacramento, CA 95826 GMeredith@NMLawFirm.com PORTER SCOTT - Lindsay A. Goulding 350 University Avenue, Suite 200 www.porterscott.com • 916.929.1481 ext. 470 Sacramento, CA 95825 lgoulding@porterscott.com • Fax: (916) 927-3706

CONTRACTORS-ASBESTOS/LEAD/MOLD REMEDIATION

A-1 REMEDIATION - David Brooks 4270 Pell Drive dave@a1remediation.com • (916) 568-7624 Sacramento, CA 95838 www.A1remediation.com • Fax (916) 568-7639 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. - Barry Metcalf 2965 Ramco Street. Barry.Metcalf@atirestoration.com • (916) 388-2440 West Sacramento, Ca 95691 Fax (916) 388-2445 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 LAWTON CONSTRUCTION - Brett Lawton P. O. Box 6026 www.LawtonConstruction.com • (916) 434-9280 Auburn, CA 95604 866-990-5150 •Fax (916) 434-2590 P.W. STEPHENS ENVIRONMENTAL, INC. - Jason Kettlehut 1588 Santa Ana Ave. www.pwstephensinc.com • (916) 565-1700 Sacramento, CA 95838 www.pwsei.com • jasonk@pwsei.com SELECT ENVIRONMENTAL – Blake Roath Mold, Asbestos, Lead & General Demolition 5037 College Oak Drive, Suite C selectenviro@gmail.com (916) 256-3899 Sacramento, CA 95841 www.selectenvironmental.org Fax (916) 486-1357

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 - Grant Cody 3132 Dwight Rd Ste 300 (916) 399-1865 • Fax (916) 399-9388 Elk Grove, CA 95758 grant.cody@us.belfor.com DH CONSTRUCTION - Ken Daley/Robert King 4324 Orange Grove Ave. www.DHfirerestoration.com • (916) 481-3297 Sacramento, CA 95841 ken@dhfirerestoration.com FITE & COMPANY CONSTRUCTION - Jeff Black 9857 Horn Rd jblack@fiteproperties.com • (916) 366-5695 Sacramento, CA 95827 Fax (916) 361-9043 JP GALLAGHER CONSTRUCTION, INC. - Jack Gallagher (916) 722-0623 6380 Tupelo Dr., # 8 jack@jpgallagherconst.com • Mobile (916) 846-0623 Citrus Heights, CA 95621 www.jpgallagherconst.com • Fax (916) 722-0624 HALDEMAN CONSTRUCTION - Jason Haldeman P.O. Box 4244 www.hcbuilders.com • (530) 885.8085 Auburn, CA, 95604 jason@hcbuilders.com • Fax (530) 885.8985 LAWTON CONSTRUCTION - Brett Lawton P. O. Box 6026 www.LawtonConstruction.com • (916) 434-9280 Auburn, CA 95604 Fax (916) 434-2590

CONTRACTORS - GENERAL/RESTORATION - CONTINUED

MARK SCOTT CONSTRUCTION, INC. Residential & Commercial msconstruction.com • Pl. Hill: (925) 944-0502 24 Hour Em Service Fairfield: (707) 804-8880 • Stockton: (209) 982-0502 PROBILT CONSTRUCTION - Roger Kolb 3770 West Pacific Ave. rogerkolb57@gmail.com • (916) 455-1782 Sacramento, CA 95820 Fax (916) 455-1783 WINGARD CONSTRUCTION - Bror Wingard 24 Hr. Em (925) 383-5618 One-Call Contractor for all your Lodi office: (209) 368-2464 reconstruction needs email@wingardconstruction.com • Concord: (925) 689-9322

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. - Barry Metcalf 2965 Ramco Street.

Barry.Metcalf@atirestoration.com • (916) 388-2440 West Sacramento, Ca 95691 Fax (916) 388-2445 BELFOR USA - Grant Cody 3132 Dwight Rd Ste 300 (916) 399-1865 • Fax (916) 399-9388 Elk Grove, CA 95758 grant.cody@us.belfor.com P.W. STEPHENS ENVIRONMENTAL, INC. - Jason Kettlehut 1588 Santa Ana Ave. www.pwstephensinc.com • (916) 565-1700 Sacramento, CA 95838 www.pwsei.com • jasonk@pwsei.com

ENGINEERS - FORENSIC

BARRISH PELHAM ASSOCIATES, INC. Sacramento: (916) 418-9100 Consulting Engineers Truckee: (530) 562-4266 www.Barrish.com Pleasant Hill: (925) 273-7663 COMPLERE ENGINEERING GROUP, INC. - Gene Wilkins, P.E. Fire C&O, Property Liability, Thermography, Structural 4230 Kiernan Av., Suite 210 wilkins@complere.com • (209) 545-8165 Modesto, CA 95356 www.complere.com • Fax (209) 545-8170 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

ENVIRONMENTAL TESTING & CONSULTING

RegasGroup ENVIRONMENTAL CONSULTANTS - Dominick Sager

705 E. Bidwell St Ste 2-244 service@regasgroup.com • 916-235-3110 Folsom, CA 95630 www.RegasGroup.com

FIRE INVESTIGATORS

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

FLOOR COVERING

MASTERS WHOLESALE - Jeff Lovelace 2504 Mercantile Dr. jlovelace@masterswholesale.com • (916) 997-6728 Rancho Cordova, CA 95742 www.MastersWholesale.com • Fax (916) 669-3894

LEAK DETECTION/PLUMBING

AMERICAN LEAK DETECTION - Monte Routon P.O. Box 525 aldsacto@yahoo.com • (916) 331-6443 Fair Oaks, CA 95628 www.AmericanLeakDetect.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

Happy Holidays ! continued next page

Sacramento Claims Association News Network • December 2017

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SCA/ANN Services Directory continued from previous page

LEAK DETECTION/PLUMBING - CONTINUED

MASTERS WHOLESALE - Mike LaVerdure 2504 Mercantile Dr. mlaverdure@masterswholesale.com • (916) 997-0423 Rancho Cordova, CA 95742 www.MastersWholesale.com • Fax (916) 669-3891

OVERSPRAY REMOVAL

NATIONWIDE OVERSPRAY REMOVAL - 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 CRDN CAPITAL CORRIDOR - Jackie Irrgang & John Philip 1462 Tanforan, Ste F (916) 978-5959 Woodland, CA 95776

CRDN@signclean.net FRSTeam - Mike Jones 910 Striker Ave. Ste E (916) 997-8119 Sacramento, CA 95364 mjones@frsteam.com

PROPERTY RESTORATION/CONTENTS

AMERICAN TECHNOLOGIES, INC. - Barry Metcalf 2965 Ramco Street.

Barry.Metcalf@atirestoration.com • (916) 388-2440 West Sacramento, Ca 95691 Fax (916) 388-2445 BELFOR USA - Grant Cody 3132 Dwight Rd Ste 300 (916) 399-1865 • Fax (916) 399-9388 Elk Grove, CA 95758 grant.cody@us.belfor.com LAWTON CONSTRUCTION - Brett Lawton P. O. Box 6026 www.LawtonConstruction.com • (916) 434-9280 Auburn, CA 95604 866-990-5150 •Fax (916) 434-2590 SERVICEMASTER CLEANING & RESTORATION SERVICES - James Johnson Serving Sacramento (916) 983-8084 Placer & El Dorado Counties servicemastercrs@yahoo.com SERVICEMASTER OF NAPA COUNTY, VALLEJO & BENICIA - Eric Larson/Lynn Fuller Serving Napa County, Vallejo smnvb@interx.net • (800) 648-1608 and Benicia Fax (707) 257-1608 SERVICEMASTER RESTORATION SERVICES - Robert Scott Serving Sacramento rscott@sharjo.com • (800) 480-TIDY Contra Costa & Sonoma Counties www.svmcleaning-restoration.com

WINDOW COVERING

MASTERS WHOLESALE - Jeff Lovelace 2504 Mercantile Dr. jlovelace@masterswholesale.com • (916) 997-6728 Rancho Cordova, CA 95742 www.MastersWholesale.com • Fax (916) 669-3894

Thank You to ALL our Subscribing Advertising Sponsors!

The Sacramento Claims Association News Network© is a production of Association News Network, Inc. Published monthly as a free service to the SCA 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 SCA. We 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. We reserve the right to reject any advertising copy or placement. We encourage industry support of this professional organization - its monthly newsletter publication and web site.

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Please submit articles for consideration by email, to: Bryan Harrison, Publisher Bryan@AssociationNewsNetwork.com • 209.229.8240

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October Wildfire Claims Top $9.4 Billion continued from page 8

vehicles, and 788 losses involving other lines of insurance such as agricultural equipment and watercraft.

Commissioner Jones visited the wildfire zones throughout northern California and met with residents at local assistance centers where he heard first-hand the harrowing stories of loss from victims who escaped with only minutes to spare.

Jones took extraordinary steps to assist wildfire victims by dispatching detectives from the department's law enforcement team to educate residents about how to avoid being victimized by scam artists who prey on vulnerable residents after disasters and sending consumer services teams to every local assistance center to personally meet with consumers and help them begin the claims process and answer insurance-related questions. As of December 1, the department's consumer services team assisted more than 2,000 individuals across the state, the majority of which were in Northern California.

On December 9, 2017, the Department of Insurance will host the Insurance Recovery Workshop for North Bay residents at the Glaser Center-Unitarian Universalist Church in Santa Rosa from 10 a.m. to 4 p.m. The workshop will include department experts and insurers to provide wildfire victims with one-on-one assistance with their specific insurance claim questions. Consumers will also find experts from the Contractors State License Board and FEMA offering assistance, as they work toward recovering and rebuilding their homes and their lives.

Consumers that have any difficulty with their insurer will find the department's consumer services team stands ready to assist at 800-927-4357. The department has recovered more than $300 million dollars for consumers since Jones took office in 2011.

Sacramento Claims Association News Network • December 2017

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Sacramento Claims

Sacramento Claims Association News Network • December 2017

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