Sacramento Claims Association News Network

Volume XXVI â&#x20AC;¢ Number I

www.SacramentoClaims.org SINCE 1994 WITH SCA

P lan now to join us for our annual festive event...

2019 SCA

Winter Gala Wine & Dine Saturday

January 26th, 2019 6:30-10:30 pm @

- see page 7

817 16th St . Sacramento . California

2018 SCA Holiday Luncheon A Treat!

- see page 6

Studio 817

Sacramento Claims Association News Network • January 2019

Sacramento Claims Association 2019 SCA Executive Staff

President

Vice President

Steve Moore

Mathieu Schwartz

Barrish Pelham & Associates a Degenkolb Company smoore@degenkolb.com Education Committee Chair

Hanover Insurance mathieuschwartz@hotmail.com Golf Tournament Chair

Bryan Harrison

Association News Network bryan@associationnewsnetwork.com Communications Chair

Treasurer

Rob Sedgwick

Jim McCurley

RegasGroup andrealatimer@regasgroup.com Social Committee

Baker Tilly Jim.McCurley@bakertilly.com Giving Committee Chair

American Technologies, Inc. robert.sedgwick@ATIrestoration.com Reservations/Membership Chair

2019 SCA Board of Directors Jackie Irrgang Nanette Hay

efi Global nanette.larsen@efiglobal.com Membership/Reservations

Andrea Latimer

Secretary

CRDN of Capitol Corridor jackie.irrgang@crdn.com Social Committee

Ashley Ramsey

Duarte Construction Ashley@duarteconstruction.com Social Committee

Jason Kettlehut

Water, Smoke & Mold Removal jason@watersmokemold.com Social Committee Chair

Tami Umland

Restoration Management Company tumland@rmc.com Social Committee

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Sacramento Claims Association News Network • January 2019

Sacramento Claims 2019 SCA Style! Association News Network

January 2019 Message from SCA President, Steve Moore, PE, CASp

Happy 2019! I hope you had a wonderful Holiday season, and are geared up for moving forward into the new year.

www.SacramentoClaims.org January 2019 • Volume XXVI • Number I

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.”

www.SacramentoClaims.org WATER DAMAGE CLAIMS

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Even as many of us have been super busy helping on claims, much of the world likely stopped and celebrated the holiday season. I do hope you were one of them. I want to thank everyone who came out to our SCA President Steve Moore, PE, CASp December Holiday luncheon meeting. It was great to see a strong turn-out in the midst of the busy holiday season, and the FireHouse Restaurant was a fun change of pace for us all. The Charitable Giving aspect of the SCA is something we can all take great pride in. Efforts are still being pursued by our Giving Committee Chair, Jim McCurley, on the best way to contribute funds to victims of the Butte County Camp Fire. We will keep you posted on that as we go. Final details for the annual SCA Winter Gala event are quickly coming together. The event will be held Saturday, January 26, 2019, back at Studio 817 in Downtown Sacramento. The phenomenal Jason Kettlehut and his Social committee, including Tami Umland, have been working diligently to ensure this will once again be a fantastic event! We are pleased to present longtime SCA Board Member, Jack Corry, with special recognition at this event, and look forward to a nice crowd to help us celebrate our “Wine & Dine” theme. For more information about the Winter Gala, and to purchase, tickets please visit the SCA website at www.sacramentoclaims.org. I am looking forward to spending another fun evening with all of you! The SCA annual Membership drive is currently in full swing! If you are an existing Member, you need to make sure and get your dues in for 2019 so you can attend the Winter Gala and the Golf Tournament. If you are considering becoming a new Member of the SCA now would be a perfect opportunity! We will bring it all together at our March “Membership Madness” cocktail reception at Blue Cue March 14th. Votes are in, and the 2019 Officers are set (see page 2). We have a quality team of board members who do a tremendous job. In the event you might have interest in serving, please reach out to me, or any of the board members, and let us know. We may be able to add you in. We have what is sizing up to be a very active agenda in store for the coming year. I encourage you all to show up, stay involved, and make the Sacramento Claims Association part of your professional life. See you on the 26th!

Steve Moore

Steve Moore, PE, CASp 2018 SCA President

c: 916.502.7633 www.barrish.com • smoore@degenkolb.com Barrish Pelham & Associates, a Degenkolb Company

People On The Move

Sacramento Claims Association News Network • January 2019

Go Mini’s of Sacramento Launches New & Efficient Contents Storage Option

An aspect of the property restoration process that has grown in recent years includes portable moving/storage containers for contents inventory pack-out. Firms in the greater Sacramento Valley now have a new, innovative and responsive solution to assist with convenient and organized contents management. Go Mini’s of Sacramento, CA is pleased to announced the launch of their new operation, tailored specifically to meet the needs of the restoration claims industry. Go Mini’s of Sacramento, CA is a woman-owned franchise operation, serving the Sacramento Valley and beyond. Ms. Zarifa “Eva” Hanifi, who attended her first Sacramento Claims Association event at the Holiday Charitable luncheon, is excited to bring this needed service to the area. “We considered numerous options before deciding to launch with Go Mini’s,” Eva explained. “The quality of product, and the service we are able to provide, ultimately, is what made me decide to go this direction,” she said. “With Go Mini’s, we offer wholesale pricing and are Xactimate-friendly, with compatible container and transportation codes. We prioritize delivery and pick-up for the industry, and offer multiple size options, including 20 foot units,” she said. Go Mini’s Moving & Portable Storage has been making waves nationwide for their quality of product - including padded wheels on the containers to protect property. Organized billing practices make working with Go Mini’s a clear choice, too. A native of Afghanistan, originally, Eva fled with her family at the age of 4; at the outset of the Russian invasion of her country. “We managed to escape even as there was a fire fight happening on our rooftop,” she said. “We were really lucky.” She was raised in Frankfurt, Germany, where she lived with her parents and three siblings for 25 years. Eva said her family traveled extensively, spending Summers often in nearby Italy. She met her husband, Aaron Kurukhi while attending flight school in Toronto. “It’s a dream of mine to be a pilot,” she shared. Aaron lived in Virginia at the time. At Eva’s mother’s request, he flew to Germany to meet her family, and there asked her parents permission to propose marriage to Eva. “My family all loved him from the start,” she said. The whole family traveled back to Afghanistan for their wedding, along with her sister’s wedding 10 days later. Eva and Aaron were married July 7, 2007. “My sister had originally planned for 7/7/07, but when we decided on that date she moved her’s to 7/17/07. Everyone was able to stay for the ten days and two weddings,” she said. Now, a mother of three young boys of her own, Eva says she plans to one day adopt a young afghani girl to raise in a more western tradition. “Girls are just now starting to be able to do more in my home country,” she said. “But, I would really like to be able to bring a young girl here to know that she can live truly free.” Eva expressed that she still believes in the “American Dream”, and knows that, as an entrepreneur, she can build the life she wants for herself and her family. Just since starting her new business, Eva has already established relationships with some of the most well-established restoration firms in the area.

“Being flexible and responsive, as we are, has already helped us build business,” she said. “We were recently able to deliver a unit in French Camp, near Stockton, when no one else could, which helped our client get the job done promptly,” she stated, by example. Standard coverage is within a 50 mile radius around Sacramento, but Eva said “we will go where we are needed.” New on the scene, Eva is excited and anxious to become more involved with the Sacramento Claims Association, and the industry, generally. Say hello at the Winter Gala January 26th. Eva Hanifi, owner of Go Mini’s of Sacramento, CA, may be reached at: 916831-7447, or on her cell - 916-280-1525, and by email: eva@gominis.com.

Eva Hanifi, owner of Go Mini’s of Sacramento, CA, with her husband, Aaron Kurukhi, and their three sons.

Sacramento Claims A s s o c i a t i o n 2019 Schedule of

Upcoming Events January 26, 2019 Annual Winter Gala Studio 817 - see page 7

March 14, 2019

August 27-29, 2019 26th Annual CCNC Squaw Valley, Lake Tahoe www.ClaimsConference.org

March Membership Madness Blue Cue - Cocktail Party

September, 2019

April 11, 2019

October 10, 2019

May 17, 2019

December 12, 2019

Educational Luncheon Meeting Annual SCA Golf Tournament Turkey Creek Golf Course, Lincoln

June 13 2019

SCA Social: Tequila Museo Mayahuel

July 2019

SCA Family Night @ The RiverCats

SCA Luncheon Meeting

SCA Top Golf Adventure

Holiday Luncheon Gathering

January 9, 2020 SCA New Year Kick-off Luncheon Meeting

Updates at: www.SacramentoClaims.org

Sacramento Claims Association News Network • January 2019

Special Lifetime Achievement Presentation for Jack Corry at January 26, 2019 SCA Winter Gala

Jack Corry, now former owner of Water Smoke & Mold Removal in Sacramento, will be recognized by the Sacramento Claims Association Board of Directors with a Lifetime Achievement Award at the annual SCA Winter Gala January 26, 2019. Jack Corry’s achievements in the property claims insurance restoration industry extend back many years. After a successful career in communications and consulting, Jack began his restoration life as a franchise owner before opening his own independent business, Water Smoke & Mold Removal in 2007. Jack founded and built his emergency property damage clean up company through service to the insurance and property management industries. His experience in communications helped him establish a network with claims associations, realty property managers and rental housing associations to build and maintain customer relationships.

As a member of the Sacramento Claims Association, Jack served on the board of directors from 2014-2018. He also represented the SCA on the Claims Conference of Northern California planning committee, where he served as President in 2015. In recognition of a tremendous career in the Claims industry, and as an honored long-time Board Member of the Sacramento Claims Association, and Past President of the Claims Conference of N. California, join the SCA in celebrating a Lifetime Achievement award for Mr. Jack Corry at the 2019 SCA Winter Gala event.

Sacramento Claims Association

2019 SCA Membership! Join/Renew for 2019 NOW!

Annual Membership earns discounts, includes priority privileges and helps fund the organization The Sacramento Claims Association Membership Committee would like to encourage you to join and/or renew your annual membership to the association. Member 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. “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 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 Jump On-Board NOW! $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. Go to www.SacramentoClaims.org

Sacramento Claims Association News Network • January 2019

2018 SCA Holiday Luncheon A Treat! By Bryan Harrison, Association News Network

SCA President Steve Moore and Social Committee Chair Jason Kettlehut

December 13, 2018 SCA Holiday Charitable Giving Luncheon gathering OLD SACRAMENTO, CA — The annual Sacramento Claims Association Charitable Giving Holiday Luncheon, held Thursday, December 13, 2018, was moved downtown to The Firehouse Restaurant in Old Sacramento. Always a special event, this year's celebration took things up a notch. A good sized crowd filled the low-ceiling basement banquet room with ample seating and a festive tone all about. SCA President Steve Moore welcomed everyone and made note the anyone interested in joining the current SCA Board of Directors would be encouraged to inquire with him. He then gave some accolades to Social Committee Chair, Jason Kettlehut, first for his work on the October SCA Top Golf Adventure, and secondly on the upcoming annual Winter Gala January 26, 2019. Jason spoke briefly about the big new year's party, and stated folks should be looking for info on the web site. (2019 SCA Winter Gala).

Long time SCA Treasurer, Jim McCurley, is also now the Charitable Giving Committee Chair. Jim gave good mention and praise for the work of the FireFighters' Burn Institute, to whom the association donated at the annual Golf Tournament this past May. He also mentioned some of the other charitable organizations the SCA has contributed to in recent times. He then put it to the group for input for thoughts, ideas and preferences as to worthy places to contribute. The organization has money to give, and he wanted to be sure the members had a say in the process. Results of that decision will be announced soon. The annual Food Drive generated 281 pounds of food for the Sacramento Food Bank, as well. A delicious lunch was enjoyed by all, with a good amount of time left for visiting, as well as various raffle prizes.

SCA Treasurer and Charitable Giving Chair Jim McCurley at the December 13 Holiday Luncheon

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Sacramento Claims Association News Network • January 2019

SCA 2019

Winter Gala Join the Sacramento Claims Association for a memorable evening of elegance, fun, music and dance, as we present our 2019 Winter Gala! Dinner • Dance • Music Adult Beverages • Prizes

Where: Studio 817, Downtown Sacramento 817 16th St, Sacramento, CA 95814 Attire: Semi-Formal to Formal When: Saturday, January 26, 2019 6:30pm - 10:30pm

Join the Sacramento Claims Association for a very special “Wine & Dine” evening Saturday, January 26, 2019 at Studio 817 as we celebrate with our Annual Winter Gala. The night will include wine pairing, choice of entrée, dessert, music & dancing, and more. The evening will also be an opportunity for the association to thank retiring board member, Jack Corry, for all his years of service to the organization and the industry. Please register to attend and/or sponsor on our site:

www.SacramentoClaims.org

$160 per couple attending $95 solo attendee Sponsorship Options on our site Special Honoree: Longtime SCA Board member, Jack Corry, who recently sold his business and retired! Parking: Toll Parking lot behind and side of building, as well as on the street in front Downtown Hotels: Sheraton Grand Sacramento, Hyatt Downtown Sacramento, The Citizen Hotel

Sacramento - 916.418.9100 Truckee - 530.562.4266 Pleasant Hill - 925.273.7663

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Cause/Origin Investigations Foundation Failure Structural Analysis & Assessments Upcoding & Betterment Subrogation Claims Scope & Damages Reconstruction Documents

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Sacramento Claims Association News Network • January 2019

Supreme Court denies review of decision upholding Fair Claims Settlement Practices Regulations LOS ANGELES, CALIF. — After a decade of legal wrangling over the regulations that implemented the Unfair Insurance Practices Act (UIPA), the California Supreme Court let stand the decision of California Court of Appeal, 4th Appellate District, upholding the Insurance Commissioner’s Fair Claims Settlement Practices Regulations, which prescribe how insurance companies must process insurance claims. The regulations are the foundation in determining the number of violations committed when assessing fines against insurers that have committed unfair claims practices. Department of Insurance examina-

tions of PacifiCare’s claims-handling uncovered evidence of numerous unfair claims practices-which included wrongful denials for life-saving treatment for people battling serious illness and claim payment denials for providers and hospitals-all because the insurer was focused on maximizing profits through what it called “efficiencies” after the 2015 botched $9 billion acquisition of PacifiCare by UnitedHealthcare. The Department examinations also uncovered evidence the company was well aware of the egregious issues. Under the Insurance Code, these unfair acts or practices include

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misrepresenting what medications or treatments an insurance policy covers, failing to promptly pay claims where liability is reasonably clear, and forcing claimants to file

Based on departmental examination results and following an administrative hearing that took three years, Insurance Commissioner Dave Jones found PacifiCare committed 908,547

The Insurance Code allows the commissioner to impose fines of up to $5,000 each time an insurer commits an unfair act or practice on a consumer, or up to $10,000 each time if the insurer did so willfully. lawsuits to get full payment, and other acts. The Insurance Code allows the commissioner to impose fines of up to $5,000 each time an insurer commits an unfair act or practice on a consumer, or up to $10,000 each time if the insurer did so willfully. “UnitedHealthcare purchased PacifiCare and imposed cost-cutting measures that destroyed PacifiCare’s claims-handling processes. Its arguments in litigation that insurance companies should be allowed to willfully harm consumers as long as they don’t do it too often, reflect a gross disregard of the lives and wellbeing of the consumers who paid for the promise of coverage,” Commissioner Jones said. “Customers have no choice but to rely on the integrity of their health insurance companies. PacifiCare breached that trust. By any measure, 908,000 violations reflect a general business practice of violating consumer protection laws. “I am delighted the Supreme Court has rejected further challenges to the insurance commissioner’s authority to punish insurance companies for knowingly harming even one consumer.”

separate violations of the UIPA, and he imposed fines aggregating $173,603,750 in penalties. On behalf of PacifiCare, UnitedHealthcare sued the commissioner, arguing that none of its harmful conduct violated the Insurance Code. PacifiCare argued that insurers are immune from fines for committing these unfair acts, even if the insurer did so intentionally, unless the commissioner is also able to show that the insurer knew it had committed the acts frequently enough to constitute a “general business practice.” The court of appeal rejected the argument, stating: “PacifiCare’s interpretation of section 790.03(h) is not only internally problematic, it stands in contrast to virtually every other statute the Legislature has enacted in connection with: (1) enforcement of the Insurance Code against insurers generally; (2) enforcement of the UIPA in particular; and (3) the imposition of administrative penalties against insurers in other contexts.” The court also rejected PacifiCare’s argument that the commissioner must prove an insurer had “actual knowledge” of its illegal conduct and held that it was within the commismore DOI page 10

Sacramento Claims Association News Network • January 2019

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 P.W. STEPHENS ENVIRONMENTAL, INC. - Tossa McComb 1588 Santa Ana Ave. www.pwstephensinc.com • (916) 565-1700 Sacramento, CA 95838 www.pwsei.com

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 RESTORATION COMPANY - Jason Haldeman P.O. Box 4244 www.hcbuilders.com • (530) 885.8085 Auburn, CA, 95604 jason@hcbuilders.com • Fax (530) 885.8985 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

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. EFI GLOBAL - Michael OConnor, P.E. Civil, Structural, Electrical, (916) 640-0640 Mechanical, Fire O&C, Repair Plans www.efi-global.com

ENVIRONMENTAL TESTING & CONSULTING

ENVIRONMENTAL SCIENCES SERVICES - Shane Jones PO Box 452 (916) 417-5361 Lockeford, CA 95237 envss1ca@gmail.com 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.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 MASTERS WHOLESALE - Mike LaVerdure 2504 Mercantile Dr. mlaverdure@masterswholesale.com • (916) 997-0423 Rancho Cordova, CA 95742 www.MastersWholesale.com • Fax (916) 669-3891

MOVING / STORAGE

GO MINI’S OF SACRAMENTO, CA - Eva Hanifi Moving • Storing • Restoration eva@gominis.com • (916) 538-5813 Greater Sacramento area cell: (916) 280-1525

OVERSPRAY REMOVAL

NATIONWIDE OVERSPRAY REMOVAL - Eric Gerencser Benicia, California www.overspray.net • (925) 408-5909 Safe Overspray Removal eric@overspray.net • (800) 345-1269

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

continued next page

Sacramento Claims Association News Network • January 2019

SCA/ANN Services Directory continued from previous page

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

PROPERTY RESTORATION-CLOTHING SPECIALISTS FRSTeam - Mike Jones 910 Striker Ave. Ste E Sacramento, CA 95364

- continued

(916) 997-8119 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 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 WATER SMOKE & MOLD REMOVAL - Jason Kettlehut 4095 Delmar Ave Suite #7 info@watersmokemold.com • (916) 779-3946 Rocklin, CA 95677 www.WaterSmokeMold.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! Deadline for submissions for the February 2019 issue is Friday, January 25 The Sacramento Claims Association News Network© is a production of Association News Network. 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. 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.

Go to: www.SacramentoClaims.org

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

continued from page 8

sioner’s authority to hold the insurer responsible if its agents or employees were aware of facts that would cause a reasonable person to know of the violations. The court also found the commissioner’s reasoning was sensible in that restricting the definition of “knowingly” to one particular individual’s actual knowledge would fail to take into account that many people handle a claim, and an unfair practice can be committed by cumulative acts, not simply the intentional act of one person.” Further, the court of appeal also upheld the commissioner’s interpretation that an insurer’s “willful” violation of the act may be established by showing a purpose or willingness to commit the act, and agreed that

penalties for willful violations do not need to require a showing that the insurer intended to violate the law or injure someone. The court held, “As the Commissioner points out, he engaged in an extensive, formal rulemaking process in the course of promulgating these regulations. That careful consideration, combined with the Commissioner’s expertise in the area, weighs in favor of according significant deference to the Commissioner’s interpretation of the terms, and we do so.”