Am I High Or Is My Stash Covered?

blog-image_2014-10-22Enservio customers have been asking: so what is the appropriate response to contents coverage pertaining to cannabis loss? Cannabis plants are valuable, and theft is not uncommon.

To follow ISO standards, the loss of a cannabis plant would typically amount to a $500 settlement. That’s what ISO standards cover for loss of “plants, trees and shrubs.” But these are not normal plants, and a lawsuit could certainly ensue. Insurers nationwide ought to be prepared to address these issues.

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How Much is that Card in the Window?

tradingcardblogAs the 2014 football season kicks off, collectors around the world are actively trading Seattle Seahawk quarterback Russell Wilson logo patches cards, jerseys and other related memos. The unlikely Super Bowl champions hammered a crushing defeat to the favored Denver Broncos, 43 to 8. It was the largest point differential in 21 years. When it comes to sports, numbers matter. Where would sports be without its love affair with statistics? Continue reading

Making it Right: Get in the Bathroom

Dorothy - Wizard of OzEveryone remembers the scene in the Wizard of Oz movie where Dorothy steps out of her house after the terrifying tornado to see….Oz.

Imagine a more chilling scenario where you step outside your home into the aftermath of a twister to see…nothing.

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The Trouble With Long Weekends

The trouble with long weekends is that the longer they are, the more work tends to build up while (or IF) you have a chance to step away from it.  Claims don’t take vacations, and if anything, there is typically an uptake of them during holiday periods.  Propane grills that go “boom,” golf bags looted from the links, and forgetting the expensive digital camera at the festivities are not uncommon events; all which equate to more claims on your desktop, come Monday morning.

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On the Scene with an SOS Property Specialist

I’ve always thought the role of our Service on Site (SOS) team was one of the more challenging jobs in the company – now I have new appreciation for the team after physically walking a claim with SOS team member, Sean Johnson.

The claim site was a residential house that had been deemed a total loss from a recent office fire – fortunately, no one was hurt and the family dog and two cats continued to roam the property. I arrived on Sean’s second day on site – he’d already spent the first day working with a Public Adjuster (PA) there to verify a couple of rooms that had been burned from site.

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The Value in Stolen Art

A homeowner returns after an evening out and finds that her home was robbed. Among the many items missing is an expensive piece of art passed down for several generations in her family. After filing a police report and a claim with her insurance company, the insurance company contacts an appraiser to help them determine the value of the painting at the time of the loss so that their insured can be paid. In my career as a fine art appraiser at Enservio Select, I am often presented with these circumstances. Arriving at a value is just one part of the service we provide. I will also complete a brief search to make sure the work was not previously stolen. The implications of previously stolen work are far reaching and, if not discovered, can financially affect both the insured and the insurance company. Continue reading