Insurance, the most boring subject on the planet. But what's not boring...a claim, especially when it's YOUR CLAIM. It can be overwhelming and frustrating. Public Adjusters, Independent Adjusters, Staff Adjusters, Field Adjusters...who are all of these people? How do I know if I have damage? I have damage and it's not covered, what do I do? I have damage, it's covered, but I didn't get any money? What is this "Assignment of Benefits" that you speak of? 2017, Harvey, Irma, Maria....the year of Hurricane Hell, has left many insureds wondering these same questions. Tune in to Rhonda and her guest, Donna Carpenter, Independent Adjuster, to understand the claim basics for any claim and how to get a grasp on your hurricane claim.

CYA with Rhonda

To claim or not to claim...a hurricane

CYA with Rhonda 02/09/18

Ever wonder why you have mold in certain areas of your home? Ever wonder what caused that leak? Ever wonder why your foundation is cracking/sinking? Is any of this covered under my policy? Join us on today's show as we speak with Bob Thomson, P.E. with Tri-Tech Engineering to help you understand what causes these damages, how to prevent them and help you understand potential coverage under your policy for these losses.

Got Mold?

So your claim is covered. Good for you! But do you know what you are really owed? Your policy may or may not cover 100% of what it costs to repair the damages. The damages may cost $10,000, but you only received a check for $6,000. How do you recover the rest of the money? Are you owed that money? What can you do with the money you already received? Listen in to this weeks show to find out more about how to cover your damages at 100%, how your claim gets paid, and how to make the most of your property settlement!

What are you REALLY owed when your claim is covered?

Your a good person. You pay your premium. You submit a claim. Why is SIU (Special Investigations Unit) showing up at your door? Sometimes when you submit a claim you will not only be working with the adjuster assigned to handle your claim, but you may also be speaking with an investigator. Claims sometimes have questions and answers are needed. When a Special Investigator shows up to your door do you know what he/she may ask? Do you know if you have to cooperate? What are you required to tell them? Why is he/she asking me for this information? Listen in to this weeks episode as we talk more about Special Investigations with our guest, Dave Chipps of Chipps & Associates.

Special Investigations showed up at my door. Now what?

Everyone makes New Year's resolutions: I'll cook healthier; I'll stop smoking; I'll drink more water; I'll work out; I'll read more. All of these resolutions are designed to improve our lives and they are great. Wouldn't it be great if our home could make resolutions, too? I won't catch on fire; I won't flood the basement; I won't lose shingles; I won't drop wet ceiling drywall on the couch. Our home can't make these resolutions, but we can make a resolution to help protect our assets. Listen in as Rhonda Lukie and Donna Ingram talk about how to protect you, your family and your home in 2018.

New Year's Resolution: Keep My Assets Safe

Did you ever wonder what it was like to be an Adjuster? Are you looking for an exciting career? Did you ever just just want to know exactly how insane Adjusters really are? Believe it or not, Adjusters are the people who care and are there to help you. Listen in to this week's episode to hear what it is really like to be an Adjuster. Get a feel for the daily life of an Independent Adjuster - the good and the bad. We don't sugar coat it, and we explain how it can be an exciting, flexible, and profitable career.

So you want to be an adjuster...welcome to the insanity!

It's an Insurance Policy, also known as a contract. It is also a promise. Unless you are knowledgeable about your insurance policy and the claims process, you may be missing out on the promises that are made to you under your insurance policy. Although we all hope we never have a claim, odds are you or someone in your family will make a claim. Do you know what YOUR duties are under your policy? Do you know what THEIR duties are under the policy? To ensure that your claim is properly investigated for coverage, and when coverage is afforded, paid promptly, listen in to this week's guest, John Silverfield, Esquire with Holmes Kurnik. John and Rhonda will discuss researching a good carrier, what to expect when you turn in a claim, and what the duties of the carrier are when investigating your loss to ensure that they keep their promise.

Even Attorneys Are Needed Sometimes

CYA is a radio program about insurance for the everyday insured, designed to inform you about loss prevention, what insurance covers, what is not covered, what to do when you have a loss, what to expect, and understand how to get policy coverage for what you need, not what you believe you have. We’ll also speak to those starting out in their careers and explain how being involved in the insurance industry is one of the most exciting careers to have. Rhonda Lukie helps educate people to protect themselves under their policies. She provides a new outlook to someone looking for a career. Do you know what your policy really covers? Find out on CYA with Rhonda.