Specialist Loss Assessors & Insurance Advisory Service
Lyon Felton is a specialist multi-discipline advisory service.
With decades of experience covering many different aspects of insurance, Lyon Felton operate under the guidance of 3 senior consultants and possess a wealth of knowledge including policy arrangements, damage assessment and claims management via our loss assessors advice centre.
In addition, Lyon Felton can carry out major incident appraisals and loss prevention advice. Lyon Felton occupies a unique position in a highly competitive insurance market as a result of its commitment and core values. A lot of insurance providers believe that “bigger is better”.
However, Lyon Felton has a clear commitment to quality service provision rather than generating large volumes of transactions. In this way, Lyon Felton cultivates long lasting, trustful relationships with its clients. This is achieved by clear setting of objectives, clear and concise ongoing communications and the kind of attention to detail that result in more knowledgeable decision making and positive outcomes for clients.
Lyon Felton strives to exceed its clients’ expectations by the provision of a bespoke insurance advisory service and a cost effective insurance claims consultancy by leveraging the skills and experience of its team of qualified expert professionals and loss assessors. Lyon Felton is an independent consultancy that operates across the UK.
Top notch personnel together with a culture that encourages claims handling excellence is key to Lyon Felton’s success. Lyon Felton stay ahead of the game by attracting and retaining quality loss assesssors and claims professionals by ongoing training and continuous professional development, “hands on” development programmes and modern insurance claims management processes.
Lyon Felton have the commitment, talent and experience to help you with your next insurance claims issue.
Bert Phillips – Senior Consultant
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3 Reasons To Hire An Insurance Loss Assessor
This article first appeared in a US property law blog under the title “Three Reasons to Hire a Public Adjuster”, see it here: http://www.propertyinsurancecoveragelaw.com
In the UK, public adjusters are normally referred to as loss assessors.
Not long ago, I was attending a deposition when the insurance company’s lawyer questioned my client about why he had hired a public adjuster.
The non-verbal reaction of my client spoke volumes. With wide eyes, he leaned closer to the attorney and explained that his world was turned upside down the day of the loss and he was not just completely overwhelmed by the destruction to his home, but, more than that, he was concerned for the wellbeing and care of his family. He knew he needed professional assistance because of the magnitude of the loss and his experience in dealing with his insurance company on a prior loss.
As more was learned about the circumstances of the loss, the sincere appreciation and respect the insured held for his public insurance adjuster was clear. At the time of the loss, he had more questions than answers and did not know where to turn until he hired his public adjuster.
Recently, I came across a blog written by KDhulkonen criticizing homeowners and cautioning against hiring public adjusters. The post, 3 reasons not to hire a Public Adjuster, lists three of the author’s opinions about public adjusters. However, insureds should not be discouraged from hiring a PA.
KDhulkonen’s Reason 1: Maximizing Settlement
KDhulkonen asserts “Homeowners adjusters pay whatever it costs (less deductible) to get your home and your personal property back to the way it was prior to the loss. This is really not an item in which a public adjuster can ‘maximize’.”
The author correctly quotes the principle of insurance, but the author provides no authority to support his assertion that seems to state that all claims are handled properly by insurance companies. This is an overreaching statement. If this information was correct, I doubt that public insurance adjusters would have a profession. However,there is data in Florida that shows the use of a public insurance adjuster does increase the final amount of the claim payments. I discussed this data and the OPAGGA report in my post “Public Adjusters and Sinkhole Claims.” The claim payment increase referenced in the OPAGGA report, however, is not limited to insureds who hire public adjusters for one particular kind of claim. Several insureds have explained that, but for the assistance of their public insurance adjuster, they would not have received the amount of their claim payment for their loss.
KDhulkonen’s Reason 2: The PA is paid a percentage of your recovery
Yes, a public adjuster is paid for his or her services. I don’t think homeowners are usually surprised or against paying for a professional to assist with the claim. Many public adjusters who assist claimants are paid on a contingency fee basis only, meaning, the insured is not paying an hourly rate for the services or having to pay any money for the services to begin. When an insured pays a public adjuster a small percentage of the claim payments collected by the PA or ultimately recovered, the PA can get started helping right away and should work diligently because he has a desire to see you get properly paid for your claim so that he receives payment for his services. If a public adjuster is wrong or doesn’t work hard to obtain a payment, he likely will not be paid. If this happened with great frequency, the work of public adjusters would be extinct.
KDhulkonen’s Reason 3: The Grief of the Claim
KDhulkonen argues that the grief caused to homeowners is not caused by the insurance company’s actions but by the traumatic loss itself.
No one doubts that damages to a home cause stress and grief to the homeowners. These difficulties are only compounded when a claim is not properly handled and the insured feels the insurance company is not standing behind the promises in the policy. Because a claim can be emotional for insureds, many policyholders hire help with their claims and the emotional burdens.
Other readers also pointed out why public adjusters are necessary-
Insurance expert said:
A public adjuster is licensed in the state they do business in by the State Dept. of Insurance. I have known several people that have suffered major fire, water and wind losses that received a huge recovery from their insurance policy verse what they might have gotten by not using a public adjuster. HIRE A PUBLIC ADJUSTER IN EVERY MAJOR INSURANCE CLAIM!
Another reader explained the need for representation by a PA:
Public Adjusters exist because of the inherent conflict of interest that exists when one person or entity attempts to represent two sides of a financial transaction…
If you have suffered a property loss to your home or business and are considering hiring a public insurance adjuster to assist with your insurance claim, you can rest assured that if you do a little research, you can likely find a public adjuster who will help you. As the PA will likely be paid a contingent percentage of your claim, the PA will work to increase the amount of the payment you are rightly owed from the insurance claim. Further, the PA will take over dealing with the insurance company and at least relieve part of your stress.
Sometimes Insurers Haggle About Paying
This is a story from a long time ago, taken from this website www.badfaithinsurance.org.
It is a story that has long passed into history but some of the methods used by insurance companies to try and minimise the amount of cash they have to settle a claim for are still in operation today. Names of individuals and organisations have been changed to protect anonymity.
In A US state — where property insurance is a $2.3-billion-a-year industry — companies face virtually no serious punishment for such tactics. Not in the courts. Not at the state agency that regulates the industry.
A free press investigation has found that some insurers delay or refuse to pay property claims with little justification; skirt the truth in court; or wrongfully offer less than they know a claim to be worth to customers desperate for cash.
A full accounting of these tactics remains difficult because the A US state Office of Financial and Insurance Services will not grant public access to the thousands of complaints it receives annually.
Industry officials counter that despite the complaints, misconduct by companies is rare. They say claims are generally denied because the policy clearly excluded coverage, or because fraud is suspected. And they say that proposed laws making it easier to sue insurers would force them to settle bad claims, costs that would be passed on to other policyholders in higher premiums.
“For the millions of people who are happy with their insurers, we don’t think they want to pay more for insurance,” said Frank Waldenstein, president of the A US state Insurance Federation, an industry group. “And the few people who are unhappy, for the most part, are unjustified in their position.”
Consumers with legitimate claims have little protection under state law. A US state is one of only a handful of states where insurance companies are shielded from serious financial penalties when a court finds they have not fairly settled a claim. Policyholders can’t even recover their lawyer’s fees. And recent legislative efforts to impose harsher penalties, including punitive damages, have gone nowhere.
State insurance regulators offer little help. They rarely conduct formal investigations into consumer complaints, the Free Press has found.
“The insurance companies are holding all the cards,” said Sen. Karen Donal, who has listened to scores of consumers complain about company practices and lax government oversight at hearings across A US state.
“There is no downside to them contesting payment of a legitimate claim because the most they’re on the hook for is the cost of the claim,” she said. “No other damages are assessed, and they can drag these cases out for years so people are forced in desperation to accept less than they are due.”
A US state Insurance Commissioner Richard Evans denied his office goes easy on insurers.
“I don’t think there is a message out there that insurance companies feel they can act with impunity and be insulated from any consequences,” he said.
But lawsuit records and more than a half-dozen legislative hearings offer a window into industry tactics consumer groups call routine: a reluctance to settle valid claims and a tendency among some insurers to turn the heat on policyholders, making accusations when they should be making payment.
Into the fire
When an electrical fire engulfed Claude Gregory’s custom-wheel shop in 1998, he had no idea he’d need a lawyer.
In fact, he felt lucky. At the urging of his agent, Gregory had upped his coverage from $40,000 to $200,000 a few years earlier.
“I just thought I’d let the insurance company take care of me and see how quickly I could be back in business,” Gregory recalled.
Gregory hired an adjuster, who put the fire damage at $181,000.
His insurer, Homely Car Assurance Co., had a more conservative estimate: $27,000.
Homely Car would not discuss Gregory ‘s claim. There was no suggestion the fire was arson. In court papers, Homely Car said its offer reflected the store’s market value in Detroit.
Gregory was incredulous. He wondered why he was urged to buy a $200,000 policy when Homely Car had no intention of paying more than $27,000.
Last year, a county mediation panel awarded Gregory $168,000 — six times what Homely Car originally offered. Homely Car agreed to pay in September 2000, more than two years after the fire.
The money barely covered the building’s repair, he said. And $60,000 of it went to pay legal expenses. The result was crippling.
In February, Gregory sold the business for $150,000, he said. “I’m so glad I got rid of that place,” he sighed. “It got so I couldn’t pay the bills.”
Waiting for payment
Consumer advocates complain of a double standard in insurance disputes. While policyholders who inflate their losses are routinely prosecuted for fraud, companies can lowball customers with little repercussion. Last year, state probes led to 2,123 insurance fraud convictions nationally, according to the Coalition Against Insurance Fraud, a Washington-based industry group.
But criminal probes of insurance companies that short change customers are virtually nonexistent, said Stan Scott, an attorney who specializes in suing insurers. “And so the companies end up holding the money — you’re not — and they’re earning interest on it,” Scott said. “They have such leverage to inflict economic pressure, and to decide if and when you get paid.”
When a fire destroyed the home of Lorna Jones in January 1998, she — like Gregory — waited years for payment.
Peter Davids, an Important Insurance Co. claims representative, initially ruled the damage exceeded Jones’ $47,000 policy.
But his boss said that estimate was too high. So Davids reduced it over the next five months to $42,600, then to $26,600, internal company memos show.
So what was his first settlement offer to Jones? It was $14,000 — later upped to $18,600.
When Jones sued the following year, Davids admitted that his insurance company offered her less than he knew the claim to be worth.
“So, you saved your company money by negotiating a loss at less than the value you knew it was worth. Is that correct?”
“Correct,” Davids smiling admitted in a deposition.
“I do it all the time, yes,” he added. “That is a negotiation.”
But that is not how insurance is supposed to work. In most states, knowingly offering less than a claim is worth violates an insurance company’s legal duty to treat customers fairly, said Georgina Towne, a University of A US state law professor and expert on insurance law.
“That might be considered bad faith and might very well lead to punitive damages,” Townesaid. Noting that A US state does not allow punitive damages, she added, “When you don’t have punitives, this kind of behavior doesn’t get checked very well.” A US state does have an unfair trade practices law which forbids insurers from knowingly low balling customers. But under the law, only state regulators can take action against a company, consumers can’t. And while the law allows the state to strip an insurer of its license, it has never done so on a property claim.
While Important Insurance Co spokesman Jeff Dennis would not discuss Jones’ case, he said that the Important Insurance Co does not underpay claims.
“There will always be individual cases that are not handled as efficiently as we would like,” Dennis wrote in an e-mail. But Important Insurance Company “approaches each claim with fairness and objectivity in order to pay the right amount.”
In Jones’ case, Important Insurance Company looked into linking her to the blaze, which fire department officials called “suspicious,” but Important Insurance Company definitively called arson. Ultimately, Important Insurance Company found no evidence tying her to the fire.
In his deposition, Davids, who declined to speak to the Free Press, detailed Important Insurance Company’s efforts to “pin” the fire on Jones. In one internal memo, Davids, in discussing ways for Important Insurance Company to avoid paying the claim, wrote: “I don’t feel we can implicate the insured in any way to the arson. Only way we could would be if someone rolled over and said she told them to do it. I don’t think this will happen.” In May, Important Insurance Company privately settled her claim before trial — more than three years after the blaze.
Arson charge unproven
Jones is among dozens of people who’ve complained — at public hearings or in lawsuits — of being falsely accused of arson.
One of the accused was Walter Arnold, whose party store in a high-crime area burned to the ground on Feb. 21, 1997.
There is no doubt someone set the blaze — gasoline was everywhere. But there was no evidence Arnold was the culprit.
Still, Another Big Insurance Co. blamed Arnold. Its proof?
According to its files, the company had little. Arnold had no debt. And he’d recently bought a home in the neighborhood.
“I worked, I lived by the store, and I supported my children,” Arnold said.
In May 1997, three months after the fire, a Big Insurance investigator wrote: “We have no real evidence to implicate the insured. Let’s go ahead and pay this claim.”
Then, in June 1997, this memo: “We can find no obvious motive which would encourage the insured to commit arson. Based on a preponderance of the evidence, we cannot argue the defense of this case to a jury.”
By November 1997 — nine months after the fire — Big Insurance still hadn’t paid the claim despite another internal memo that said: “We can find no apparent motive by the insured to commit arson that can be proven.”
Still, no money.
By the following year, Arnold was furious. On July 1, 1998 — 17 months after the fire — an adjuster for the insurance company reported that Arnold entered his office demanding payment. “He was somewhat threatening, and I had to request that he leave,” the adjuster wrote.
In January 1999, the company denied the claim, citing insufficient documentation of his losses, among other things.
Arnold filed suit to recover on his $115,000 policy. Big Insurance accused him of arson and fraud.
By March 2000 — three years after the fire — Big Insurance ‘s adjuster still could not prove arson.
“I have no evidence,” the adjuster said in a deposition.
The case was settled last year for $90,000. Big Insurance ‘s attorney, Phil Raymond of Bloomfield Hills, defended the delay, saying it takes time to properly investigate an arson, interview witnesses, and litigate a dispute once it goes to court.
While Raymond conceded there was no “smoking gun” tying Arnold to the fire, there were red flags. Arnold’s store revenues were in decline, Raymond said, and there’d been four previous fires, fires Arnold said were not uncommon in the drug-infested neighborhood. Moreover, Arnold was the last person seen at the store in the hours before the blaze, and there was no sign of forced entry.
Big Insurance settled, Raymond said, because it “didn’t want to throw good money after bad” at a trial.
For Arnold, the delay was ruinous. Even now, he said, he has yet to turn a profit at a new store. And much of the settlement — about $37,000 — went to legal bills, leaving Arnold with $52,500 to rebuild.
He has tried to remain positive, however. “Thank God,” Arnold said, knocking on a shelf, “I’m living.”
But Arnold said the accusations stung, even when they proved groundless. And he was helpless to combat them.
Under a 1996 law, even when a company’s accusation of arson or fraud proves baseless, A US state insurance companies cannot be prosecuted if they acted “without malice,” a standard that is difficult to prove. That same law also makes it difficult for consumers to remove the allegations from their insurance files.
Another policyholder who felt the sting of suspicion was the Rev. Conrad Dexter, of XXX’s United Congregational Christian Church.
When his storefront church burned on May 29, 1997, the church filed a claim with A US state Basic Property Insurance Association, a government-created agency that sells insurance statewide to low-income people.
He waited for months.
Eventually, a company attorney ordered Dexter to give a sworn statement, and asked insinuating questions about his credit history.
“He probably thought I was some itinerant preacher who was just out to make a buck,” said Dexter, a Harvard-educated minister.
“That’s when I decided I had to get an attorney,” he recalled.
In July 1997, Mike Abbott, a fire investigator hired by A US state Basic, filed a report listing the fire’s cause as “undetermined.”
A company claims examiner reviewed that report and wrote “we are behind the eight ball” in having to pay.
Two months later, Abbott changed his ruling to arson.
Asked to explain the change, Abbott said in a deposition that a firefighter told him he smelled gasoline at the scene, remarks the firefighter flatly denied under oath.
The church’s lawyer sued the insurance company and won a $105,000 jury verdict in late1999 — the full amount of the policy.
The jury rejected the arson and fraud charges raised by the insurance company.
In an interview, Abbott said he did not immediately rule the fire arson because much of the church had been cleaned by the time he visited. It was not until he saw scene photos and talked to firefighters that he became convinced the fire was set intentionally.
He also insisted that the firefighter told him privately the scene smelled of gasoline.
“He basically lost his memory,” he said of the firefighter’s deposition testimony.
For Dexter, the hurt remains.
“There should be a law that insurance companies can’t arbitrarily say, ‘You started the fire,’ without any recourse to the person accused,” Dexter said. “It seems like that’s against all the core values this country was founded upon.”
More than four years later, the case remains on appeal, the verdict unpaid. The ordeal has exhausted church coffers, and Dexter’s. He said the church owes contractors more than $95,000 for repairs. “I told them they get paid when I get paid.”
Dexter said he wonders why A US state law doesn’t allow him to seek punitive damages, or recover for the emotional toll as the appeal lingers.
James Smithies, director of insurance for the Consumer Federation of America and a former Texas Insurance Commissioner, said he too was stunned by A US state’s insurance law. He was especially surprised consumers can no longer recover their legal costs when they sue. “Why should a consumer who proves he got ripped off not get fully re-compensated? It doesn’t make sense.”
Truth comes out
Other lawsuits have exposed suspect tactics by insurance company representatives.
In one fire case in western A US state, an investigator for XXXX Mutual Insurance Co. was caught testifying at trial from altered notes.
The investigator, it turned out, secretly “updated” his notes years after interviewing the home owner. The changes made it appear that home owner Jules Marr was trying to collect on personal items that actually survived the fire.
The changes, discovered at trial, even stunned the insurance company’s own lawyers. “I think our reaction was one of surprise,” recalled defense lawyer Jim Kirby. “It was not something we were happy about.”
Bill Trenton, the investigator, said he did not intend to deceive jurors, he merely “updated” his notes during the lawsuit. “It was a mountain made of a mole hill, and it made me look bad,” he said.
Playing for time
Some industry critics say companies intentionally delay paying claims to force desperate families to accept settlements.
In another town, Derek and Roberta Esposito and their four young children were forced to live for months in a tiny trailer with no bath, then in an unheated garage after a house fire in January 1997 that their insurer deemed suspicious.
“Everybody was on top of everybody,” said Roberta, whose last name is now Martin. “The kids didn’t have room to do anything.”
Months after they hired a lawyer, an insurance adjuster for the insurance company went directly to the family — bypassing the lawyer — to offer $65,000, the Espositos and their lawyer said.
The amount was near the policy limits, but the company’s offer forbade the family from seeking other damages, or from recovering legal fees. By the time they paid those expenses, the Esposito s received only $30,000.
They nevertheless accepted.
“If we had sued, it would have taken another year or two before we saw any money,” Derek Esposito said. “We’d be looking at living in a garage for the next two years. It wasn’t worth it. We would have gone crazy.”
The Espositos’ lawyer, Connor Stevens, said the company preyed on his clients’ financial crisis, and on Roberta in particular, who the insurer knew suffered from severe depression.
“When an insurance company adjuster contacts my borderline bankrupt, uninsured, mentally ill client to settle the case, I think that’s terribly unethical,” Stevens said. “This family was miserable, it was desperate, and the insurance company knew that.”
Clarisse Jameson, an insurance company claims manager, said the company no longer has Espositos’ claim file for reasons she said were unclear. But she denied the company would settle a case directly with policyholders when they were represented by counsel.
“If they had retained an attorney, we would have dealt directly with that attorney,” she said. To do otherwise, she said, would have been unethical.