We are the Insurance Insider
Claim Animalz is your Insurance Industry Expert. Trained to be an expert in determining cause of loss and proper restoration and has worked with and on behalf of of many insurance companies, knows how these companies operate and things that can turn the tables in your favor.
The following Article may be old but is still relevant today
Insurance Claim Delays Deliver Massive Profits To Industry By Shorting Customers
By Mollie Reilly and Max J. Rosenthal
By Mollie Reilly and Max J. Rosenthal
As President of Claim Animalz Inc
- Duties include
- Inspect subject property to determine if the property has sustained damages.
- Determine the Cause of the damages identified.
- Photo Document Damages and material related to the restoration of the damages.
- Liaison with the insurance carrier.
- Measure accurately materials, elevations, roofs, interior rooms as needed.
- Notate damages and critical and necessary data for the purpose of using that data in detailed reports.
- Research code requirements for the municipality where the subject property located.
- Determine existing materials and research like king and quality materials.
- Obtain manufacturer’s instructions of materials to be used in the restoration.
- Review and highlight pertinent information for insurance carriers review.
- Determine if an expert is needed to make a determination, and if so contact, hire, and obtain proper report or statement needed to support findings.
- Create CAD/Sketch diagrams of roofs and rooms and dimension or sketch exterior elevations based on the measurements and notes taken.
- Create detailed estimates notating line items explaining them if they are not immediately obvious to a property owner and or an insurance adjuster.
- Download, Organize, reduce the size, and manage photos representing damages, related operations and materials to perform restorations as well as removal of materials, discoveries that change the operation, and the repair and or installation of materials
- Create Photo Reports; labeling and describing photos, ordering the photos in the same order as the estimate as to tell the story of the damage and repair.
- Create Cause of Damage Reports as needed
- Send and review estimate with the insured.
- Send insured the manufacturer’s instructions for the materials they will be using.
- Inform and review OSHA requirements and Urge the insured to review Job Safety with contractors
- Photo Document contractors work demo and installation and obtain photos from contractors.
- Create updated supplemental estimates as needed.
Not all Public Adjusters are Equal
Flood for NFIP | Berkley North Pacific | Brotherhood Mutual | Lloyds of London | Chubb | Berkshire Hathaway | POE | The Hartford | The Hanover | Horace Mann | Indemnity Insurance | Nationwide | Liberty Mutual Insurance | Safeco Insurance | Bankers Insurance | Louisiana Citizens | Indiana Insurance | Ohio Casualty | American Family | Shelter Insurance | Auto Owners Group | The Kemper | NCAA / AAA Insurance | American First Insurance | CNA | Cincinnati Insurance | Teachers Insurance | Republic Group | Encompass Insurance | Tower Hill Insurance | Homewise | Florida Citizens | Erie Insurance | Scottsdale Insurance | TD in Canada | and other associated
Training to be your Expert
Below is a partial list of the courses and training Philip Weber has completed.
Senior Professional Public Adjuster Certificate – The Institutes - Risk & Insurance Knowledge Group
Adjusting Business Interruption for Retail Insured’s – Craig Acheson (AHY Forensic Accounting) and Michael C. Little AIC CPCU (Hanover Insurance Group)
Building Codes: Loss and Claim Exposure management – Kent G. Robinson General Adjuster (Stet Travelers) Isam Hasenin President (Hasenin Consulting Engineers)
Claims Technology – Dennis Wallen (Reliable Adjusting Company Enterprises)
Commercial Claims – J.P. Turner
Commercial Roofing – Donan Engineering
Commercial Roof Damage Assessment - Haag Engineering
Condominium Losses - by Elizabeth E. Andrews Esquire & Kirt Varhagen National Product Line Manager (Safeco Insurance)
Comparing Property and Boiler and Machinery Coverage and Adjustments – Richard Sprock (Bruckmann & Victory LLP) and William F. Cassidy (Douglas G. Patterson & Associates, Inc.)
Earthquake: When the Big One Hits, Will Your Adjuster be Ready? - By Dan Dyce, (Earthquake Response Manger for CEA)
Earthquake Coverage and Handling Earthquake Claims - Dan Dyce, (Earthquake Response Manger for CEA)
Earthquake Damage Assessment and Repair - By John D. Osteraas (Principal Engineering & Practice Director/Exponent Failure Analysis for Menlo Park, CA)
Estimating Electrical Damage Losses – Donald Skaff (LWG Consulting Inc.)
Fraud: The Politics of Arson – Gil Minock Assistant VP (Amerisure Insurance Company) Sean O’Brien Atty/Shareholder (Bradshaw Fowler Proctor et al) David J. W. Proctor Atty/ Shareholder (Bradshaw Fowler Proctor et al) Robert Riede Atty/Shareholder (Bullivant Houser Bailey) Chris Van Vleet Special Agent/CFI (Bureau of Alcohol, Tobacco, Firearms
General Claims Handling Expectations – Dennis Wallen
Good Faith Claims Handling – Paul W. Burke Partner (Drew Wckl & Farnham, LLP) & Daina E. Kojelis (Zurich North America)
Hurricane Losses: Using Initial Scope and Reserve Analysis to Manage Expectations and Outcomes – David Wilde Adjuster (Wilde Claims) Elise M. Farnham (Illumine Consulting) Mark Kubena Engineer (Insight Engineering, LP)
Insurable Interest Problems in the Large Homeowners Claim – Billy J. Handsaker Regional Large Loss Representative III (Allied Insurance/A Nationwide Company) Robert C. Burrell Partner (Borgelt, Powell, Peterson, Frauen)
Inspection & Evaluation of Residential Roofing - Haag Engineering
IntegriClaim Expert Class - Nashville PLRB Conference
Preventing Leakage in Building Damage Estimates – Sam White (Travelers)
Property Mediation Strategies for Early Resolution - Monica O’Neill Attorney (Kent & McBride) Thomas B. Ruttler Attorney & Steve Zickefoose Regional Claims Analyst (Westfield Group)
Quality Claim File Notes – Steven J. Polansky Esquire (Marshall Dennehey Warner Coleman Goggin) & Keven Willging Esquire (St Paul Travelers)
Reconstruction in a Catastrophic Environment – Fred Frederick Manager of NGA Unit (AIG Domestic Claims) Dixon Grier CPA Partner(Matson, Driscoll, and Damico) James L. Wraith Atty/Partner Selvin, Wraith Halman)
Residential Roof Damage Assessment - Haag Engineering
Subrogation: Building the Case with Your Expert – Todd Denenberg Partner (Grotefeld & Denenberg) & Kenneth W. Robinson Regional Manager (LWG Consulting)
Transportation and Warehouse Losses: Coverage, Adjustment, and Subrogation – Marilyn Raia (Bullivant Houser Bailey PC)
Thorny Issues with Commercial Property Coverages – F.M. Bud Ferrer (Smith Smith Feeley LLP) and Kelly Taylor (CSE Insurance)
Water Damage Claims – Daniel Berazzani (Liberty Consulting) and Gerald Motejunas (Smith & Brink PC)
Valuation of Residential and Commercial Contents – Brian Kraynak (Liberty Mutual Insurance Company)
Wind vs. Wave Damage Assessment - Haag Engineering
Wood Roof Damage Assessment – Haag Engineering
Building Types Responsible for
Large and Small Farms, Warehouses, Restaurants, Highrise Condos (above 30 stories), Homeowners Associations, Master Homeowner Associations that had multiple smaller HOA’s under them, Apartment buildings, Golf Courses with Multiple buildings, Office Buildings, Large Schools with multiple buildings (high schools, JR high Schools, etc), Churches (large and small many with multiple buildings), Mobile Homes, Mobile Home & RV Parks, Motorhomes and Camping Trailers, Duplexes, Fourplexes, Single Family, Large estate Single Family, Individual Condos and Townhomes.
Certifications (Some of)
Senior Professional Public Adjuster (SPPA) | PCCP | NFIP: Residential, MH, & Commercial NFIP # 30002970 | AmFam Commercial | Nationwide | Florida Citizens | Scottsdale | TWIA | THIG | USAA | HomeWise | Shelter | Southern Fidelity | Hanover | Capitol Preferred | Frontline | VPIA | Certified Umpire | CA. Earthquake Accreditation | Rope and Harness
Assignments Responsible for
Determining Cause of Loss (Damage), Photo Documenting Damages, Ordering/Hiring and Consulting with Experts as Needed, Educating Property Owners including dispelling myths, Measuring Accurately by hand (roof measurements could not be off more than an inch, interior measurements could not be off), Diagraming and dimensioning using Xactimate and IntegraClaim, Symbility (and its predecessor), Problem Solver (Insurance Companies Hired Me to Resolve problems when attorneys were imminent), Supervisor & TEAM Lead, Determining and Reporting Fraud and or Potential Fraud, RE-Inspections (often called “Clean Up” staying behind after other adjusters leave, re-inspecting usually because someone disagrees with the first adjuster), File Review/Desk Adjusting (reviewing independent adjusters work before it was submitted to insurance carriers), Creating Reports including but not limited to: General Loss Reports, Narrative Reports, Valuation Reports, Proof of Loss Reports, Property Reports, Photo Reports, and a multitude of Flood Reports. Kept detailed logs of each claim noting interactions with everyone involved with the claim and everything aspect I had involvement with to resolve the claim, kept accounting information such as expenses and time for expense billing. Worked with many types of software, MS Suite, Cad Programs, and much more. Xactimate (Estimating Software) Trainer, Assisted Indiana Insurance with Software Conversion when they were purchased by Liberty Mutual.
Philip Weber's experience resolving claims is extensive. He has worked for or on behalf of all of the insurance companies you see to the left and even some that we did not include on the list.
In 2015 Philip started Claim Animalz because he wanted to help the public get fair property settlements.
Philip has consulted and provided expert services for property owners and their contractors since then.
Philip's clients average Claims Settlement was 3 times greater than the insurance companies initial offer. Yes you read that right, three hundred percent more on average!
Philip was not just an adjuster. Frankly adjusters are a dime a dozen. Philip was trained by the nations TOP ADJUSTERS and considered to be at the top of the craft. Insurance companies would hire Philip to resolve claim issues for claims that were headed to court and Philip was able to resolve them.
Philip was asked to train adjusters and consulted with insurance companies on estimating software, aerial imaging, and was hired by one insurance company that was purchased by a bigger insurance company to help then convert from IntegraClaims to Xactimate.
When you Hire Claim Animalz
You Turn the Tables
Do you want to take on the insurance company alone?