LA Claims Adjuster case studies
LA Claims Adjuster · Put your knowledge to work in context.
The Louisiana Claims Adjuster license is a state-issued credential administered through the Louisiana Department of Insurance (LDI). It authorizes a person to investigate, evaluate, and negotiate claims on behalf of insurers or insureds in Louisiana, and it is generally pursued by people entering claims work for carriers, independent adjusting firms, third-party administrators, and catastrophe-response teams - as well as by licensed producers who want to handle claims directly. The LA Claims Adjuster case studies are 5 cases and about 2,395 words.
1Hurricane Total Loss: Valued Policy Law, Limit Caps, and a 5% Named-Storm Deductible
A named hurricane crossed Terrebonne Parish and tore the roof off a duplex insured under a Louisiana homeowners policy: Coverage A limit 350,000, Coverage B 35,000, and a 5% named-storm deductible calculated on the Coverage A limit. The dwelling's replacement cost is 400,000.
503 words, about 3 min2Kitchen Fire: What Counts as Satisfactory Proof of Loss and When the Depreciation Holdback Expires
A kitchen fire damages a rented house in Baton Rouge. Replacement-cost policy: Coverage A 250,000, Coverage C 80,000, 1,000 deductible.
484 words, about 2 min3Defective UM Rejection and a Demand Against the Underinsured Motorist Carrier
A driver is rear-ended on the I-10 high rise in New Orleans. Special and general damages are estimated at 90,000.
419 words, about 2 min4Two Policies, One Fire: Rental Exposure, Pro Rata Apportionment, and the Tenant's Liability
A Shreveport duplex owned by an individual landlord suffers a 60,000 fire started by a tenant's unattended cooking. Two policies insure the building: a homeowners policy (Coverage A 200,000, 2,000 deductible) bought when the owner lived in one unit, and a dwelling fire policy ( 150,000, 2,000 deductible) bought after he moved out.
538 words, about 3 min5Restaurant Assault Claim: Reservation of Rights, Independent Counsel, and a Ten-Day Policy-Limits Demand
A French Quarter restaurant is sued after a bouncer injured a patron. The CGL policy has a 1,000,000 each-occurrence limit and an assault-and-battery exclusion.
451 words, about 2 min