NH Claims Adjuster case studies
NH Claims Adjuster · Put your knowledge to work in context.
The New Hampshire Claims Adjuster License Exam is the licensing test for people who want to investigate, evaluate, and settle insurance claims in New Hampshire. It is aimed at new adjusters entering the field, producers adding an adjuster line, and experienced adjusters from other states who need New Hampshire authority. The NH Claims Adjuster case studies are 5 cases and about 3,398 words.
1Tenant Fire and the Landlord's Pre-Loss Subrogation Waiver
Maple Street Realty owns a 1920s brick building in Manchester, NH, leased to a restaurant tenant, Harbor Bistro. Section 14 of the lease contains a mutual waiver of subrogation: both parties waive all rights against the other for property damage, including any deductible and regardless of fault.
709 words, about 4 min2Time-Limited Demand with Multiple Claimants and Inadequate Limits
On a clear afternoon in Nashua, NH, an insured driver, Ms. Patel, runs a red light and strikes a sedan carrying three coworkers.
699 words, about 3 min3Homeowners Water Loss with Mold Sub-Limit and Long-Term Seepage
On January 4, a homeowner returns to her Bedford, NH, house after a 12-day vacation and finds water pouring from a second-floor toilet supply line. A plumber determines the braided line failed from corrosion and estimates it had been seeping for several weeks before the full rupture; there is dark staining along the first-floor ceiling.
675 words, about 3 min4Unlicensed Adjuster and Coercive Settlement in a New Hampshire Fire Claim
A New Hampshire independent adjusting firm, Granite Claim Services, assigns a 78,000 fire loss at a Dover duplex to Kyle, a 'claims technician' who has completed internal training but holds no New Hampshire adjuster license. Kyle inspects, takes a recorded statement, and tells the insured, 'Your policy is void because you had a small kitchen water stain two years ago and didn't disclose it.' The insured says the stain was repaired and never caused a claim.
677 words, about 3 min5Construction Defect, the Subcontractor Exception, and Resulting Water Damage
Riverside Builders, a general contractor in Portsmouth, NH, completes a three-story addition. It subcontracted the exterior envelope to Summit Waterproofing.
638 words, about 3 min