Bluegrass Damage Appraisal

Our firm is heading into its third year of handling claims and I want to express immense gratitude to all our clients for entrusting us with their claims. As a client-centric company, accuracy, efficiency, fairness, and accessibility are our top priorities. Your trust in us reaffirms our commitments.

To our IAs, I want to extend my heartfelt thanks for your hard work and dedication. Each one of you goes above and beyond, embodying a mindset of continuous improvement. Our dynamic team collaborates daily, discussing claims, strategies, and ways to enhance our services. We are passionate about our work and we are building a culture, together, that will continue to grow as the firm does.

In the past year, we have doubled both our claim volume and the number of IAs on our team. Looking ahead, I aim to continue this growth trajectory into year three. We are excited to introduce innovative ideas, expand our coverage, and further enhance our services.

Thank you all for being part of this journey.

Come see us at the Southern Kentucky Claims Association golf scramble at Fox Hollow Golf Course, hole #1!!

David Rose with Bluegrass Damage Appraisal and Alacrity Solutions is winding up the seminars for us discussing Heavy’s - Boats, RV’s, and The Other Claims

No pitch too steep
No slope too tall
We love bizarre specialty claims
And we handle them all
We yearn for large loss
And we are most efficient
All our IAs are more than proficient
Never seen that equipment?
We likely have
And if not
Guess what
We will honor our commitment

BluegrassDamageAppraisal.com

Oof! Easy one

Actual footage of myself finding hail damage

Bluegrass Damage Appraisal is proud to announce that our firm is now a certified member of the National Association of Independent Insurance Adjusters!

Bluegrass Damage Appraisal is now handling Shoe Claims!

Our team of adjusters and appraisers have all attended, and completed, the highly esteemed Shoe Damage Appraisal School Level 5 Shoe expert course. We are now Shoe Certified and ready for action! So send those claims on over and let the experts handle it from here!

Now handling Shoe Claims in the Commonwealth of Kentucky and into the surrounding states.

We are all also trained in Sock Damage Appraisal.

We Love Claims!
www.BluegrassDamageAppraisal.com

Please join us in welcoming Jacob Altman to the Bluegrass team as a Multi-line Adjuster!!

Jake is a licensed Independent Adjuster in 5 states and is certified by CITI School to handle Crop claims! A few other certifications, among his stellar record, include ATS Heavy Equipment, Rope & Harness, and Xactimate Level 2.

Prior to becoming an IA, Jake founded a home building company and worked as a heavy equipment operator and later as a school teacher. Needless to say, we are ecstatic that he is bringing his extensive knowledge and experience onboard to handle claims.

Hailing from Campbellsville, KY, Jake will be handling Crop, Property, Heavy Equipment, Specialty, and Automotive claims within 80 miles of his location.

If you or anyone you know could be in need of our services, please don't hesitate to give us a call, shoot us a message, and share this post!

We love claims!

www.BluegrassDamageAppraisal.com

I am elated to announce that, Alvin Davis Jr., is joining the Bluegrass Damage Appraisal team as a Multi-line adjuster!

Alvin will be contributing his vast property adjusting experience, wealth of policy and coverage knowledge, and spectacular catalog of licenses and certifications to our expanding team and we are fortunate to have him aboard!

Alvin will be handling property losses and training with our multi-line appraiser in Lexington to handle heavy equipment, specialty, and automotive claims within 80 miles of Lexington, KY, including Louisville. He will also be training with me on large-loss and commercial property claims.

If you or anyone you know could be in need of our services, please don't hesitate to give us a call, shoot us a message, and share this post!

We love claims!
www.BluegrassDamageAppraisal.com

"You’re gonna regret this, Mr. Insurance Man."

My fiance and I watched 'Killers of the Flower Moon' the other day and, while it took us 2 days to get through the whole thing, we enjoyed the movie. I won't give any spoilers here for those that have yet to see it.

The quote above is Robert De Niro's character's reaction when his local "insurance man" advises him that there are coverage issues with a life insurance policy that he took out on a person that is now deceased and home office is contesting the settlement.

After I heard that quote, I laughed hysterically thinking about the many times that I've been called "the insurance guy" or "the insurance dude". But it also got me thinking about the insurance man in the movie. Was he an agent, an adjuster, carrier staff, all of the above? Keep in mind, this is 1920's Oklahoma. So naturally, I had to do some Googling and share some fun facts I learned along the way.

Did you know that Benjamin Franklin is credited as the forefather of insurance in the United States? In 1751, Franklin and his Union Fire Company met with other fire-fighting companies to discuss the creation of a fire insurance company, resulting in the formation of the Philadelphia Contributionship. Members paid in equal amounts with the promise that they would be covered in the event of a fire.

Much later, in 1943, the New York Standard Fire Policy, which I'm sure most in insurance are familiar with to this day, was accepted nearly nationally but there was still no adjuster. The burden of proof was on the insured. Thus, out of good faith and a necessity of expertise, the insurance adjuster was born and created by law to transfer the burden of proof from the insured to the insurer. The profession began in assessing fire losses and determining validity, and expanded to assessing losses in cargo shipments during transit. The profession expanded with the complexity of claims booming as well as the increasing number of carriers.

Today, the job of an adjuster is much more complex than it was back in the day. Adjusters not only protect the insurer from fraudulent claims, but also help the insured navigate the complicated claims process while negotiating to secure a fair settlement for all parties.

Adjusters must possess a seemingly infinite knowledge of insurable interests, risks, repair methods, market values, policy language, and complicated estimating platforms but also maintain a sympathetic bedside manner while in the face of a heavy claim workload and insureds that are possibly in the midst of one of the most stressful events of their lifetime. Each interest category in itself is seemingly infinite with a constantly evolving world of tech and mechanical advances.

Insurance adjusting is an often forgotten profession and also one of the highest stress jobs in the US. Adjusters can be regarded as heroes or foe.

My opinion? The work is supremely rewarding and I can't think of a more interesting job.

In 2023 there was, an estimated, $308.6 billion paid out on fraudulent insurance claims. Photo estimating and AI will, without a doubt, have a huge effect on this number in the future.

I have the absolute bare minimum in knowledge and experience in using AI and it took me 10 minutes to create the images below. In most of them, you can tell that something is off but this technology will continue to get more accurate and realistic. The images below were created using prompts for specific make, model, and color of tractor trucks with specific damage. They were frighteningly accurate.

We could also discuss the implications of AI fraud in property, specialty, and of course automotive claims. It would not be hard for someone versed in AI image creation to process photos of fire damage in a home that hasn't had a fire in it. Or even upgrade furnishings and trim in a home to manipulate the scope.

The most profitable fraud will most likely be in the automotive sector as auto claims are normally on the lower end of the payout scale and looked at with the least scrutiny.

How can we combat this type of emerging fraud and many others?

Send an experienced IA!

https://www.repairerdrivennews.com/2023/09/07/more-photo-based-claim-fraud-may-soon-pair-with-ai-use-in-insurance/

Interested in seeing what life looks like through the eyes of an Independent Adjuster?

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We had such an excellent time at this year’s Bluegrass Claims Association Christmas party! Thank you to everyone who helped make this happen and thank you David Rose for the invite! Can’t wait until next year.

A few photos from tonight's sunset