The 7 Habits of Highly Effective Coverage Adjusters

Good coverage adjusters don’t keep score of coverage denials and consider the policyholder, underwriter and agent perspectives when reviewing coverage, according to Kevin Quinley, founder and principal of Quinley Risk Associates.

Quinley, who has nearly four decades of claims handling experience under his belt, said coverage review is the bedrock of claims handling, since a finding of no coverage means no further analysis of liability or damages is needed. He added that coverage adjusters are valuable assets, contesting claims that merit resistance.

Quinley outlined the seven habits of highly effective coverage adjusters during the latest Claims Insights podcast.

The seven habits off effective coverage adjusters include the following:

He warned that insurers should avoid having incentive structures that encourages adjusters to be hyperaggressive and overreaching in their coverage denials.

Quinley will present on the subject at the Chartered Property Casualty Underwriter (CPCU) Society Annual Meeting to be held in Orlando, Fla., September 16-19. Quinley will present alongside Cynthia Khin, Berkley Life Sciences.