Ten Commandments (Recommendations) of Settling Tree Claims

Insurance
Across my desk came the assignment for the insured claim of irreparably damaging a protected tree during construction. It seems as though the construction personnel, shall we say, drifted across the tree barricades and smacked a protected tree but good. The government arborist cited code violations and a six-figure number for mitigation. There were pictures. Lots of them. And, yes, there was damage for certain. But was the damage irreversible or irreparable? And what of the fine for the tree loss, to the extent the tree was a total loss? The adjuster was justifiably confused. If the damage were to a car, there would be no questions as to clarity. What is the year, make, and model of the car? How many miles had been racked up? What condition was…
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If a Tree Fell in the Woods, Would an Insurance Agent Hear It?

If a Tree Fell in the Woods, Would an Insurance Agent Hear It?

Insurance
It is an amazing phenomenon to observe from afar. Extremely intelligent and well-versed insurance professionals handling claims become immobile when a tree or landscape issue comes before them. Their eyes glaze over. Their right hand goes to their chin. Their eyebrows rise. They ponder, what to do? Given that the tree or landscape did not kill or injure someone (which is an entirely different matter altogether), the agent is left with the task of paying the claim, denying it, or attempting to seek help in the marketplace to verify the casualty opinion of value. Claims sit on a desk for a year or more because the agent is frozen in a state of confusion. Resentment from the insured rises as his claim is not paid. The company name becomes tarnished.…
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Age Discrimination in the Marketplace

Age Discrimination in the Marketplace

Stories of Life
I am the luckiest man in the marketplace. The older I get, the more I am  perceived as being better at my niche in the marketplace, better than somebody younger than I. I have noted much discussion and many articles regarding age discrimination in the workplace.  While paraphrasing, it seems the mantra of the older applicant or job holder is: "I have forgotten more than the younger worker (applicant) knows, and yet I am going to be fired or replaced by a younger applicant." I believe this statement to be true. So what is it that spurs the ubiquitous conversations on age discrimination? And why does age discrimination exist? I believe that it does exist, but cannot prove it. I do not attempt to prove it. An attempt is made to offer remedial possibilities for age…
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