To achieve maximum potential, professionals cannot stop learning after a graduation ceremony or when the diploma arrives in the mail. True professional success means making a continuous effort to upgrade goals and knowledge through both experience and deliberate steps to stay abreast of new information. It is important to stay ahead of the game, and more importantly, stay ahead of the competition.

Wh en comparing sudden and accidental water-loss events, sewage backups pose one of the most serious health concerns, and insurers should understand the potential liabilities associated with these losses, especially when concrete is involved. In particular, current sewage restoration practices, concrete’s porosity, and whether current guidance for sewage restoration is sufficient to return the concrete surfaces to a pre-loss condition should be carefully considered.

“W here there is smoke, there’s fire , ” is an oft-repeated adage. For the property/casualty claims industry, “Where there is pain, there is gain , ” is probably the more appropriate way to put it. In 2004, property/casualty insurers paid $300 billion to cover losses and loss adjustment expenses. If better use of technology could save the industry just one percent of this total, the savings would be $3 billion!