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"The Compact Book of Adjusting Property Claims - Third Edition" 

https://zalma.com/blog

The insurance adjuster is seldom, if ever, mentioned in a policy of  insurance. The strict wording of the first p arty property policy sets the obligation to investigate and prove a  claim on the insured.  Standard first party property insurance policies, based upon the New  York Standard Fire Insurance policy, contain conditions that require the  insured to, within sixty days of the loss, submit a sworn proof of loss  to prove to the insurer the facts and amount of loss. In general,  failure to file the proof within the time limited by the policy is fatal  to an action upon it (White v. Home Mutual Ins. Co., 128 Cal. 131, 60  P. 666). Beasley v. Pacific Indem. Co., 200 Cal.App.2d 207, 19 Cal.Rptr.  299 (Cal. App. 1962). The California Supreme Court in 1900 when it  decided White v. Home Mutual concluded that the better view is that the  requirement of proof of loss by the insured within the 60-day limit  provided by this standard form of policy is a condition precedent to the  right of the insured to maintain suit.  The policy allows the insurer to then, and only then, respond to the  insured\\u2019s proof of loss. The insurer can then either accept or reject  the proof submitted by the insured.  In order to fulfill the covenant of good faith and fair dealing insurers  created the insurance adjuster to fulfill its obligation to deal fairly  and in good faith with the insured. The adjuster was created to assist  the insured to comply with the material conditions of the policy, to  thoroughly investigate the policy and the claim, and to protect the  interest of the insurer and protect against claims that were not due to a  peril insured against or were false and fraudulent.  A newly revised and updated book on property claims adjusting by Barry  Zalma.  \\xa9 2021 \\u2013 Barry Zalma  Barry Zalma, Esq., CFE, now limits his practice to service as an  insurance consultant specializing in insurance coverage, insurance  claims handling, insurance bad faith and insurance fraud almost equally  for insurers and policyholders. He also serves as an arbitrator or  mediator for insurance related disputes. He practiced law in California  for more than 44 years as an insurance coverage and claims handling  lawyer and more than 52 years in the insurance business. He is available  at http://www.zalma.com and zalma@zalma.com.  Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE  Legend Award.  Over the last 53 years Barry Zalma has dedicated his life to insurance,  insurance claims and the need to defeat insurance fraud. He has created  the following library of books and other materials to make it possible  for insurers and their claims staff to become insurance claims  professionals.  Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma;  Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts; and Read last two issues of ZIFL here.