PROPERTY:
Roof Here Today, Gone Tomorrow
Winds in excess of 75 mph raced through a
small Pennsylvania town one Saturday night earlier this year. By
morning, a large portion of a warehouse roof that belonged to one of our
clients was completely gone - and more storms were predicted throughout
the following weeks.
The client filed the claim first thing
Monday morning with Kirby Leonard, Sr. PMA Account Claims
Representative. Leonard empathized with the client's situation and
committed himself to setting a record pace for handling the claim - a
process that generally takes 30 days. He looped in his Regional Claims
Supervisor, Darryl Zimmerman, and together they personally ensured that
the damage was inspected by an independent estimator within 24 hours. By
Friday, they closed the claim and delivered payment to the client that
afternoon - just five days after the claim was filed and before any
additional storms reached the area.
CLAIMS MANAGEMENT:
An `Excess' Blast from the Past
This year, as part of its claims management
services, PMA Management Corp., PMA's third-party administrator, worked
to recover funds from this client's excess carrier on a claim dating
back to 1983. The claim was covered under a special policy that required
the client to pay specified dollar amounts each year until the claim was
closed. After the final payment was made this year, Michele Beber, Sr.
PMA Account Claims Representative, noticed the client had substantially
overpaid.
Beber shipped all the medical and financial
records dating back to 1983 along with a letter of explanation to the
excess carrier requesting a refund. In August, the client received a
check from the excess carrier for $62,000 and had this to say to Beber
and PMAMC: "Thank you for your willingness in working with us on this
most difficult excess claim. Your perseverance and dedication to the
task at hand was a moving force in getting this matter resolved. Hats
off to you for a job well done."
SUBROGATION:
A Picture is Worth How Much?
It's often been said that a picture is worth
1,000 words. For this PMA client, a picture was worth $7,000! After a
driver in the company's delivery fleet was involved in a minor traffic
accident, he took pictures at the scene just as he had been trained to
do. A few weeks later, the claimant's carrier demanded nearly $7,500 for
the damage caused by the accident. Armed with the driver's pictures,
however, Sr. PMA Claims Representative Jerry Perkins easily proved the
accident only caused minor damage to the roof of the claimant's vehicle
- and he settled the claim for just over $500.
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