--- title: Audit, Compliance and Risk Blog | STP | Insurance Claims (3) description: Insurance Claims | STP's blog giving insight into audit, compliance and risk issues for EHS, business and accounting. (3) --- [![Specialty Technical Publishers](https://blog.stpub.com/hubfs/STP-logo-white-orange.png)](http://www.stpub.com/) - [My Account](http://stponline.stpub.com) - 1-800-251-0381 # Audit, Compliance and Risk Blog ## [Part II: Ten Commandments Claims Adjusters Should Follow](https://blog.stpub.com/bid/147150/Part-II-Ten-Commandments-Claims-Adjusters-Should-Follow) Posted by [Barry Zalma](https://blog.stpub.com/author/barry-zalma) on Sun, Jul 08, 2012 - [Tweet](https://twitter.com/share) [![](https://blog.stpub.com/hs-fs/file-17078525-jpg/images/zalma_w_border.jpg) ](https://blog.stpub.com/bid/147150/Part-II-Ten-Commandments-Claims-Adjusters-Should-Follow) Here is Part II of my Ten Commandments of [insurance claims](https://blog.stpub.com/?Tag=Insurance+Claims) which should be followed by all [claims people](http://www.stpub.com/publications/business-legal/business-legal-ic) working to fulfill the promises made by an insurer in an insurance policy. They are intended to provide direction to every person involved in claims handling, for the benefit of insurers, and the public. [Read More](https://blog.stpub.com/bid/147150/Part-II-Ten-Commandments-Claims-Adjusters-Should-Follow) 1 Comment [Click here to read/write comments](https://blog.stpub.com/bid/147150/Part-II-Ten-Commandments-Claims-Adjusters-Should-Follow#comments-listing) Tags: [California Legislation](https://blog.stpub.com/topic/california-legislation), [Insurance Claims](https://blog.stpub.com/topic/insurance-claims) ## [Part I: Ten Commandments Insurance Claims Adjusters Should Follow](https://blog.stpub.com/bid/147106/Part-I-Ten-Commandments-Insurance-Claims-Adjusters-Should-Follow) Posted by [Barry Zalma](https://blog.stpub.com/author/barry-zalma) on Thu, Jul 05, 2012 - [Tweet](https://twitter.com/share) [![](https://blog.stpub.com/hs-fs/file-17078525-jpg/images/zalma_w_border.jpg) ](https://blog.stpub.com/bid/147106/Part-I-Ten-Commandments-Insurance-Claims-Adjusters-Should-Follow) The following are the first 5 of my Ten Commandments of insurance that should be followed by all claims adjusters working to fulfill the promises made by an insurer in an insurance policy. They are intended to provide direction to every person involved in insurance claims, for the benefit of insurers, and the public.  [Read More](https://blog.stpub.com/bid/147106/Part-I-Ten-Commandments-Insurance-Claims-Adjusters-Should-Follow) 0 Comments [Click here to read/write comments](https://blog.stpub.com/bid/147106/Part-I-Ten-Commandments-Insurance-Claims-Adjusters-Should-Follow#comments-listing) Tags: [California Legislation](https://blog.stpub.com/topic/california-legislation), [Insurance Claims](https://blog.stpub.com/topic/insurance-claims) ## [Insurance Claim: Tragic Shooting Not 'An Occurrence' in Policy](https://blog.stpub.com/bid/142199/Insurance-Claim-Tragic-Shooting-Not-An-Occurrence-in-Policy) Posted by [Barry Zalma](https://blog.stpub.com/author/barry-zalma) on Mon, Jun 18, 2012 - [Tweet](https://twitter.com/share) [![](https://blog.stpub.com/hs-fs/file-17038836-jpg/images/istock_000013951744small.jpg) ](https://blog.stpub.com/bid/142199/Insurance-Claim-Tragic-Shooting-Not-An-Occurrence-in-Policy) If a person fires bullets at a car and unintentionally kills someone seated inside, does that constitute an 'occurrence’ for the purpose of insurance coverage? One Mississippi case follows the thread of that question. This year an appeals court was asked to determine whether a shooting that caused the “accidental death” of a person is an “occurrence” as defined in a home insurance policy, and/or whether an illegal act exclusion should apply. Here is a brief summary of the case. [Read More](https://blog.stpub.com/bid/142199/Insurance-Claim-Tragic-Shooting-Not-An-Occurrence-in-Policy) 0 Comments [Click here to read/write comments](https://blog.stpub.com/bid/142199/Insurance-Claim-Tragic-Shooting-Not-An-Occurrence-in-Policy#comments-listing) Tags: [Business & Legal](https://blog.stpub.com/topic/business-legal), [Insurance](https://blog.stpub.com/topic/insurance), [Insurance Claims](https://blog.stpub.com/topic/insurance-claims) ## [Intentional Harm: Language of Abuse in Insurance Policy Key to Ruling](https://blog.stpub.com/bid/142449/Intentional-Harm-Language-of-Abuse-in-Insurance-Policy-Key-to-Ruling) Posted by [Barry Zalma](https://blog.stpub.com/author/barry-zalma) on Mon, Jun 11, 2012 - [Tweet](https://twitter.com/share) [![](https://blog.stpub.com/hs-fs/file-17015075-jpg/images/comprehensive-guide-to-insurance_claims.jpg) ](https://blog.stpub.com/bid/142449/Intentional-Harm-Language-of-Abuse-in-Insurance-Policy-Key-to-Ruling) Situations can arise whereby an insurance policy holder is accused of abuse. But policies that stipulate there is no insurance coverage for abuse can still be subject to challenges—and where a child is involved, the stakes are high. The following case was heard in the Wisconsin appeals court that tested the clarity of the abuse exclusion in a home insurance policy. [Read More](https://blog.stpub.com/bid/142449/Intentional-Harm-Language-of-Abuse-in-Insurance-Policy-Key-to-Ruling) 0 Comments [Click here to read/write comments](https://blog.stpub.com/bid/142449/Intentional-Harm-Language-of-Abuse-in-Insurance-Policy-Key-to-Ruling#comments-listing) Tags: [Business & Legal](https://blog.stpub.com/topic/business-legal), [Insurance](https://blog.stpub.com/topic/insurance), [Insurance Claims](https://blog.stpub.com/topic/insurance-claims) ## [Disability Benefits Denied: Claimant Can Work in ‘Own Occupation’](https://blog.stpub.com/bid/141472/Disability-Benefits-Denied-Claimant-Can-Work-in-Own-Occupation) Posted by [Barry Zalma](https://blog.stpub.com/author/barry-zalma) on Mon, Jun 04, 2012 - [Tweet](https://twitter.com/share) [![](https://blog.stpub.com/hs-fs/file-17036050-jpg/images/insurance_form.jpg) ](https://blog.stpub.com/bid/141472/Disability-Benefits-Denied-Claimant-Can-Work-in-Own-Occupation) Disability insurers are often chastised for not accepting an insured’s disability claim and denying them insurance benefits. At the same time, some individuals attempt to recover from their disability insurer even when they are able to perform the duties of their occupation. And when contracts are written in such a way that even the most erudite advocate cannot determine their meaning unequivocally, it is no wonder so many such cases end up in litigation, as in the following case from Arkansas. [Read More](https://blog.stpub.com/bid/141472/Disability-Benefits-Denied-Claimant-Can-Work-in-Own-Occupation) 0 Comments [Click here to read/write comments](https://blog.stpub.com/bid/141472/Disability-Benefits-Denied-Claimant-Can-Work-in-Own-Occupation#comments-listing) Tags: [disability claim denied](https://blog.stpub.com/topic/disability-claim-denied), [Corporate Governance](https://blog.stpub.com/topic/corporate-governance), [Health & Safety](https://blog.stpub.com/topic/health-safety), [Insurance Claims](https://blog.stpub.com/topic/insurance-claims), [Disability benefits](https://blog.stpub.com/topic/disability-benefits) ## [The Need for Competent and Experienced Claims People](https://blog.stpub.com/bid/137962/The-Need-for-Competent-and-Experienced-Claims-People) Posted by [Barry Zalma](https://blog.stpub.com/author/barry-zalma) on Mon, May 07, 2012 - [Tweet](https://twitter.com/share) [![](https://blog.stpub.com/hs-fs/file-17079422-jpg/images/zalma.jpg) ](https://blog.stpub.com/bid/137962/The-Need-for-Competent-and-Experienced-Claims-People) ****When two parties in a claim cannot agree, appraisal is often the quickest and fairest method of determining loss value.  But if the appraisers are not able to agree on the value they can choose an umpire to help resolve the dispute, after which an award can be paid out.  But in innumerable cases the parties refuse to accept a win, and insist on moving for a new trial to appeal the case. [Read More](https://blog.stpub.com/bid/137962/The-Need-for-Competent-and-Experienced-Claims-People) 0 Comments [Click here to read/write comments](https://blog.stpub.com/bid/137962/The-Need-for-Competent-and-Experienced-Claims-People#comments-listing) Tags: [Business & Legal](https://blog.stpub.com/topic/business-legal), [Insurance](https://blog.stpub.com/topic/insurance), [Insurance Claims](https://blog.stpub.com/topic/insurance-claims) [Previous](https://blog.stpub.com/topic/insurance-claims/page/2) [All posts](https://blog.stpub.com/all) ### Follow Me ### Subscribe by Email ### Browse by Topic Area - [Accounting & Tax ](https://blog.stpub.com/topic/accounting-tax) - [Business & Legal ](https://blog.stpub.com/topic/business-legal) - [Corporate Governance  ](https://blog.stpub.com/topic/?Tag=Corporate+Governance) - [Environmental ](https://blog.stpub.com/topic/?Tag=Environmental) - [Global ](https://blog.stpub.com/topic/?Tag=Global) - [Health & Safety ](https://blog.stpub.com/topic/health-safety) - [Internet ](https://blog.stpub.com/topic/?Tag=Internet) - [Transportation ](https://blog.stpub.com/topic/?Tag=Transportation) ### Browse by Tag - [Environmental (344)](https://blog.stpub.com/topic/environmental) - [Business & Legal (309)](https://blog.stpub.com/topic/business-legal) - [Environmental risks (300)](https://blog.stpub.com/topic/environmental-risks) - [Health & Safety (296)](https://blog.stpub.com/topic/health-safety) - [EPA (283)](https://blog.stpub.com/topic/epa) - [Terms & Conditions](https://stphub.stpehs.com/wp-content/uploads/2021/01/STP-Terms-of-Use-Dec-20.pdf) - [Privacy Policy](https://stphub.stpehs.com/wp-content/uploads/2020/12/STP-Privacy-Policy.pdf) - [License Agreement](https://stphub.stpehs.com/wp-content/uploads/2021/01/STP-License-Agreement-Dec-20.pdf) - [Sitemap](http://stpub.com/sitemap) - [Support](http://stpub.com/support) © 2021 STP ComplianceEHS - All rights reserved