This actually seems pretty interesting, at least more so than the CPCU books. :)

I agree, it's a great alternative for insurance professionals. Kudos to I.J. for breathing some life (and, ahem, some technology) into the subject.

Think you'll check it out? If so, let us know—we'd love to hear about it.

Some food for thought:

If you carry insurance, chances are there will be
an adjuster in your future and there is nothing
quite like being prepared for the probable.

Because Preparedness Counts!

It is a good ending to a story when the interest of the policyholder is protected in case of claims.
Policy Ensurance
By Tony Braga
ISBN 0-939206-02-1 - Revised Edition © 2005
The 153 page Book for Property Insurance Policyholders (home, business, auto, boat, etc.)

* $ Owed You--What to expect from a claim: You have a say in the dollar amount of your claims.
* Glossary--Common insurance terms and jargon: You understand how to deal with an adjuster.
* Rights--How your insurance company should behave: You see the rules that show and tell what you deserve.
* Company Tactics--Ways insurance companies plan their work and work their plan to win (from company training manual): You check their strategy.

Excerpts

Preface

Introduction

Contents

Index

Topics covered include: Your Fundamental Insurance Claim Rights, A Glossary of Terms & Jargon, The Rules that Dictate How Your Insurance Company Should Behave, Your Authority & Adjusters' Authority, The Standard of Value, Depreciation, The Rules on Personal Property, The Provisions Limiting Insurance Company's Liability, Coinsurance, Salvage Principles, Standard Policy Wording, The Acts Which Void the Policy, The Conditions Suspending Coverage, What You Must Do In Case of Loss, Common Insurance Company Tactics, many Sample Forms and Letters, References to Cases and Regulations, and much, much more.
"It is time that someone publishes a book of this nature. As Regulators, we are aware that most policyholders are not aware. . .We wish you all the success. . .Your intent and foresight is commended."
--State of Hawaii USA
Department of Insurance

"I agree with you that many insurance problems could be prevented if consumers simply had information. . .I admire your commitment. . ."
--former Oregon USA Gov. Barbara Roberts

". . .Access to information is imperative in our society, especially to information pertaining to individual rights. This includes information regarding insurance claims. Technology today permits the dispersal of information at a moment's notice, especially with the Internet. I believe people should, at the minimum, have access to information like insurance claims rights over the internet. . .Thank you again. . .regarding the dispersal of this information."
--James P. McGovern
Member of USA Congress

See, Antone, I always thought insurance was designed to protect you from unexpected calamity—not the "probable". Which, I think, is why so many consumers are frustrated by expensive insurance premiums.

Nonetheless, I thank you for your comment. It truly is food for thought. (Gave me an idea for a future blog post!) Hope to see you back.

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