WIND 2018 Breakout Sessions



NOTE: All Florida Adjusters are required to take one “5-Hr Law & Ethics Update” course in every 2-year compliance period. This mandatory CE program, covering regulatory awareness and the various rules, ethics, and laws of property insurance adjusting, will be offered at the 2018 Windstorm Insurance Conference and consists of three classes.


5 Hr. FL Law & Ethics Update - Part 1 
Update on Florida Adjuster Licensing Requirements (W1)
Florida’s 2017 legislative session resulted in dramatic changes to Florida’s adjuster licensing requirements that affect company employee, independent, and public adjusters.  Don’t miss this all important (and mandatory) 1st hour of Windstorm’s 5-Hour Law & Ethics Update Course. 

Faculty: James W. Greer, CPCU, President/AE21 

DATE: Wednesday, Jan. 17, 10:30 am - 12:15 pm

5 Hr. FL Law & Ethics Update - Part 2 
Contractors Acting as Public Adjusters (TH13a)

 
CS/CS/HB 911 passed the House on April 26, 2017, and subsequently passed the Senate on May 5, 2017. This bill will come into effect on Jan. 1, 2018. The bill was passed in order to limit people acting as public adjusters under the title of “loss consultants,” and roofing/contractor salespeople who advertise to “negotiate your insurance claim.” For the first time, carriers have a bigger target than Pubic Adjusters, and have strengthened the language and penalties for the Unlicensed Act of Public Adjusting.


Faculty: Tara Munoz, President, Your Private Adjuster; Kelly Kubiak, Merlin Law Group; Robert Horwitz, Conroy Sinberg; Joe Graham, Precision Roof Consulting

DATE: Thursday, Jan. 18, 1:15 pm – 3:00 pm


5 Hr. FL Law & Ethics Update - Part 3 
Concurrent Cause Conundrum (TH13b)


Courts have recently revisited application of the “efficient proximate cause” doctrine to determine the burden of proof for application of exclusionary language in property insurance policies. The Supreme Court of Florida recently affirmed the minority “concurrent causation” rule which dramatically narrows application of exclusionary language and many would say eviscerates many causation exclusions entirely. The presentation will discuss the underlying tenets of each standard of proof and comment on industry and policyholder approaches to proving and avoiding exclusions in standard form commercial property policies.
Faculty: Alycen Moss, Cozen O’Connor; Christopher Mammel, Merlin Law Group

DATE: Thursday, Jan. 18, 3:30 pm – 5:15 pm

Appraisal Certification (W8a) (W8b)

(Note: This is a double-session workshop)
The goal of this workshop is to prepare a professional to act as an appraiser in the appraisal process. The first part of the session will deal with ethics. The mechanics of the appraisal process will then be discussed at length. This discussion will include everything from choosing an umpire, to how to bring the appraisal to a successful conclusion, by either agreeing with the other appraiser or presenting your position at the umpire meeting. The final segment will address the ramifications of the statutes and case law in the various states and how it impacts the appraisal process. After successful completion of this double-session workshop, the names of attendees will be listed on the WIND website for three years to confirm that they are a WIND Certified Appraiser®.


Faculty: John Voelpel, Voelpel Claim Service, Inc.; Jon Doan, Claims Consultants Group; Javier Delgado, Merlin Law Group
; Peter Kapas, Onsite Claims Service, Inc.

DATE: Wednesday, Jan. 17, 1:30 pm – 3:15 pm and 3:45 pm – 5:30 pm
Requirements: Space is limited per session and advanced registration is mandatory for admission. Upon check-in at the conference, attendees will be provided with a certificate in the conference materials that must be presented for entrance to the workshop.
Note:  A WIND Certified Appraiser® is one who has successfully completed the class offered by WIND, agrees to abide by the WIND Appraiser Code of Ethics, and maintains his/her membership with WIND. Persons desiring to be listed on the WIND website as a WIND Certified Appraiser® must submit a signed application that they have attended the class and that they will abide by the WIND Appraiser Code of Ethics. A WIND Certified Appraiser’s name will remain on the website for three years after his/her application is received. WIND membership is a requirement to be listed on the website. An application will be distributed at the conclusion of this class for all attendees, as well as sent to all attendees at the successful conclusion of this certification.


Appraiser Re-Certification (F1a) (F1b)
Note: This is a double-session workshop that is for Appraisers who have already taken the Appraiser class. Appraiser recertification needs to be taken every 3 years.


The workshop is designed to provide an interactive learning experience. Real-life scenarios will be utilized to promote discussion of the duties and responsibilities of the appraiser. Common issues and problems that often arise during an appraisal will be addressed, as well as effective methods and techniques to facilitate an appraisal from beginning to conclusion. The workshop will also include a discussion of ethical considerations and changes in case law impacting the appraisal process.


Faculty: Dan Luby, Precision Advisors, Inc.; Keith Womack, Restoration Specialists of Florida, Inc.; Javier Delgado, Merlin Law Group: John Voelpel, Voelpel Claim Service, Inc.; Rami Boaziz, Stellar Public Adjusting Services

DATE: Friday, Jan. 19, 8:30 am – 10:15 am and 10:45 am – 12:30 pm

Building From the Ground Up: The How, Why, & What of Concrete Homes for Adjusting Claims (W2) (TH14)


The purpose of this presentation is to teach property adjusters in Florida how concrete homes are built. Adjusters evaluate insurance claims and need to know what is hidden behind the walls. They need this knowledge to make sure they estimate repairs completely and fairly. Many new adjusters do not know quite how homes are built. This workshop will help them to better serve their carriers and insureds.


Faculty: Gordon Berken, Paul Davis Restoration of Broward and North Miami; Jack Dolan, Rimkus

DATES: Wednesday, Jan. 17, 10:30 am – 12:15 pm
 Thursday, Jan. 18, 1:15 – 3:00 pm



Changes in the Wind: the Future of SIU/Anti-Fraud Compliance for Carriers, Agents, and Adjusters (W15) (TH1)


The cost of fraud is ripening and the effect on consumers is being noticed more by legislatures. This means new discussions, lobbying, and ultimately, new law and regulations. Recent law was enacted that will expand the demands on carriers,and ultimately, on agents and adjusters. This topic will be timely as 2018 begins new deadlines that carriers must meet to be in compliance.


Faculty: Eva Mowry, Beachside Insurance Services; Ray Blacklidge, General Counsel, American Traditions; Evangelina Brooks, Bureau Chief,  Bureau of Insurance Fraud, Division of Investigative and Forensic Services

DATES: Wednesday, Jan. 17, 3:45 pm – 5:30 pm
 Thursday, 8:15 am – 10:00 am 



Commercial Claim Boot Camp: A Guide to Handling Commercial Windstorm Claims (W9) (TH2)


This presentation aims to give the professional a solid foundation for understanding commercial windstorm claims. We will discuss various standard commercial policy provisions that frequently arise in commercial windstorm claims and explain these provisions with respect to common adjustment issues. We will also discuss topics such as who is covered, what is covered (including a discussion of Business Interruption), standard exclusions/limitations in a commercial policy, Duties In The Event of Loss, and adjustment mechanics featuring insurer and insured adjustment professionals addressing their advice from years of commercial claim experience.


Faculty: William Collum, Butler Weihmuller Katz Craig LLP; Mike Giasi, Giasi Law, P.A.; Patrick Garrett, SPPA, AIC, CGC, North American Insurance Consultants, Inc.; Andrea Matott, CPCU, AIC, AU, AIS, Beazley USA

DATES: Wednesday, Jan. 17, 1:30 pm – 3:15 pm
 Thursday, Jan.18, 8:15 am – 10:00 am


Concurrent Cause Conundrum (F4)


Courts have recently revisited application of the “efficient proximate cause” doctrine to determine the burden of proof for application of exclusionary language in property insurance policies. The Supreme Court of Florida recently affirmed the minority “concurrent causation” rule which dramatically narrows application of exclusionary language and many would say eviscerates many causation exclusions entirely. The presentation will discuss the underlying tenets of each standard of proof, and comment on industry and policyholder approaches to proving and avoiding exclusions in standard form commercial property policies.


Faculty: Alycen Moss, Cozen O’Connor; Christopher Mammel, Merlin Law Group. P.A.

DATE: Friday, Jan. 19, 10:45 am – 12:30 pm

Contractors Acting as Public Adjusters: New Florida Laws, How AOB’s Effect Them (TH8) 


CS/CS/HB 911 passed the House on April 26, 2017, and subsequently, passed the Senate on May 5, 2017. This bill will come into effect on Jan. 1, 2018. The bill was passed in order to limit people acting as public adjusters under the title of “loss consultants,” and roofing/contractor salespeople who advertise to “negotiate your insurance claim.” For the first time, carriers had a bigger target than Pubic Adjusters, and have strengthened language and penalties for the Unlicensed Act of Public Adjusting
.

Faculty: Tara Munoz, President, Your Private Adjuster; Kelly Kubiak, Merlin Law Group; Robert Horwitz, Conroy Simberg; Joe Graham, Precision Roof Consulting

DATE: Thursday, Jan. 18, 10:30 am – 12:15 pm

Cruisin’ the Coast: Property Case Law Update (TH9) (TH20)


This update will include recent case law from Alabama, Mississippi, Louisiana, Texas, Georgia, North Carolina, South Carolina, New York, and New Jersey. Florida will not be covered herein. This class will be an interactive and informative session geared towards, lawyers, adjusters, and insurance company personnel.


Faculty: Christina May Bolin, Alford Bolin, LLC; Mary Fortson, Merlin Law Group

DATES: Thursday, Jan. 18, 10:30 am – 12:15 pm 
 Jan. 18, 3:30 pm – 5:15 pm

Current Trends in Alternative Dispute Resolution: Mediation, Appraisal, and Managed Repair Programs (W10) (TH21)


The presentation will provide a summary overview of current trends and issues surrounding alternative dispute resolution, including its practical effect on consumers and insurers. This class will include both lecture and interactive facets to provide attendees with a beneficial understanding of Florida law and general practice on mediation, appraisal, and managed repair programs. The presenters will examine the practical effect of alternative dispute resolution on the insured’s compliance with post loss conditions, and the insurer’s claim investigation and its exposure in potential litigation of a claim. The presenters will review and analyze recent Florida case law on alternative dispute resolution and will address the potential benefits and pitfalls associated with same to allow attendees to experience that unique aspect of alternative methods to resolving the claim. The presentation is also designed to educate the attendees on the obligations of an insured and insurer in the alternative dispute process, and will address the contractual limitations that set the parameters for these issues.


​​​​Faculty: Roland Bernal, Bernal & Bernal; Andrew McDonald, McDonald Barnhill; Ted Jerger, American Traditions Insurance Company & Modern USA Insurance Company

DATES: Wednesday, Jan. 17, 1:30 pm – 3:15 pm
 Thursday, Jan. 18, 3:30 pm – 5:15 pm


Filling Up on Florida Property Case Law (W3) (TH15)


This interactive workshop will address fact patterns contained in cases to generate discussion about how the audience feels the matter should be resolved and the panel will present the case and the holding. Interspersed in the presentation, there will be discussion on recent Florida case law and the most current coverage issues.


Faculty: Thomas Keller, Butler Weihmuller Katz Craig LLP; Dave Murray, Danahy and Murray


DATES:  Wednesday, Jan. 17, 10:30 am – 12:15 pm
 Thursday, Jan. 18, 1:15 pm – 3:00 pm


Florida Building Code Update (W16) (TH3)


A summary of the changes and provisions new to the 6th edition of the Florida Building Code – Building and Existing Building Editions will be presented in this course. The attendees will become familiar with the changes and will be able to appreciate the changes in the new code when looking at new construction.


Faculty: David Compton, Bracken Engineering, Inc., Clayton Prescott, Prescott Engineering, Inc.

DATES: Wednesday, Jan. 17 3:45 pm – 5:30 pm
 Thursday, Jan. 18, 8:15 am – 10:00 am

Game of Drones: Advancement in Technology in Addressing Property Claims and Its Admissibility (W11) (TH22)


The program will explore the use of advanced technology in claims adjusting including laser scanning, drones, beta testing, and virtual technologies. It will include actual case studies in which these technologies were used to advance the claims evaluation, management, and resolution. Attorneys will then discuss the uses of these technologies in litigation and the technologies’ admissibility.


Faculty: Melissa Sims, Berk Merchant & Sims; Meghan Moore, Ver Ploeg & Lumpkin; Paul McCullough, SEA Limited; Jose Palacios, Peninsula Insurance Bureau

DATES: Wednesday, Jan. 17, 1:30 pm – 3:15 pm
 Thursday, Jan. 18, 3:30 pm – 5:15 pm

Impartiality in Appraisal: Lessons Learned (W17) (TH16)


Recent case law and policy language have potentially changed the ground rules for appraisal. Where it was once considered acceptable, and indeed expected for the parties to appoint appraisers to serve as their advocates in appraisal, many policies now require the parties to appoint “impartial” appraisers, using language akin to the neutrality requirement for umpires. Several courts have disqualified appraisers who are not impartial, and at least one federal court has sanctioned a party and its counsel for appointing an appraiser lacking impartiality. This course will focus on recent developments regarding appraisal; ethical issues involving appraisal; policy language; advocacy in appraisal form a historical context; and practical pointers in dealing with appraisers, and for appraisers to consider.


Faculty: William Berk, Berk, Merchant & Sims; Hugh Lumpkin, Ver Ploeg & Lumpkin, PA, Art Newman, Belfor

DATES: Wednesday, Jan. 17, 3:45 pm – 5:30 pm
 Thursday, Jan. 18, 1:15 pm – 3:00 pm

Litigating Property Insurance Fraud Claims: Wind & Related Cases (W12) (TH10)


Workshop attendees will have an opportunity to discuss, analyze, and debate recent developments in fraud litigation. We will look at the most recent case law, statutes, and trends affecting wind and related claims. From this exciting discussion, you will be able to predict trends within the law, distinguish the law of different jurisdictions, and keep in touch with developing arguments and issues that affect this field. You will also be equipped to avoid the facilitation and appearance of fraud.


Faculty: Andrew Rock, The Rock Law Group, PA; Ty Tyler, Tyler Hamilton, P.A.

DATES: Wednesday, Jan. 17, 1:30 pm – 3:15 pm
 Thursday, Jan. 18, 10:30 am – 12:15 pm

Making the Most of Expert Depositions (W4) (TH11)

​This session will describe how to understand and best utilize expert witness testimony on critical issues, highlighting with examples the use of experts on causation.

Faculty: Evelyn Merchant, Esq., Berk Merchant & Sims, PLC; Stephen Marino, Esq. Ver Ploeg & Lumpkin

Dates: Wednesday, Jan. 17, 10:30 am - 12:15 pm Thursday, Jan. 18, 10:30 am - 12:15 pm

Math or Myth: Calculating Actual Cash & Replacement Cost Values after a Windstorm (W18) (TH23)


There are many issues that arise in the context of measuring actual cash value and replacement cost. This course will address some of the more prevalent issues raised in property claims arising, including a practical discussion as to what constitutes a replacement of “like kind and quality.” The session will also address valuation of replacement cost and actual cash value issues from outside forces such as an area-wide catastrophe affect the cost of labor and material. This course also will address certain issues such as (obsolescence) raised when stock, as opposed to real property, is damaged and submitted as part of the windstorm claim. We will briefly discuss how the application of a policy’s coinsurance provision may be affected by the valuation of the loss at either an actual cash value or replacement cost basis.


Faculty: Kristine Elkind, MDD Forensic Accountants; Shannon O’Malley, Zelle LLP; Jonathan Held, JS Held; Kenneth Ritter, Quantum Global Advisors; Arnold Mascali, Procor Solutions & Consulting

DATES: Wednesday, Jan. 17, 3:45 pm – 5:30 pm
 Thursday, Jan. 18, 3:30 – 5:15 pm


Merlin vs. Badger: The Great Debate Sequel (W5) (TH17)


The instructors, William F. “Chip” Merlin and Steven J. Badger, -- a plaintiff attorney and insurance defense attorney -- are well versed in all first party claims issues and in working with adjusters, appraisers, and umpires toward the resolutions of claims. This presentation will be a 1 hour 45 minute long discussion and debate on current developments and issues in the appraisal process and the ethical handling of hail damage claims.


Faculty: William "Chip" Merlin, Merlin Law Group; Steven Badger, Zelle, LLP


DATES: Wednesday, Jan. 17, 10:30 am – 12:15 pm 
 Thursday Jan. 18, 1:15 pm – 3:00 pm


Methods for Making Mediation Meaningful (W6) (TH4)


This course will be geared towards explaining techniques parties can use to maximize the benefits that can be derived from participating in mediation. From understanding the time frame in which mediation can be most beneficial, to identifying what evidence should be shared or withheld at mediation, the class will be designed to help parties plan and prepare to successfully mediate their claims. Additionally, this course will explain the mediation process, as compared to informal settlement discussions, appraisal and arbitration, with the goal of demonstrating how parties can determine which form of alternative dispute resolution will best address the specific circumstances of a particular dispute. Further, we will discuss different viewpoints parties often have concerning mediation (e.g. carriers’ strategies for mediation vs. insureds’ strategies for mediation) and how these viewpoints impact parties’ decisions regarding: 1 - When to mediate their dispute; 2 - Whether to mediate voluntarily, or wait for an Order requiring mediation; and 3 - What information to disclose at mediation when an impasse may occur.


Faculty: Illon Kantro, Berk Merchant & Sims; Lenox Godfrey, Florida Insurance Guaranty Association, Inc.; Maria Fuxa, Geyer Fuxa Tyler, PLLC; Eric Kleinman, K&A Mediation; Donald Phillips, President FAPIA


DATES: Wednesday, Jan. 17, 10:30 am – 12:15 pm 
 and Thursday, Jan. 18, 8:15 am – 10:00 am



National Flood Insurance Program (NFIP) Adjuster Certification (F3)


(NOTE: This will be offered on Friday, January 19, 2018. Please note the class time is 8:30 am - 5 pm. Please note that lunch will be on your own)

This multi-session program will update the current status of claims handling of the National Flood Insurance Program policies and provide an opportunity for participants to renew or obtain certification for adjustment of flood claims. (NFIP Certification and CE credits will be provided separately by AE21 Incorporated). Participants must be a fully paid 2018 WIND Conference attendee.


Faculty: David Serfass, NFIP Instructor, Alamo Claim 
Service


DATE: Friday, Jan. 19, 8:30 am – 5:00 pm

Open the Floodgates: Is It Wind or Flood? (W19) (TH18)


This presentation will help separate damage to structures due to storm wind from damages caused by flood. Discussion will focus on wind loads and how buildings respond to wind force and how structures respond to rising water, including wave action.


Faculty: Ken Gilvary, IAS Claims Services; Stephen Pate, Cozen O’Connor; Vincent Morgan, Pillsbury

DATES: Wednesday, Jan.17, 3:45 pm – 5:30 pm
 Thursday, Jan. 18, 1:15 pm – 3:00 pm

Simsol: Claims Software Training Class – Part 1 (T1) & Part 2 (T3)

​The Simsol Software Session is a condensed course that covers all the basic and fundamental features of the Simsol property estimating program, including the enhanced features of version 8.0. This 4-hour class is divided into 2 sections; the first section is geared towards beginners and the second section is for seasoned users. Whether you’re a Simsol veteran interested in the latest features or searching for an easy to use estimating software with proven tools, this class is for you!

Participants are strongly encouraged to bring their laptop or tablet computer with the latest version of Simsol installed. We offer a free-30 day trial of Simsol that is available at simsol.com/demo.


Faculty: Danny Sutliff, Simsol Software

DATE: Part 1 - Tuesday, Jan. 16, 12:00 – 2:00 pm 
DATE: Part 2 - Tuesday, Jan. 16, 2:00 pm – 4:00 pm

Subrogation: How to Maximize Claim Recovery for Insureds and Carriers (W7) (TH24)


Subrogation claims are a fast-growing trend in claim recovery. This presentation will focus on how both the insurer and the insured can maximize their recovery in the situation where a third party may be responsible for some or all of the loss. Learn how the carrier can recoup some of its claim payment through subrogation and how the insured can be made whole through subrogation in the event of an over-limits loss or a partially uninsured loss. Adjusters and Attorneys will benefit from this seminar that will explore ways to work together to maximize recovery and minimize loss.


Faculty: Amy Boggs, The Law Office of Amy Boggs, PA; Sean Ravenel, Butler Weihmuller, Katz, Craig, LLP;
Chris Fitzpatrick, Crawford & Co
.; Jason Juday, Integrity Public Adjusting

DATES: Wednesday, Jan. 17, 10:30 am – 12:15 pm
 Thursday, Jan. 18, 3:30 pm – 5:15 pm

Symbility: Claims Software Training Class - Part 1(T2) & Part 2 (T4)
Symbility Solutions will provide a comprehensive training session aimed at both beginner and advanced users of Mobile Claims. The first part of the session will focus on some of the more elementary features of Mobile Claims, such as claim set-up, navigation, floor plans, roof plans, and estimating basics. The second half of the class will provide an in-depth overview of coverage settings, claim status vs. assignment status, managing claim ownership, as well as a detailed explanation of the functionalities of floor plans, roof plans, exteriors, and estimate reviews.


Faculty: James Williams, Symbility Solutions
DATE: Part 1 - Tuesday, Jan.16, 12:00 – 2:00 pm  Part 2 - Tuesday, Jan.16, 2:00 – 4:00 pm


The Importance of Time and Money (W13) (TH5)


The presentation will focus on undisputed and partial payments, including when and under what circumstances, a policyholder is entitled to the payment of “undisputed amounts” before the final resolution of a claim. The session will also focus on the information that must be included in a sworn statement in proof of loss, its effect on an insurer’s evaluation and adjustment of a claim, and the its impact as a trigger in starting the clock on an insurer’s deadline to make undisputed payments on a claim. Finally, the presentation will focus on the benefits of timely payments for the policyholder and the repercussions of untimely payments for the insurer, including, but not limited to, the insurer’s bad faith exposure as a result of failing to make undisputed payments in a timely manner.


Faculty: Laura Farach, Robinson & Cole LLP; Matthew Weaver, Ver Ploeg & Lumpkin, P.A.

DATES: Wednesday, Jan. 17, 1:30 pm – 3:15 pm
 Thursday, Jan. 18, 8:15 am – 10:00 am

Umpire Certification (TH6a) (TH6b)
(Note: This is a double-workshop session.)
The purpose of this workshop is to prepare the professional to act as an umpire when appointed by the appraisers in the appraisal process. The panel will discuss all aspects of being an umpire from the time of the interview by the appraisers through signing an award. There will be special emphasis on how to conduct an appraisal focusing on ethics, procedural, and legal issues.


Faculty: John Voelpel, Voelpel Claim Service, Inc.; Jon Doan, Claims Consultants Group; Janet Brown, Esquire; Wayne Taylor, Mozely, Finlayson & Loggins, LLP; Sr. Judge Thomas Turner

DATE: Thursday, Jan. 18, 8:15 am – 10:00 am and 10:30 am - 12:15 pm 

Note: To be included in the WIND Certified Umpire Directory, a separate application process and fee is required. Applications and information will be discussed in the class.

Requirements: Space is limited and advanced registration is mandatory for admission. Upon check-in at the conference, attendees will be provided with a certificate in the conference materials that must be presented for entrance to the workshop.


Umpire Re-Certification (TH7a) (TH7b)
(Note: This is a double-session workshop that is for Umpires who have already taken the Umpire class. Umpire recertification needs to be taken every 3 years.)

This workshop is designed to provide an interactive learning experience. Real-life scenarios will be utilized to promote discussion of the duties and responsibilities of the umpire. Common issues and problems that often arise during an appraisal will be addressed, as well as effective methods and techniques to facilitate an appraisal from beginning to conclusion. The workshop will also include a discussion of ethical considerations and changes in case law impacting the appraisal process.


Faculty: Dick Tutwiler, Tutwiler & Associates; Art Newman, Belfor USA; Wayne Taylor, Mozely, Finlayson & Loggins, LLP
; Sr. Judge Thomas Turner

DATE: Thursday, Jan. 18, 8:15 am – 10:00 am and 10:30 am – 12:15 pm

Requirements: Space is limited to 75 registrants per session and advanced registration is mandatory for admission. Upon check-in at the conference, attendees will be provided with a certificate in the conference materials, which must be presented for entrance to the workshop.



Wear and Tear vs. Wind: Understanding the Difference (W14) (TH25)


In the recent case that came out this year, American Home Assurance v. Sebo, the Florida Supreme Court ruled on whether there is coverage when faulty construction combines with a covered weather event to produce a loss. Property insurance policies tend to have exclusions for damage caused by faulty construction, failed maintenance, or construction defect. However, this exclusion has an ensuing loss exception. Therefore, if water intrusion occurs as a result of any of the above, there can coverage for this type of loss. Ensuing loss damage is often misunderstood by insurance carriers and public adjusters alike. The Florida Supreme Court, recently in Sebo, discussed coverage issues resulting from weather conditions combining with faulty construction and ensuing loss. The concurrent causation doctrine was discussed and ruled upon in Florida, paving the way for an extension of coverage when an excluded loss and a covered cause of loss combine. During the panel discussion, we will have legal insight from a policyholder’s perspective as well as the insurance carrier’s perspective as we hear the law and interpretation of the law from both sides. We will then present perspectives and explanations from a structural engineer who will discuss how they determine whether faulty construction has contributed to the loss or whether ensuing loss coverage has occurred, or whether the loss was caused by a weather event, or a combination of all three. This will be a discussion on scientific proof of the cause of loss as well as legal interpretation for whether or not coverage should apply. We will also present case examples and have an open forum discussion.


Faculty: Vanessa Ross, Stockham Law Group; Thomas Diana, Zinober Diana; Roger Jeffrey, Terracon

DATES: Wednesday, Jan. 17, 1:30 pm – 3:15 pm 
 Thursday, Jan. 18, 3:30 pm – 5:15 pm

What’s the Right Answer: The Ins & Outs of Deposition Testimony (W20) (TH12)


This workshop provides a guide to claim representatives, contractors, and adjusters, both public and independent, about how to competently and effectively prepare for and testify in a deposition.


Faculty: Gina Clausen Lozier, Berger Singerman; Robert Dehne, Groelle & Salmon, PA; Don Grimm, Universal Insurance Managers, Inc.; Edward Bittman, Five Star Claim Adjusting


DATES: Wednesday, Jan. 17, 3:45 pm – 5:30 pm
 Thursday, Jan. 18, 10:30 am – 12:15 pm

Where Wind Meets Fire… Interesting Issues in Claims Where the Wind Brings Fire, Smoke, Soot, and Ash to Other Properties (W21) (TH19)


In this course, we will discuss claims and coverage issues that arise when wind meets fire, with a focus on losses that happen at a location other than the fire origin. We will discuss claims of wildfire spread, but also the more complex losses that are caused when smoke is present in the area, and what effect smoke, soot, and ash can have on property that is not fire damaged in the typical fashion or traditional ways. Developing decisions in case law will also be discussed by the panelists, and an industrial hygienist will present issues of air quality in claims where the wind blows in smoke, soot, and ash.


Faculty: Nicole Vinson, Merlin Law Group, P.A.; Rick Tutwiler, Tutwiler & Associates;
 Matthew Garnett, Vernis & Bowling of the Gulf Coast, P.A.; Heather Fileagar, Southern Healthy Homes & Business, LLC.

DATES: Wednesday, Jan. 17, 3:45 pm – 5:30 pm
 Thursday, Jan. 18, 1:15 pm – 3:00 pm


Xactimate Claims Software Training Class: Total Loss Estimating in Sketch (F2)

Total loss in Xactimate the easy way. See how to estimate a total loss the fast way using Sketch. Framing, electrical, plumbing, flooring and more. Open forum for anything Xactimate related at the end of presentation.

Faculty: Chris Hatcher, AIC, ACA, Xactimate Certified Trainer, Top Adjuster Training

DATE: Friday, Jan. 19, 8:30 am – 10:15 am

Please note that WIND does not audio or videotape workshops nor are attendees authorized to audio or videotape any portion of the WIND Conference. Workshop presentations and speakers are subject to change.

The Simsol Software Session is a condensed course that covers all the basic and fundamental features of the Simsol property estimating program, including the enhanced features of version 8.0. This 4-hour class is divided into 2 sections; the first section is geared towards beginners and the second section is for seasoned users. Whether you’re a Simsol veteran interested in the latest features or searching for an easy to use estimating software with proven tools, this class is for you!

Participants are strongly encouraged to bring their laptop or tablet computer with the latest version of Simsol installed. We offer a free 30 day trial of Simsol that is available at simsol.com/demo.
WPLG Local 10 Hurricane Specialist; Former Director of the National Hurricane Center, 2000 - 2007