Insurance Issues Related to Working from Home. Due to the Covid-19 Virus, many people are working from home. I know, I am. Even though our office is staffed behind a locked front door entrance with only two visitors allowed at any one time some of us are working from home. We have purchased some great software that allows us to access our office computers from our homes. However, since my business is adjusting claims for the benefit of insureds (as opposed to someone who adjusts claims for the benefit or insurance companies), I would pose the question: how does all of this working from home impact in relation to insurance?
As a public adjuster who has been around a long time, please know I have seen the underbelly of the insurance industry. I have seen insurers deny claims because a business was run out of an insured’s home. Particularly painful was an experience I witnessed when a major insurer denied a fire claim because the insured, who would become our client, sewed uniforms for the Old Tucson Amusement Park which her insurer considered as operating a business from her home. It took me a year to get that one resolved in her favor but sometimes it is more difficult to do so. I can’t tell you of the difficulty I had with an insured’s claim when the insured hired us when her claim had gone to never-never land. She had several horses and, yes, she sold one of those baby horses after it was born. Her insurance company would not pay the claim because they said she was operating a horse business at her home. My arguments didn’t amount to much to this insurer even though they were right on the law. We