Quality Claims a Sponsor at Lipton Cup Challenge

Quality Claims is a proud sponsor of the 98^th annual Lipton Cup Challenge.  Hosted by the San Diego Yacht Club (SDYC), the Lipton Cup regatta has been notorious for being a prestigious event for sailors in southern California.  Catch a glimpse of the Quality sail this weekend at the San Diego Bay.  For more information, visit:  http://sdyc.org/

Governor Cuomo Announces Homeowners Will Not Have to Pay Hurricane Deductibles

 

 

Governor Cuomo Announces Homeowners Will Not Have to Pay Hurricane Deductibles

Department of Financial Services Working Closely with Insurers to Speed Response to Homeowners Who Experienced Losses

New Yorkers Can Call DFS Disaster Hotline for Help

Albany, NY (October 31, 2012)

Governor Andrew M. Cuomo today announced that New York homeowners will not have to pay potentially large hurricane deductibles on insurance claims stemming from damage caused by Monday’s storm.

The New York State Department of Financial Services has informed the insurance industry that hurricane deductibles should not be triggered for this storm. This will prevent coastal homeowners from having to pay deductibles in their insurance policies.

“Homeowners should not have to pay hurricane deductibles for damage caused by the storm and insurers should understand the Department of Financial Services will be monitoring how claims are handled,” Governor Cuomo said.

Many homeowners’ insurance policies for homes located in downstate areas contain hurricane deductibles based on a percentage of a property’s insured value. These deductibles typically range from one percent of a home’s insured value to five percent. So for example, with a five percent deductible on a home insured for $300,000, the homeowner would have to pay for the first $15,000 of damage.

Benjamin M. Lawsky, Superintendent of Financial Services, said, “We have informed the insurance industry that hurricane deductibles are not triggered because Sandy did not have sustained hurricane-force winds when it made land in New York. We will be working with insurers to help them respond as quickly as possible to homeowners who need to file claims. And we will be sending our mobile command center to hard hit areas to help consumers with insurance questions and problems.”

DFS urges homeowners who experienced property losses to file insurance claims with their insurers promptly and as soon as possible after losses occur. It is important to provide policy numbers and all information relevant to the loss. To best document losses, homeowners should to take photos or videos showing the extent of the losses before cleaning up damage.

Homeowners should make only necessary repairs to prevent further damage to property, like covering broken windows. Permanent repairs should not be made until after insurers have inspected losses. Damaged personal property should be kept until after an insurance settlement has been reached.

In addition, homeowners should cooperate fully with their insurer and keep a diary of all conversations with the insurance agent, including the agent’s name, as well as the times and dates of all calls or visits.

Homeowners are also reminded that flood damage is only covered by flood insurance, which is a federal program administered by FEMA. Homeowners who have flood insurance and have flood damage should make claims through that insurance.

DFS will be sending its mobile command center to hard hit areas to help consumers with insurance questions and problems.

DFS has activated a Disaster Hotline to answer consumer questions and help with problems. The Disaster Hotline number is 800-339-1759. It is staffed Monday – Friday from 8 AM – 8 PM and Saturday - Sunday from 9 AM – 4 PM.

Homeowners unable to resolve disputes with insurers can file complaints at http://www.dfs.ny.gov/consumer/fileacomplaint.htm.

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NAPIA Offers Tips to Consumers for Hurricane Sandy Insurance Claims

National Association of Public Insurance Adjusters

FOR IMMEDIATE RELEASE

NAPIA Offers Tips to Consumers for Hurricane Sandy Insurance Claims

Potomac Falls, Virginia (October 29, 2012) – With Hurricane Sandy wreaking havoc up and down the east coast, members of the National Association of Public Insurance Adjusters (NAPIA) offer the following tips to property owners who may experience property loss as a result of the storm:

• Immediately consider the use of a public adjuster to help you settle a claim. Public adjusters work for consumers, interacting with insurance companies and their independent adjusters to fairly and timely settle claims. In a storm such as Sandy, there may be an effort by insurers to settle claims quickly; a public adjuster can assure that the settlement is also consistent with the terms of your coverage.
• Due to the type of storm this is, your policy may have a deductible that applies to hurricanes. This can be a tricky and complex area to navigate as it is often difficult to determine which deductible may apply -- this will depend on numerous factors and the specific timeline of events of the loss.

·            Check to make sure that the public insurance adjuster you do select is licensed if the local jurisdiction requires it (45 states currently have a licensing statute), and know if your jurisdiction has limits on the fees that can be charged by a licensed adjuster. In many cases, fees may be capped given the size of the storm and the number of claims it produces.

·            Ask the public adjuster for their professional qualifications, past experience and whether they have been cited by their regulators for poor or unethical performance before you sign anything;

·            Know that insurers cannot prohibit a property owner from utilizing the services of a public insurance adjuster;

·            Understand that independent adjusters and insurance company adjusters represent the interests of the insurance company, and do not represent the interests of the claimant.

·            Be aware that many contractors, roofers and others hold themselves out as public adjusters, and that the unauthorized practice of public adjusting is illegal in many states.

Check to see if your public adjuster is a member of NAPIA by visiting www.napia.com or by calling 1-703-433-9217. Also, do not hesitate to contact NAPIA or your local state insurance department if you believe that a public adjuster is acting improperly or someone is acting like an adjuster without a license.

“We hold our members to the highest standards of ethical conduct and professionalism,” said NAPIA President Ronald Reitz, CPPA. “With meteorologists calling for this storm to cause severe property damage, consumers should not hesitate to reach out to our members should they need any assistance in filing their insurance claims.”

Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company. To find a member of NAPIA who can assist you in preparing your claim, visit http://www.napia.com/search/index.asp.

NAPIA strongly encourages the public to reach out to their insurance departments or other regulators of public adjusters to know more about the critical role that public adjusters play, or to report concerns over the actions of parties purporting to be public adjusters. The public can also reach out to NAPIA with any questions or concerns by calling 1-703-433-9217.

To read NAPIA’s Top Ten Tips for Maximizing Claims After a Storm or Natural Disaster, visit http://www.napia.com/news/documents/NAPIAStormTipPressRelease.pdf.

Founded in 1951, the National Association of Public Insurance Adjusters (NAPIA) promotes the highest standards of professional education, conduct and ethics in the field of public insurance adjusting. NAPIA’s 750 plus members are committed to working in the best interest of their client – the policyholder – and to conducting business with honesty and integrity. To find out more about the association, please visit www.napia.com.

Media Contact:

Marjorie Musick, Director of Communications and Events

marjorie@napia.com

(571) 217-2915

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The Great California ShakeOut

Quality Claims will join the Great California ShakeOut this week as they host their annual statewide earthquake drill.  The drill has garnered more than 9.1 million registered participants for 2012, and will officially shake out at 10:18 am on Thursday, October 18th.  Quality Claims’ Safety Squad strives to offer many drills and safety seminars for employees throughout the year.  For additional information on this week’s event and earthquake preparedness tips, please visit:  shakeout.org/california.

Quality Claims to Present at National 2012 First Party Claims Conference

Quality Claims’ President Ron Reitz will present at this year’s First Party Claims Conference in Providence, Rhode Island.  The event is set to take place October 15-17.  Reitz will speak on Mortgage(e) Rights and Interests and the Dispensing of Insurance Proceeds.  The conference is a dynamic educational event for professionals in the first party property insurance claims community.  For additional information, visit http://www.firstpartyclaims.com.

Quality Claims Puts Safety First

Quality Claims’ Safety Squad recently visited Kensington Fire Station 18 to thank them for their service and contributions to the community.  The Fire Department offered Quality Claims helpful tips on fire safety and prevention earlier this year.  As we embrace fire season here in San Diego, it is important to keep this advice in mind.

Quality Claims at the San Diego Fall Home Show

Quality Claims exhibited at the San Diego Fall Home Show this past weekend.  They informed homeowners how to prepare for a property insurance claim and how to properly manage insurance claims after experiencing a loss to their home or business.  The San Diego Fall Home Show, held at the San Diego Convention Center, featured hundreds of exhibitors who offered home improvement products and services.

NAPIA Welcomes Quality Claims’ Ron Reitz as President

Quality Claims Management attended the Annual Meeting of the National Association of Public Insurance Adjusters (NAPIA) this past June to participate in discussions and educational sessions about Public Adjusting, and to witness the commencement of their own President, Ron Reitz, as NAPIA President for 2012-2013.  The NAPIA Annual Meeting, held at The Grand Del Mar in San Diego, had Public Adjusters and other NAPIA members from all over the country in attendance.

Ron Reitz, President of Quality Claims, carries a wealth of experience as he has been in the Public Adjusting field since 1994. The NAPIA community is excited to have him lead the organization for this coming year.  In addition to Ron’s presidential term commencement, Kim Cary, also of Quality Claims Management, was nominated to the Board of Directors for NAPIA.

The NAPIA Annual Meeting gives members the opportunity to network with fellow public adjusters from across the country and to advance their insurance knowledge.

Quality Claims at I-Day

Quality Claims recently had the exciting opportunity to exhibit at I-Day, an event connecting insurance brokers with vendors in the field.  Hosted by the Insurance Brokers and Agents of San Diego, this special event welcomed hundreds of veteran participants who have been in attendance annually for nearly two decades.

The Quality Claims Team educated insurance brokers about the added value a claims management company can offer their business.  Brokers can benefit by trusting Quality Claims with assistance in preparing, presenting, and negotiating a complex settlement on behalf of their client, the homeowner or business in the event of property damage.  By eliminating the broker from a possible “conflict of interest” between the insurance company and client, Quality Claims ensures a seamless transaction for all involved parties.

Quality Claims sponsors St. Augustine High School Baseball

Quality Claims recently committed to St. Augustine High School as one of the main sponsors for the Saints Baseball team.  St. Augustine High School, a Catholic school in San Diego, has had a very successful baseball program over the past 25 years as they have earned 15 league titles.  The Saints were also recently crowned Eastern League Champions in 2011.

Quality Claims is proud to sponsor Saints Baseball to help them continue their success and to support such a dedicated team.  Ron Reitz, President of Quality Claims, attended one of the Saints' games this past week and was able to show his support for the team.

Quality Claims Management Exhibits at the San Diego Spring Home Show

Quality Claims Management had the opportunity to participate in the San Diego Spring Home Show this past weekend.  The free event was open to the public and held in Downtown San Diego at the San Diego Convention Center.

Exhibitors from all avenues of home improvement were present to inform homeowners about their featured home products and services.  We were excited to share more about our company with the public and to offer advice to any attendees who may have experienced a disaster to their home or business.

Home insurance rates likely to go higher

By Adam Belz, USA TODAY
Homeowners insurance premiums are starting to rise after tornadoes, hail, winds and lightning slammed U.S. insurance companies' balance sheets throughout 2011.

Storms along the East Coast, tornadoes in the Southeast and in Joplin, Mo., and earthquakes in Japan and New Zealand wreaked havoc on insurance company finances, especially firms that might have too many policyholders in certain geographic areas, says Bob Skow, CEO of the Independent Insurance Agents of Iowa.

The numbers aren't in yet, since renewals don't all happen at one time, but Robert Hartwig, president of the Insurance Information Institute, says customers are starting to feel the cost of years of heavy losses, particularly in the Southeast and Midwest.

"We've had record losses for four straight years," he said. "My sense is that premiums will probably rise 4% to 5%."

In 2008, the average annual cost of homeowners insurance was $791, according to the Insurance Information Institute. Average premiums rose slightly to $799 in 2009 and $807 in 2010. Hartwig predicts that 2011's average premium will be about $840.

Insurers are charging more to cover higher loss projections and the rising cost of reinsurance — insurance on their insurance.

"Everybody got clobbered," Skow says.

Insured losses in the U.S. in the first half of 2011 were $17.8 billion, more than the $13.6 billion insurers paid in all of 2010, according to Munich Re, a giant European reinsurance company.

A few companies took enough losses they either had to scale back their exposure or became insolvent. Alfa Insurance, the second-largest home insurer in Alabama, announced in June that it would send non-renewal notices to 73,000 homeowners in the following 16 months. The late April outbreak of 300 tornadoes across the South — especially in Alabama — was the costliest storm in Alfa's history, the company reported

Three small insurance companies in Joplin became insolvent because of the May tornado that destroyed much of that town. The Missouri Farm Bureau is taking over policies for the companies, which had to pay out $48 million and didn't have adequate reinsurance to cover their losses, according to the Missouri Insurance Department.

ARTICLE SOURCE

Worst Natural Disasters of 2011 and Their Impact on the Insurance Industry

Posted on January 3, 2012 by Sergio Leal
It probably won’t surprise you to learn that 2011 was a record year for natural disasters in the U.S. According to the Insurance Information Institute (the “I.I.I.”), insurance companies will pay more than $32 billion in claims to help people rebuild homes and businesses damaged or destroyed by natural disasters in 2011, a record year for federal disaster declarations. Dr. Robert Hartwig, president of the I.I.I., said that “[t]he $32.6 billion figure doesn't even include the significant insured losses which arose after the pre-Halloween snowstorm, which caused enormous damage to multiple states along the Atlantic seaboard. Coupled with other events in 2011’s fourth quarter, direct insured losses could exceed $35 billion this year.”

Additionally, the I.I.I. reports that the federal government declared on 99 separate occasions this year that a major disaster existed after a natural disaster had occurred, easily breaking the previous record of 81, which was set in 2010. The 99 disaster declarations are nearly triple the average of 34 per year dating back to 1953, the I.I.I. added.

The federal National Oceanic and Atmospheric Administration (“NOAA”) announced that the U.S. was the site of 12 separate disasters, each of which caused at least $1 billion in aggregate damage in 2011. The previous record, set in 2008, was nine.

With all of these new records, you would think that the private insurance industry would be in a lot of trouble. Not so. According to the I.I.I., policyholders’ surplus –insurers’ net worth measured according to Statutory Accounting Principles – fell only four percent to $538.6 billion as of September 30, 2011, compared to $559.2 billion at year-end 2010. You read that right. Even though the insurance industry experienced one of its worst years ever, their net worth dropped by a mere 4%.

For more information, including a list of the 12 separate billion dollar disasters click here.

ARTICLE SOURCE

Insurance Commissioner Dave Jones Warns Californians to Prepare Now for Forecasted Winter Storms

Reminds Residents That Standard Homeowners Policies Do Not Cover Flood Damage; and Flood Insurance Policies Typically Take Effect 30 Days After Purchase

Weather forecasters predict severe storms will hit parts of already fire-impacted California early next year. Insurance Commissioner Dave Jones urges residents to review their insurance coverage regularly, including supplemental policies like flood insurance, and to conduct an inventory to ensure that their home and possessions are properly covered.

"Flooding can occur anywhere," said Commissioner Jones. "I strongly encourage all homeowners to document their possessions before any type of disaster strikes. It's stressful enough to lose your belongings when severe weather hits. But being prepared by having good records, including serial numbers, so you can better replace your possessions can lessen the blow."

Commissioner Jones reminds residents that in California, most standard homeowner's insurance policies do not cover mudslides. Residents are urged to contact their insurers to determine exactly what their current policies will cover and if buying flood insurance is the right option for them. A flood insurance policy typically takes effect 30 days after it is purchased. So with heavy rains predicted in the coming weeks and during the first three months of next year, now is the time to consider your options.

In 1968, Congress created the National Flood Insurance program (NFIP) in response to the rising cost of taxpayer-funded disaster relief for flood victims and the increasing amount of damage caused by floods. According to the Federal Emergency Management Agency (FEMA), flood insurance covers building contents. The cost is determined by several factors, including the region's flood risk, year the structure was built, and type of structure insured (residential versus commercial, single-family versus multiple-family).

FEMA manages the NFIP, which makes federally backed flood insurance available to homeowners, renters, and business owners in communities participating in the NFIP. According to the National Flood Insurance Program, in California, less than 255,000 households are protected by flood insurance, which equates to fewer than 2.5 percent of residents and business owners having flood insurance. To assess your need for flood insurance, go to the California Department of Insurance web site at http://www.insurance.ca.gov/. Additionally, the NFIP offers flood related bulletins and newsletters.

For more information about documenting your possessions or to receive a free home inventory guide, call the California Department of Insurance at 800-927-HELP or visit our web site.

Please visit the Department of Insurance Web site at http://www.insurance.ca.gov/. Non media inquiries should be directed to the Consumer Hotline at 800.927.HELP. Callers from out of state, please dial 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Saving on your insurance

United Policyholders is an excellent online resource for insurance consumers and provides some good tips for saving money as we move into the holiday season.

Kim Cary, CPPA
Senior General Adjuster at Quality Claims

Saving on your insurance

Everyone can use some extra money in their pocket during the holiday season. UP always encourages consumers to raise their deductible. Here are a few more tips for saving on your insurance from two members of our Agent/Broker Advisory Board:

"Make sure you are taking advantage of "affinity" discounts that may be offered as a member benefit by organizations or associations you belong to."
- Corrin S. Trowbridge, Pacifica, CA.

"Broker fees are typically negotiable. Always inquire if fees are flexible or if one broker fee can be applied to all your policies"
- Ambere St Denis, San Francisco, CA.

The Great California ShakeOut!



Last week on October 20th, Quality Claims participated in The Great California ShakeOut. Everyone at QCMC dropped, got under cover and held on for the duration of the drill.

The Great California ShakeOut is a statewide earthquake drill spanning all 58 California counties and Yuma County, AZ. More than 7.9 million Californians participated in 2010, practicing Drop, Cover, and Hold On and other aspects of family, school, and organizational emergency plans.



Quality Claims Announces Partnership with Docuhome

Homeowners and Renters Now Have No Excuse for Not Documenting their Possessions for their Insurance Policy

SAN DIEGO, CA – October 20, 2011

Quality Claims Management, (http://www.qualityclaims.com) a national leader in Public Insurance Adjusting, today announced that it has entered into a partnership with DocuHome to provide the best possible online home inventory and asset protection services.

Over the years, the Quality Claims team has helped thousands of fire, flood and disaster victims and learned that one of the biggest challenges is a homeowner’s lack of any reliable inventory of their possessions. Following a disaster, insurance companies need a complete and up to date inventory of their policy holder’s possessions in order to fully reimburse them for their loss. However, creating a complete and accurate inventory list AFTER a disaster is nearly impossible.

“We always tell people to prepare their home inventory list before they need it, before a disaster actually strikes,” says Ronald Reitz, President of Quality Claims and First Vice President of NAPIA, the National Association of Public Insurance Adjusters. “However, most people never get around to it. They are too busy, it’s too complicated, or they think they are unlikely to really need it. We have heard every excuse! That is why we have partnered with DocuHome.”

 DocuHome is the fastest and most complete home inventory software available. By using any digital camera or even a phone camera, the DocuHome step-by-step process makes creating a home inventory simple.  Not only is it easy to use, it is very affordable – about $69 a year!

Homeowners and renters start by taking photos of their home and its contents, room by room. After uploading the photos to their DocuHome account, they use the innovative DocuHome Tagging Inventory Creation Tool to tag the items (furniture, appliances, artwork, toys, electronics) in each photo with information about cost, purchase location, when acquired, and other relevant information about its value. Once the information is securely stored with DocuHome, it is safe and protected from any kind of disaster.

“We are proud to have partnered with Quality Claims Management, recognized nationally as the leader in recovery assistance for disaster victims. Quality Claims Management's unparalleled expertise in policy coverage is critical guidance in DocuHome's mission to help homeowners be prepared if a loss should occur," says Bradford Stanley, Chief Executive Officer of DocuHome. “Not only is DocuHome very secure, as all the information is stored online, the program is easy to use and some have said, fun.”

“Choosing the best home inventory application before you get started can mean the difference between successfully completing an inventory and never finishing,” adds Mr. Reitz.



DocuHome is the most comprehensive, easy to use home inventory product on the market today. Our patent-pending photo and tagging system is so easy to use, homeowners can photograph, assign a value, and safely store all of their possessions on-line in hours, not days. DocuHome has been featured on ABC News, AOL Real Estate, and many other business and consumer publications as one the smartest new technologies to come on the market. DocuHome is a privately held company and is headquartered in Santa Monica, California.



Next time I'll do it differently: Insurance regrets after disasters

 

"Be honest with your agent," says Reitz of Quality Claims  "Say, 'Here is the total square feet I have.'"

Read more: http://www.foxbusiness.com/personal-finance/2011/08/31/next-time-ill-do-it-differently-insurance-regrets-after-disasters/#ixzz1WiYAzFsn

Tenacious P(olicyholder)

... How to get your insurer to cover claim expenses

Listing and valuing damaged or stolen property and negotiating a settlement with your insurer can cost you a lot of time and money. But unless it's a business loss, you'll have to be tenacious to get your insurer to reimburse you for expenses related to documenting (preparing) your claim.

The insurance claim process after a large loss can be a full time job. Countless hours at the loss site, answering questions, making phone calls and dealing with paperwork. If you're self-employed, this means you'll lose income. Time is money. You may need to pay for professional help... an estimator, air quality tester, accountant, public adjuster or an attorney.

Business policies often specifically cover "claim preparation" expenses. If your claim is personal, you'll have to negotiate with the insurance company adjuster to get these expenses covered. Depending on the wording of your policy, you may be able to get them reimbursed under "Additional Living Expense" or similar type of coverage for extra expenses that are incurred due to a loss. Make sure to keep good records and present a clear request in writing that outlines time and money spent preparing your claim.

For more detailed tips, read our newest addition to the UP Claim Help Library: Reimbursement for claim preparation expenses.

What Is the Claims Process for Disaster Victims?

By Ron Reitz

 

The Five Steps to Recovering Your Life After Your Home and Life Have Been Destroyed
Why use a Public Insurance Adjuster?

1. Read everything carefully before you sign anything. Your insurance company's representatives will first present you with emergency money - for immediate needs and shelter. The second round of payouts is where you need to be careful. Do not sign anything that limits your rights to seek additional proceeds.

2. Find a copy of your insurance policy. If it is destroyed or is not accessible, you should be able to get a full copy of the original insurance policy with all of its endorsements from the agent who sold you the coverage.

3. Make sure your family is safe. Most insurance policies include language that enables you to find a residence similar to your existing one. Find a hotel or rental home close to work or your kids' school that is adequate in size and clean and comfortable. Find a place similar in size and accommodations to your previous residence.

4. Get some professional help. Insurance companies hire and train their adjusters to represent the interests of the insurance company and ultimately, its investors. In many instances those adjusters do a great job helping their policyholders. However, sometimes their adjusters are too keenly focused on the bottom line of the insurance company instead of paying the policyholder what they are rightly due under the terms of their insurance policy. If you have doubts about what your insurance company is telling you, or you are simply do not have enough time and expertise to completely value and settle your claim, contact a professional that will work for you and will only represent your best interests.

5. If you go it alone, go slowly and take your time. The insurance company may pressure you to speed up the process - you may be anxious to put all of this behind you as quickly as possible in order to get back to your life, but you need to resist that urge. In these types of cases, especially with homes that have many improvements and renovations, or with families with lots of possessions, haste definitely makes waste. Take your time and carefully review each and every document before signing anything. If you don't agree with the estimates for repair or replacement provided by your insurance provider, fight back.

Why use a Public Insurance Adjuster.

In many cases, the Public Adjuster is able to get more money from the Insurance Company than you will be able to on your own. Even after deducting the Public Adjuster's small percentage fee (much less than using a lawyer), you will probably still come out ahead.

For most families affected by a disaster, the biggest advantage of using a Public Insurance Adjuster is that they can get back to living their life while a professional handles all of the details. Instead of spending 20 hours or more a week, researching replacement and rebuilding costs, analyzing and completing various forms, and negotiating with insurance company adjusters and restoration experts, the Public Adjuster can do all of that. This means you can get back to your family life. Normalcy and a return to a routine schedule will greatly help you and your family adjust and move on.

For many, the time savings and the emotional satisfaction of having a professional handle the minutiae and painful negotiations is much more important than whatever added funds the adjuster is able to get for them. It's more than just the money.

http://www.qualityclaims.com/

Ron Reitz is president of San Diego-based Quality Claims Management Corp., a nationally licensed public insurance adjuster, providing hazard claim recovery services to investors, mortgage servicers, homeowners and businesses. Earlier, he pioneered the national hazard insurance claims business of GMAC-RFC (now GMAC-ResCap). He is the past president of the California Association of Public Insurance Adjusters and currently serves on the board of the National Association of Public Insurance Adjusters. Contact Quality Claims Management at (866) 450-1183 or http://www.qualityclaims.com/.