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The Art of Adjusting

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The Art of Adjusting

Chantal M. Roberts, CPCU, AIC, RPA is a speaker and author about claims, standards, & procedures. www.cmrconsulting.net
https://linktr.ee/kcmroberts

11/17/2025

🦃 Episode 82 of The Art of Adjusting® Podcast Giving Thanks (and Adjusting Attitudes) drops Thursday, November 20 at 8 AM ET! 🦃

Right before this clip, Bill and I were knee-deep in exclusions… and he brought up bad cooking. 👀

Naturally, I had to defend myself.
Yes, my cooking would be covered — because if there’s smoke or fire, that’s a covered peril, thank you very much. 🔥😌🧯

And the best part?
Bill AGREED with me.
(Smart man. Or tired man. We’ll never know.)

If you’ve ever handled:
🔥 A turkey-fryer catastrophe
🍲 A casserole gone rogue
🥘 “Experimental seasoning” that turned into a claim
…this advert is for you.

👇 Insurance fam — tell me:
What’s the wildest holiday cooking claim you’ve seen?
Would my cooking be covered? Be honest. 😅

Tag the adjuster who ALWAYS gets the grease-fire claims. 👇

11/13/2025

“Insurers get rich by denying claims.”
Sure — right before they get sued, fined, and dragged through DOI hearings.
It’s not a business plan — it’s a breakdown.
Training, oversight, process… that’s where things fail.
Underpaying claims doesn’t make anyone rich. It makes everyone’s job harder.

11/13/2025

“Insurers underpay claims to make shareholders rich.”
Sure. And lighting your own stock price on fire is great for investors. 🔥
Underpaying might look smart on paper, but it’s a long-term disaster — lawsuits, fines, churn, and reputation damage.
It’s not a strategy. It’s self-sabotage.

11/12/2025

Somebody said insurers underpay claims to make their owners rich.
Cool theory. But in mutuals, you’re the owner.
So… congrats? You just underpaid yourself. 😏

11/10/2025

I keep seeing “insurers underpay claims to make owners rich.”
Nope.
And before anyone says “it’s the CEOs!” — look at Apple, Amazon, or literally any Fortune 500.
That’s not an insurance issue, that’s capitalism, my friends.

08/29/2025

🎯 Think your home insurance deductible is $1,000?
It might actually be $25,000.

Welcome to the world of percentage deductibles — where your out-of-pocket cost isn’t a number… it’s a math problem. 💸

⚠️ Wind. Hail. Hurricanes. These disasters often trigger higher deductibles than you think.

Here’s what every homeowner should know before the next storm:
https://linktr.ee/kcmroberts

07/25/2025

(Sound on)
🛑 Did you know one poorly set reserve could shake an entire insurance company?

In our latest episode of The Art of Adjusting® Podcast, Sandy and I talk about something every adjuster needs to understand: the difference between bankruptcy, insolvency, and reserves—and how your daily decisions can impact a carrier’s financial future.

We cover:
✔️ What happens when a company runs out of money (and why it’s not always “bankruptcy”)
✔️ Why adjusters play a bigger role in solvency than they realize
✔️ The stair-stepping trap (you know what we mean)
✔️ What AI is getting wrong about reserves
✔️ And why states like Florida are every carrier’s headache

Whether you’re new to claims or a seasoned pro, this one’s for you. It’s practical, eye-opening, and surprisingly fun. (Yes, there’s a SpongeBob reference. No, we’re not sorry.)

🎧 Listen on Spotify and 👀 watch on YouTube
🔁 Share this with an adjuster, risk manager, or agent who cares about doing the job well.

06/09/2025

You didn’t get scammed — you hit an exclusion. 💥As a former adjuster, I’ve seen it all: mold? Not covered. Sewer backup? Nope. That pipe you didn’t know was about to burst? Denied.It’s not personal. It’s how insurance works.Here’s what exclusions actually are — and how to stop getting caught off guard. 👇

05/28/2025

Star Wars Month isn't over yet, and neither is Empire Insurance Mutual!

The saga continues in the Outer Rim... in our last episode, we uncovered misrepresentation at the Skywalker farm.

Now, we’re headed back to the galaxy of coverage concerns—this time, it’s the Statement of Values. Chantal finds something new at the insured location, but Sandy isn’t surprised.

𝐖𝐡𝐲 𝐝𝐨𝐞𝐬 𝐭𝐡𝐢𝐬 𝐦𝐚𝐭𝐭𝐞𝐫 𝐭𝐨 𝐚𝐝𝐣𝐮𝐬𝐭𝐞𝐫𝐬? The original claim isn't about the solar panels.

Because 𝑦𝑜𝑢 𝑎𝑟𝑒 𝑏𝑒𝑖𝑛𝑔 𝑎 𝑔𝑜𝑜𝑑 𝑝𝑎𝑟𝑡𝑛𝑒𝑟 to the other departments and to the ultimate concern-- the policyholder. You don't want to write that denial letter when you could have saved them some heartache by having the missing item listed on the DEC Sheet or SOV. So, when you see something at the insured's property that's not listed on the DEC or SOV, let the agent know. Likewise, if you see that the insured says they have something (like a burglar alarm) on the policy, but they don't have one in real life, let the agent know.

This is the insurance version of

These are the 𝐬𝐨𝐟𝐭 𝐬𝐤𝐢𝐥𝐥𝐬 that will help you be out of this world (see what I did there?).

05/23/2025

You asked for it… 𝐄𝐦𝐩𝐢𝐫𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐌𝐮𝐭𝐮𝐚𝐥 strikes back.

In the prequel, you saw Adjuster Chantal and Agent Sandy deny the Death Star— er, "Planet Protector."

In this episode, the Skywalkers claimed their water tank was rated for a two-sun planet. 𝑾𝒉𝒚 𝒅𝒐𝒆𝒔 𝒕𝒉𝒂𝒕 𝒎𝒂𝒕𝒕𝒆𝒓 𝒕𝒐 𝒂𝒅𝒋𝒖𝒔𝒕𝒆𝒓𝒔?

Because if the rating was wrong, it's misrepresentation—and that could void the policy.

Void doesn’t mean denied.

It means 𝙩𝙝𝙚 𝙥𝙤𝙡𝙞𝙘𝙮 𝙣𝙚𝙫𝙚𝙧 𝙚𝙭𝙞𝙨𝙩𝙚𝙙. Premium refunded. Claim? Gone.

That’s why agents can be powerful allies—when they speak up.

05/13/2025

Determining the monetary value of your cryptocurrency loss is the hardest part of potentially insuring these currencies. Because cryptocurrency is not backed by a government or tied to a physical asset, it can be volatile.

Check out my new article. Link in bio.

Address

P. O. Box 4676
Olathe, KS
66063

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+19133350612

Website

http://www.theartofadjusting.com/

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The Art of Adjusting

11/17/2025

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