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A
C
D
A
We
do
have
a
foreign
I
do
have
a
special
guest
that
I
want
to
recognize.
At
this
point
in
time
we
have
Miss
Alba
Sanderson
out
there
with
us,
observing
the
process
today,
she's
a
fifth
grade
student
at
Frankfort,
Christian,
Academy
and
she's
accompanying
her
aunt
Miss
Anne-Marie
Franklin.
We
are
happy
to
have
you
here
today.
Alba.
A
A
E
A
Right
do
I,
hear
emotional
motion
on
sub
representative
Ray.
Second
representative
Pollock.
Any
questions
on
the
committee
substitute.
A
We
do
have
enough
votes
to
adopt.
The
sub
representative
Duvall
sub
is
before
us.
You
may
proceed
with
the
rest
of
the
presentation.
E
Thank
you
Mr
chairman,
so
nearly
all
Public
Adjusters
are
honest,
hard-working
individuals,
but
with
all
Industries
there
are
a
few
bad
actors.
So
in
order
to
protect
consumers,
we
need
to
put
up
some
guard
rails
and
House
Bill
232
does
just
that.
E
So
let
me
go
over
a
little
bit
about
the
bill,
so
it
is
a
cleanup
Bill
to
mitigate
continuing
issues
within
the
insurance
industry,
around
storm
chasing
and
preying
upon
vulnerable
consumers.
In
previous
years,
Kentucky
has
taken
steps
toward
mitigating
these
concerns
through
previous
legislation
targeting
roofing
contractors.
While
these
steps
were
necessary,
it
is
time
that
we
take
additional
steps
following
the
natural
disasters
that
we've
seen
in
the
past
two
years.
E
While
we
currently
license
Public
Adjusters
and
the
department
of
insurance
is
doing
their
best
to
regulate
and
monitor
activity
around
the
state.
We
do
not
have
laws
in
place
that
create
enforceable
parameters
to
protect
kentuckians
and
create
consistency.
So
basically,
this
this
bill
does
three
things.
E
Has
three
key
issues
that
are
addressed
in
dealing
with
claims
in
Kentucky,
so
the
three
issues
are
transparency,
conflict
of
interest
and
consumer
protection,
so
this
bill
and
for
regarding
the
transparency,
requires
signed
contracts
between
Public,
Adjusters
and
insured
to
be
shared
with
insurers
and
on
file
with
the
commissioner
of
the
Department
of
Insurance,
and
it
also
allows
for
those
who
are
involved
in
the
claim
to
communicate
directly
with
the
insured
and
direct
access
to
the
insured
property.
To
continue
with
the
processing
of
the
claim.
E
Second,
is
the
conflict
of
interest,
so
this
bill
prevents
Public
Adjusters
from
receiving
direct
or
indirect
compensation
on
a
claim
outside
of
the
signed
contract.
So
this
would
apply
to
Public
Adjusters,
who
could
be
affiliated
with
contractors
or
others
who
are
involved
in
the
claiming
receiving
director
indirect
compensation
from
both
aspects,
and
third,
is
consumer
protection.
It
this
bill
implements
a
threshold
on
the
compensation
a
public
adjuster
may
receive
from
the
insurance
settlement
at
10
percent.
This
measure
ensures
that
the
consumer
is
not
charged
in
unreasonable
fee
and
So.
A
D
I
D
A
very
good
question:
representative
Smith:
there
are
three
types
of
adjusters
licensed
in
Kentucky
we
have
staff
adjusters
like
what
we
have
at
Kentucky
Farm
Bureau.
There
are
also
independent
adjusters
that
work
for
a
specific
company
say
an
agency,
and
they
can
work
for
different
insurance
companies
that
that
will
go
out
in
assisting
claims.
We
have
in
fact
hired
independent
Adjusters
in
catastrophe
situations
that
can
assist
us
when
we
need
the
help.
The
third
type
of
adjuster
is
the
public.
D
I
D
I
I
Somebody
knows
how
to
handle
the
system
or
take
advantage
of
the
system,
so
you're
saying
it's
being
done
by
an
outside
third
party
that
are
there
there's
some
way
they
reach
out
to
them.
Come
in
with
a
different
number,
your
adjuster
says
a
thousand.
They
come
in
with
two
thousand.
Is
that
litigated
at
that
point?
Do
they
have
a
since
their
license?
Do
they
have
authority.
D
Of
times
we
have
seen
over
the
years,
Public
Adjusters
come
into
the
state
because
other
states
are
regulating
them
and
regulating
the
amount
that
they
can
obtain
on
a
contract
for
the
settlement.
So
you
know
we
have
our
in-staff
adjusters,
who
will
go
and
adjust
the
claim,
but
if
they
come
to
find
out
that
a
public
adjuster
is
involved,
assuming
they
have
somehow
come
in
contact
with
one
of
our
customers
or
one
of
our
members,
then
we
are
obligated
to
work
with
that
public
adjuster.
D
You
know
we
want
to
try
to
do
the
best
for
our
customers,
so
we're
going
to
still
settle
and
adjust
the
claim
as
we
would,
but
what
we
have
found
over
the
years
when
more
Public
Adjusters
come
into
the
mix
that
there's
a
delay
in
the
process.
You
know
under
statute
we're
obligated
to
settle
a
claim
within
a
reasonable
prompt
amount
of
time.
J
D
D
K
So
they
have
reciprocity
from
state
to
state
they
have
no,
unless
unless
the
state
prohibits
them
to
come
in,
that's
correct,
do
they
get
a
percentage
of
like
if
the
adjustments
high
do
they
get
a
percentage
of
the
adjustment.
I
mean
I'm
a
real
estate.
Appraiser
I
am
Bound
by
law
to
set
a
fee.
There's
no
such
thing
as
that's
against
the
law
to
get
a
percentage
of
the
appraisal
fee
so
that
incentivizes
you
to
get
a
higher
and
do
a
lot
of
times.
I'm
asking
a
lot
of
questions
to
your
visit.
F
So
that
is
and
a
course
that
that
they
could
take,
you
know
if
they
have
made
that
choice
to
partner
with
a
public
adjuster.
We
want
to
work
with
them
as
well.
You
know
sometimes
representative
Smith
McPherson.
You
know
there
is
some
negotiation
that
has
to
take
place
so
I
think
where
that
question
was
coming
up
around.
You
know
if
it
was
two
thousand
dollars
from
a
public
adjuster
and
a
thousand
dollars
with
our
adjuster.
Sometimes
it
gets
to
be.
F
We
have
to
agree
on
the
scope
and
when
we
don't
agree
on
the
scope,
that's
where
things
the
conflict
starts
to
arise
and
delays
come
into
play.
I
hope
that.
D
Just
want
to
thank
representative
Duvall
for
sponsoring
the
bill.
I
also
want
to
say
we
have
vetted
this
with
the
Department
of
Insurance.
We've
worked
with
them
on
the
language
and
I
know
that
the
commissioner
she
couldn't
be
here,
but
I've
had
conversations
with
her.
That's
in
support
of
this
and
we've
also
voted
it
with
the
insurance
industry
and
I
have
school
support.
So
I
just
appreciate
you
all
here
in
the
bill
bill
today,
chairman
Meredith
and
and
thanks
for
hearing
it
today,
absolutely.
A
We
do
have
a
few
people
who
want
to
testify
with
concerns
about
the
bill.
So
if
you
all
would
just
take
a
step
back
to
the
front
row,
there
I
have
Tom
Barrett,
Richard,
Michelson,
Karen,
Boone
and
Ed
Gould,
who
have
signed
up
to
testify.
If
you
all
would
come
forward,
introduce
yourself
and
who
you
represent
for
the
record
and
then
you
all
may
proceed
with
any
testimony.
You
have.
L
Hello
thanks
for
giving
us
the
opportunity
to
give
a
more
of
a
probably
a
balanced
view
of
of
what
I
think
is
going
on.
Let
me
get
my
notes
here.
This
is
my
first
time
here
so
be
a
little
patient.
L
So
what
I
do
now
is
I'm
an
advocate
for
the
consumer.
I
brought
Karen
Boone,
who
is
one
of
my
recent
clients,
but
she'll
give
her
testimony
here
shortly,
but
I
guess.
The
biggest
concern
is
by
capping
our
fees,
we're
not
going
to
be
able
to
handle
the
smaller
claims
and
we're
just
not
and
and
Karen
will
tell
you
about
her
experience
from
her
point
of
view.
L
So
basically,
a
public
adjuster
somebody,
the
way
I
handle
it
is
I,
don't
actually
go
out
and
Market
I,
really
don't
Market
I
am
I'm
a
referral
business.
People
approach
me
after
they've
had
an
experience
with
an
insurance
company
that
they're
not
happy
with,
or
they
feel
there's
more.
There
I
mean
typically
more
money
is
paid
out
on
a
claim,
not
because
a
public
adjuster
is
involved,
but
because
there
is
coverage
that
was
not
initially
addressed.
Scope
of
repair
is
definitely
very
important,
but
that
is
the
basis
for
how
you
begin
these
negotiations.
L
You
do
have
to
determine
scope.
A
lot
of
carriers
have
internal
processes
that
they
utilize
that
are
not
stipulated
in
the
policy.
That
is
also
something
else
we
deal
with.
That's
what
everybody
wanted
me
to
say
was
basically
discuss
what
a
public
adjuster
is
representative
Smith.
Do
you
have
any
questions?
M
A
N
L
Well,
what
I
was
saying
is
I
mean
getting
into
the
economics
of
it.
You
know
we,
it
is
a
profession.
We
do
this
to
help
out
as
well
as
make
an
income,
but
at
some
point
it
maybe
an
example
would
be
better.
Let's
say
Karen
in
in
her
exact
case,
she
was
paid
below
deductible
amounts
for
your
insurance
claim.
Just
a
small
residential
roof
claim.
After
about
three
to
five
months
and
I
did
charge
her
15
for
the
additional.
L
We
got
her.
Seventeen
thousand
dollars
full
roof
replacement
after
going
through
three
adjusters
that
I
personally
went
through,
but.
L
No,
no,
that's
not
what
I'm
saying
what
I'm
saying
is:
it's
got
to
be:
we've
got
to
be
able
to
cover
our
expenses,
make
an
income
as
well
as
assist
the
consumer.
L
N
L
Well,
if
I
can't
I
mean
not
to
get
practical,
but
if
I
can't
make
a
living
doing
it,
I
can't
do
the
job.
I
mean
I.
Think
that's
what
it
comes
down
to.
So
we
you
know
I'm,
not
saying
that
there
isn't
regulation
that
needs
to
be
had
what
I
am
saying
is
because
of
perceived.
You
know,
activities
of
another
party
I,
don't
know
that
that
the
whole
industry
should
be
kind
of
for
lack
of
a
better
word.
Smeared
and
affected
by
this
I
mean
I.
L
M
Name
is
Karen,
Boone
I
live
in
Fern
Creek
in
Jefferson
County,
and
there
was
a
tornado
that
come
through.
It
didn't
hit
us
directly,
but
it
it
tore
my
roof
up
and
the
insurance
company
come
out
with
an
adjuster
and
they
said
we
had
very
minimal
damage
less
than
our
deductible,
which
was
a
thousand
dollars.
Well.
After
all,
the
shingles
that
we
picked
up
out
of
the
yard
and
pictures
and
numerous
conversations
with
the
insurance
company
they
still
denied
our
claim.
M
The
adjuster
that
they
sent
out
was
a
contracted
adjuster,
couldn't
even
tell
the
difference
between
a
gable
roof
and
a
hip
roof,
which
is
we
had
a
hip
roof
and
I
knew
right
off
the
bat
there's
going
to
be
trouble.
But
anyway
we
fought
for
almost
three
months
with
the
insurance
company
kept
denying
our
claim
in
the
whole.
In
the
we
had
to
pay
someone
to
come
up
to
repair
the
roof,
so
we
wouldn't
have
damages
on
the
inside
repaired.
M
It
well
good
enough
to
get
it
waterproofed
and
still
the
very
he
said
we
had
damage
up
there.
There's
obvious
wind
damage.
We
had
three
roofers
come
out
and
said
it
was
damaged,
need
to
be
fully
replaced
and
they
still
denied
our
claim.
So
so
one
of
the
roofers
told
me
about
Tom
and
I
thought.
Well,
you
know
it's
got
to
be
cheaper
than
a
lawyer
and
he
was,
and
after
five
months,
maybe
over
five
months
of
fighting
the
insurance
company.
M
He
we
had
hundreds
of
pictures
of
the
damage.
I
mean
it
was
a
lot
of
Correspondence
insurance,
adjusters
one
after
another,
kept
passing
us
off
to
another
to
another
to
another,
and
after
months
and
months
of
all
this,
the
last
adjuster
finally
agreed
the
roof
needed
to
be
fully
replaced,
and
they
finally
did
replace
it
after
Tom's
help
and
working
with
Tom
I
have
come
very
knowledgeable
of
insurance
language
and
what
they
try
to
do
to
the
consumer.
M
I,
we
pay
our
premiums.
In
fact,
we
pay
our
premiums
in
full
by
the
year,
because
I
want
to
make
sure
that
everything's
paid
and
we
are
covered,
and
then
we
had
a
claim
and
they
did
not
want
to
pay
it.
All
they
wanted
to
pay
was
less
than
our
deductible
to
patch.
It
up
when
all
the
insurance,
all
the
roofers
said
it
needs
to
be
fully
replaced
and
Tom
jumped
through
hoop
after
hoop
after
hoop
and
finally,
the
last
adjuster
agreed
that
roof
needs
to
be
replaced
and
they
paid
a
seventeen
thousand
dollar
claim.
M
That's
all
it
was
wasn't.
No
million
dollar
claim
nothing
like
that.
Seventeen
thousand
dollars
for
a
roof
and
they
kept
denying
it
and
Tom
got
it
paid
and
his
15
percent
that
he
charged
on
the
seventeen
thousand
dollars
I
was
way
more
happy
to
pay
that,
even
though
I
had
to
pay
a
thousand
dollar
deductible
twenty
four
hundred
dollars
for
his
his
fee,
it
was
still
cheaper
than
a
seventeen
thousand
dollar
roof
and
if
it
won
for
Tom,
I'd
had
I'd
been
out
seventeen
thousand
dollars
and
I'm
just
a
little
old.
M
It's
sad,
but
companies
do
it
to
them
all
the
time
and
we
need
people
like
Tom,
because
he,
if
it
weren't
for
him,
you
know
I'd
hand
me
a
monthly
payment
for
a
roof.
Seventeen
thousand
dollars
is
a
lot
of
money
for
me,
pay
for
a
roof
and
it
was
noticeable
damage,
but
for
some
reason
they
kept
denying
it
and
I
put
him
through
all
kinds
of
loops,
two
bundles
of
shingles.
He
had.
M
We
had
to
pay
somebody
to
get
up
there
to
put
them
on,
they
didn't
match
and
Kentucky
does
have
a
match
law
that
is
not
enforced
because
well
it
it's
enforced,
that
it
didn't
insurance
company
that
we
dealt
with
didn't
know
about
it,
but
they
did
give
us
a
big
run
around
and
it
wasn't
called
far.
It
was
an
obvious
claim.
Tom
come
out
and
he
talked
to
us
about.
Well,
you
could
try
this
with
them
and
see
if
that
works.
M
Well,
it
didn't
so
we
hired
Tom
and
he
knows
the
lingo,
the
ins
and
outs
of
these
insurance
companies
and
we
weren't
asking
for
anything
that
we
didn't
feel
we
had
coming
and
I
have
learned
that
an
insurance
policy
is
a
legal
binding
contract
and
they
did
not
fulfill
their
end
of
the
contract
and
these
guys
that
work
all
these
hours.
Can
you
imagine
working
hours?
You
know
it's
a
24-hour
day
job,
pretty
much.
M
O
Yes,
thank
you
Mr,
chairman
Tom.
Thank
you
for
being
here.
I
appreciate
your
testimony.
I
do
have
a
question
for
you
just
in
in
in
this
claim
instance.
O
According
to
to
my
math,
you
said
you
charge
15
of
the
17
000
claim.
That's
that's
roughly
twenty
five
hundred
dollars
that
that
you
charge
the
client
twenty.
O
O
Okay,
can
you
can
you
briefly
detail
how
much
time
that
you
personally
put
into
this
claim?
Was
it
a
phone
call?
Was
it
a
lot
of
phone
calls.
L
I
mean
it's
I
would
say:
I've
probably
got
I
mean
you
were
45
minutes
away
from.
L
O
L
Scope
of
the
work
is
adjustment.
It's
called
you
know
it's
a
claims
adjustment,
we're
adjusting
the
claim,
that's
what
I
do
I
go
out.
I
document
I
feel
like
I'm.
Doing
me
personally.
I
know
the
insurance
companies
don't
feel
that
way
when
we're
dealing
with
a
claim,
but
I
feel
it's
a
collaboration.
L
You
know
they
the
claims
department
of
these
insurance
companies.
They
are
I
mean
they
are
inundated,
they
are
overworked,
I
mean
they
have
a
lot
going
on
me
personally.
I've
got
her
claim.
I
work,
it
I
document
it
with
photos.
Whatever
the
insurance
company
wants
I
think
we
even
took
videos
twice
of
your
roof.
While
the
roof
shingle
was
being
installed,
send
it
to
them.
L
O
One
more
question:
Mr,
chairman
FMA:
can
you
can
you
kind
of
speak
to
I
know
you
mentioned
you
charged
15
of
correct
this.
This
particular
bill
will
cap
that
at
10
percent
Can.
Can
you
speak
to
why
you
feel
that
that
10
is
not
enough.
L
I
feel
that
you
know
I
think
if
you're
getting
a
claim
at
the
beginning
and
it's
fresh
and
it's
not
you
know
it's
not
muddled
you're,
not
reviewing
you're,
not
analyzing
the
documentation
that
was
generated
in
the
prior
insurance
company
adjusters
process.
L
L
To
do,
I
mean
we
have
experts,
we
have
to
coordinate
it's
emails,
multiple
adjusters
on
one
claim
phone
calls
on
Sunday
night
Saturday
night
keeping
notes,
I
mean
I,
keep
a
hard
file,
I
think
for
your
seventeen
thousand
dollar
roof
I
want
to
say
my
files
about
that
thick.
L
You
know
it.
It's
really
hard
to
quantify,
I,
guess
and
and
make
an
impression
on
you
guys
as
to
what
we
really
do,
but
it's
it's
kind
of
reactive.
You
know
it
should
go
smooth.
She
should
have
had
a
roof.
No
doubt
in
the
state
of
Kentucky
she
should
have
had
a
roof
paid
for
shouldn't
have
had
to
do.
This,
shouldn't
have
had
to
hire
me.
L
If
he
got
on
a
roof,
then
he
you
know
it's
a
no-brainer
is
what
we
say
in
the
industry.
It's
a
no-brainer.
A
And
I
just
want
my
clear,
and
this
claim
is
a
good
example
that
has
been
brought
forward.
We
adjusted
in
the
committee
substitute
that
you
see
before
you
now.
A
Those
claims
were
originally
in
the
bill
that
was
filed
through
the
work
of
the
insurance
commissioner
and
the
industry
and
Farm
Bureau
were
originally
said
at
two
and
a
half
percent.
As
the
threshold
and
By
Request.
We
move
that
threshold
up
to
meet
the
threshold
of
all
the
other
larger
claims
at
10
percent
in
the
committee
substitute.
So
that's
where
all
that
language
came
from
was
again
collaboration
and
negotiation.
A
P
Just
a
quick
question
in
this
scenario
here
you
charge
15,
is
that
a
flat
15
that
you
charge
for
all
your
claims
or
say
you
got
a
hundred
thousand
dollar
claim.
Does
your
percentage
go
up?
Damn
how's
that
work.
L
I
mean
I
I
can't
paint
a
you
know.
You
know
broad
I
really
have
to
take
the
claim
at
its
own
marriage.
P
A
C
Hi,
can
everybody
hear
me?
Oh
okay,
you
can
hear
me
now.
Richard
Michelson,
born
and
raised
in
Louisville
I'm,
a
licensed
public
adjuster
and
I've
been
in
the
insurance
industry
about
33
years,
so
I
mean
basically
a
year
before
I
graduated
college
I
got
in
the
business
and
I've
done
various
things
in
that
business,
including
being
an
agent
I'm,
a
licensed
consultant
I'm,
a
certified
risk
manager,
certified
Insurance
counselor
and
a
licensed
public
adjuster
I've
been
kind
of
a
student
of
the
insurance
industry
and
business
for
for
many
years.
C
I.
Think
a
couple
of
two
of
the
main
reasons
we're
here
are
consumers
need
a
choice
and
if
the
insurance
company
says
a-
and
the
answer
is
really
not
a,
they
need
a
way
to
to
get
to
the
right
answer
to
get
to
the
right
solution.
If
you
will
for
their
claim
in
terms
of
as
we
talked
about
scope
and
cost,
and
we
we
do
a
lot
of
that,
we
we
navigate
the
claims
process
for
the
claimant.
C
It's
very
complicated
for
those
of
you
who
have
experienced
a
an
insurance
claim
on
the
property
side
or
I
mean
everybody's
probably
had
an
auto
accident.
I
would
guess
some
kind
of
little
fender
bender
and
it's
a
complicated
process.
C
They
need
advocacy.
So
that's
one
of
the
big
reasons
we're
here
today
is
to
we
want
to
say,
hey,
we're,
willing
and
and
want
to
work
with
the
industry
and
the
legislation
here
to
or
legislators
to
welcome
things
that
are
helpful
to
our
industry
and
to
Consumers.
So
it's
a
big
deal
to
satisfy
the
consumer.
That's
really
why
we're
in
business
now,
obviously
we
have
to
make
a
living
and,
to
my
standpoint
on
this
is
from
the
get-go.
If
we
talk
about
percentages
yeah,
it's
a
fresh
claim.
C
We
can
that
10
percent
threshold
is
kind
of
an
industry
standard.
On
a
fresh
new
claim,
the
issue
becomes
I
think
on
the
mop-up
money,
where
somebody's,
maybe
gotten
twenty
five
thousand
dollars
paid
or
offered,
and
then
now
we're
going
to
go
mop
it
up
well
Lots,
as
Tom
used
the
term
muddled
I
mean
lots
of
things
have
happened
on
the
claim
at
this
point
and
we
have
to
kind
of
mop
it
up.
C
We
have
to
forensically,
go
back
and
look
at
what's
happened
and
why
it
happened,
and
now
we're
going
to
mop
up
for
what
we
call
new
money
you
cannot
make.
You
cannot
make
a
living
as
a
public
adjuster
with
10
percent
mop
up
money.
C
If
that's
the
threshold,
you
just
can't
do
it.
You
have
to
charge
higher
percentages
to
be
able
to
take
those
claims,
and
if
we're
not
able
to
take
those
claims
and
help
the
consumer,
then
that's
going
to
cause
a
problem
for
the
consumer.
I
mean
they're,
just
the
advocacy
then
that
they
get
if
they
can't
work
through
the
standard
claims
process
is
they're,
probably
going
to
have
to
go
lawyer
up
note.
Also,
what's
interesting
is
a
lot
of
times.
Lawyers
hire
us
to
help
them
with
claims.
C
We
understand
the
language,
we
understand
the
mechanics
of
it
all.
We
we
really,
we
understand,
policies
how
they
work.
What's
replacement
costs
what's
actual
cash
value,
so
we're
we're
here
really
for
a
couple
reasons:
we're
here
consumer
needs
an
advocate
and
that's
what
we
do
and
then
we
obviously
want
to
do
this
and
make
a
living,
and
it's
it's.
It's
next
to
Impossible
at
the
fee
cap
on
the
mop-up
money
would
be
where
I
think
the
problem
really
is.
C
If
we're
talking
about
fee
caps,
we
just
have
to
be
able
to
charge
a
higher
number,
so
the
consumer
then
has
a
choice
to
come
to
us
to
help
them
with
their
claim
again.
Those
of
you
that
have
had
a
claim
very
confusing
process,
and
especially
if
you
get
involved
in
a
cat
situation,
a
catastrophe
lots
of
different
adjusters
from
out
of
town.
C
You
know,
even
if
you're
dealing
with
a
local
insurance
company
chances
are
they're
Staffing
up
by
hiring
independent
adjusters,
and
you
just
have
to
have
an
advocate
to
help
you
out
with
that,
and
we
want
to
help
the
consumer.
We
want
to
make
be
able
to
make
a
living,
and
the
fee
cap
on
the
mop-up
money.
I
think
is
really
where
the
big
rub
is
I
brought
with
me.
Ed,
Gould
and
Ed
is
now
retired.
C
He
owns
real
estate,
but
he
had
a
medical
equipment,
business
in
Louisville
Kentucky
and
and
suffered
a
substantial
loss.
It
was
a
roof
collapse
situation
and
basically,
if
you
can
just
kind
of
comment
on
I,
think
it'll
help
them
understand
what
a
public
adjuster
really
does
and
how
we
helped
you.
That
would
be
great.
Q
Okay,
I'm
Ed
Gould
I,
owned
Gould's,
Discount
Medical
in
Louisville
and
owned
the
property,
also
back
in
2017
I,
believe
we
had
an
unusual
rainstorm
which
the
the
the
water
puddled
on
top
of
the
roof
and
collapsed
the
roof
and
have
about
2
30
in
the
morning
and
think
nobody
was
hurt,
but
it
did
damage
the
building
substantially
with
Force
four
Suites
were
deemed
un
on
occupied
for
a
period
of
time.
Q
That
period
of
time
was
six
months.
Actually
it
was
probably
over
a
year
a
year
a
year
and
maybe
three
months,
but
for
six
months
the
claim
adjuster,
who
worked
for
the
company
was
an
employee
of
the
company
denied
the
claim.
Q
Now
I've
been
paying
insurance
for
30
years
on
that
building
and
and
head
up,
you
know
full
coverage
and
how
in
the
world,
is
it
possible
that
if
they
could
deny
a
claim
where
the
roof
collapsed?
Well,
they
did
and
their
take
on.
It
was
that
it
was
the
responsibility
of
the.
G
Q
Who
was
paying
me
rent
to
make
the
claim?
Well?
I,
don't
know
too
much
about
insurance,
but
it
I
think
in
fifth.
Grader
would
know
that
it
was
my
building
and
it
was
that
I
was
paying
the
premium
and
he
was.
He
was
a
guest
of
mine.
Q
He
was
a
tenant
of
mine
and
that
he
shouldn't
have
had
any
liability
well
after
five
months
of
fighting
with
them
and
having
not
gotten
rent
from
any
of
the
other
tenants,
I
called
Richard
and
he
took
over
the
claim
and
somehow
another
he
got
he
made
them
pay
the
claim
and
I
I,
don't
know
exactly
what
you
did,
but
he
did
it
and
we've
had
after
after
they
started
paying
the
claim
it
was
a
period
of
about
a
year
before
the
claim
was
finished
and
we
had
four
or
five
different
meetings
with
them.
Q
Richard
had
somebody
come
down,
one
of
his
employees
come
down
and
make
sure
that
all
my
expenses
were
in
there
and
that's
how
the
claim
was
settled
so
I
think
it
was
like
a
1.3
million
dollar
claim
and
I.
Don't
know
what
I
would
have
done.
I
guess
I
would
have
had
a
hire
a
lawyer
because
I
knew
I
was
in
the
right.
Lawyers
had
told
me
that
was
in
the
right,
but
I
depended
on
him
to
do
it
and
he
did
a
good
job.
Thank
you.
H
Thank
you,
Mr
Gold
I.
You
know,
I've
I've
been
in
an
insurance
business
in.
G
H
Q
Yeah
I
I
had
now
it's
interesting
comment.
I
before
that
I
had
somebody
I
hired
a
man
to
come
every
three
months
to
check
my
roof
to
make
sure
all
the
gutters
were
cleaned
out,
make
sure
all
the
downspouts
spouts
were
fine
and
you
know
so.
I
did
take
the
initiative
their
their
response
to
me
was.
That
was
not
the
issue.
The
issue
was
a
legal
issue.
Q
They
they
had
no
problem
with
the
maintenance.
Their
issue
was
a
legal
issue
that
the
Lab
Corps,
which
is
a
national
outfit,
who
rented
the
the
suite
adjacent
to
where
it
collapsed.
Q
They
were
responsible
and
I
I,
don't
see
how
they
could
have
been
responsible,
and
the
lawyer
told
me
that
they
weren't
responsible
because
I
I
showed
him.
You
know
the
claim,
and
you
know
I
I
I
didn't
think
about
hiring
a
lawyer,
but
I
did
get
a
lawyer's
opinion
on
it
and
I
guess
I
would
have
had
a
higher
Lord
if
Richard
wasn't
available.
R
C
C
A
30
yeah
I
mean
I
I,
have
a
different
model,
I
think
each
adjuster
has
a
different
model,
but
what
I
can
tell
you
is
that
a
reasonable
fee
cap
I
think,
would
give
the
levity
for
if
someone
complained
that
hey
I
had
so-and-so
work
for
me
as
a
public
adjuster
and
their
feed
cap
wasn't
reasonable.
If
the
word
reasonable
was
in
there
that
might
give
the
insurance
department
some
levity.
Now
I
can
tell
you
that
that
30
seems
like
that
might
be
in
the
ballpark.
C
My
my
structure
is
different
on
mop-up
money.
My
10
at
the
onset
is
that
that's
fine!
It's
that
mop-up!
That's
an
issue
and
to
speak
to
that
again.
The
other
state
having
30
that's
a
little
higher
than
what
I
do,
but
that's
it's
in
the
ballpark.
R
C
Oh,
that
would
I'm
sorry.
That
would
be
so.
Let's
just
say
you
had
a
claim,
you
hired
us
at
the
beginning
and
we
we
dealt
with
it.
It
was
a
10
deal,
so
we
charge
10
of
the
of
the
settlement.
Okay,
but
then
you
come
to
us
and
say:
hey
Rich,
you
know
I
already
got
some
money
or
an
offer
from
the
insurance
company.
C
C
J
Let
me
identify
myself
Sharon
Clark,
commissioner
of
the
Department
of
Insurance,
and
I
would
like
to
tell
both
of
these
folks.
The
department
of
insurance
would
have
been
very
willing
to
help
them.
We
do
that
every
day.
So
anyway,
we
chairman
Meredith,
asked
me
the
question
about
the
10
percent.
J
So
when
a
claim
is
for
an
insurance
company,
let's
say
that
I
have
a
Insurance
claim
at
my
home,
and
the
estimated
value
of
that
claim
is
twenty
five
thousand
dollars.
What
the
10
percent
represents
is
that
the
policyholder
will
get
a
check
for
twenty
five
thousand
dollars.
However,
due
to
the
contractual
Arrangement,
they
will
pay
2
500.
J
to
the
public,
adjust
for
their
work,
and
that
is
extrapolated
out
through
you
know.
Whatever
the
claim
is
now,
there
have
been
a
lot
of
figures
thrown
around.
There
are
two
states
that
I
know
that
have
a
limit
of
20
percent
Georgia
is
the
only
state
that
has
30.,
but
the
vast
majority
of
the
other
states,
in
of
which
I'm
a
member
have
a
range
of
5
to
15
percent.
J
So
you
know
when
this
the
10
we
thought
was
a
reasonable
reimbursement
right
for
this.
Does
that
answer
your
question.
Mr
chairman.
Thank
you.
A
P
A
Yes,
House
Bill
232
is
amended
by
the
committee.
Substitute
does
pass
with
favorable
expression
same
on
the
house.
Floor.
I
do
appreciate
all
sides
being
here.
Those
opposed
to
the
bill
and
those
in
favor
of
the
bill
to
provide
your
testimony,
and
that
is
the
only
Bill
that
we
have
on
the
agenda
today.
So
do
I
hear
a
motion
to
adjourn,
hear
a
motion
to
adjourn.
Second,
all
in
favor
say
aye.