{"id":881290,"date":"2015-08-28T13:59:14","date_gmt":"2015-08-28T19:59:14","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=881290"},"modified":"2015-08-31T14:02:06","modified_gmt":"2015-08-31T20:02:06","slug":"do-insurance-adjusters-need-personal-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/do-insurance-adjusters-need-personal-liability-insurance\/","title":{"rendered":"Do Insurance Adjuster\u2019s Need Personal Liability Insurance?"},"content":{"rendered":"<p>Advise &amp; Consult, Inc. | August 28, 2015<\/p>\n<p>This very question has just recently been addressed in a Texas federal court.\u00a0 After a storm caused damage resulting in the insurer making a commercial property policy claim and the insurance company hiring an adjuster to investigate the claim, the insured are claiming that this adjuster hired an engineer and contractor that were known for opinions that benefited insurance companies and refused to identify structural damage that was covered under the policy, and not responding to inquiries by the insured about the status of the claim and payment.\u00a0 Further claims against the insurance adjuster actions were \u201cthe producing cause(s) of injury and damage to Plaintiff\u201d which resulted in the Plaintiff suffering \u201cactual damages, economic damages, and consequential damages.\u201d<\/p>\n<p>As defined by the Insurance Code, when an individual has been damaged by \u201cunfair methods of competition or unfair or deceptive acts or practices in the business of insurance\u201d may bring action against the \u201cperson or persons engaging in such acts or practices.\u201d\u00a0 These acts or practices would include \u201cfailing to attempt in good faith to effectuate a prompt, fair, and equitable settlement of a claim with respect to which the insurer&#8217;s liability has become reasonably clear.\u201d\u00a0 The Insurance Code also defines a \u201cperson\u201d as any \u201clegal entity engaged in the business of insurance, including an &#8230; adjuster.\u201d<\/p>\n<p>Shane S. Smith discusses this ruling further in a <a href=\"http:\/\/www.lexology.com\/library\/detail.aspx?g=f6f2ed81-bbeb-4cf0-aaed-18f0b095ed1d\">recent article<\/a> \u2013 here is part of that article.<\/p>\n<blockquote><p>The court discussed other Texas state and federal courts that have addressed similar claims:<\/p>\n<p>&nbsp;<\/p>\n<p>Both the Texas Supreme Court and the Fifth Circuit have recognized that an insurance adjuster may be held individually liable for violating chapter 541 of the Insurance Code. Liberty Mutual Ins. Co., v. Garrison Contractors, Inc., 966 S.W.2d 482, 486 (Tex.1998) (concluding based on chapter 541&#8217;s definition of a \u201cperson\u201d that an individual employee of an insurance company may be held liable for violations of the chapter, so long as the employee is \u201cengage[d] in the business of insurance\u201d); Gasch, 491 F.3d at 282 (\u201cTexas law clearly authorizes [chapter 541] actions against insurance adjusters in their individual capacities.\u201d) (citing Liberty Mutual, 966 S.W.2d at 486). Following their lead, numerous lower courts, including this Court, have specifically found that an adjuster may be held personally liable for engaging in unfair settlement practices under provision 541.060 of the Texas Insurance Code. See Esteban v. State Farm Lloyds, 23 F.Supp.3d 723, 729\u201331 (N.D.Tex.2014); Yeldell v. GeoVera Specialty Ins. Co., No. 3:12\u2013CV\u20131908\u2013M, 2012 WL 5451822, at *4 (N.D.Tex. Nov.8, 2012); Campbell v. Hartford Lloyd&#8217;s Ins. Co., 3:05\u2013CV\u20131180\u2013B (N.D.Tex. Nov. 29, 2005) (Boyle, J., presiding);Blanchard v. State Farm Lloyds, 206 F.Supp.2d 840, 847 (S.D.Tex.2001); Shipley v. Nat&#8217;l Fire Ins. of Hartford, No. 3:95\u2013CV\u20130972\u2013BC, 1998 WL 355493, at *3 (N.D.Tex. June 25, 1998) (Boyle, J., presiding).<\/p>\n<p>&nbsp;<\/p>\n<p>Despite the abundance of case law supporting adjuster liability under \u00a7 541.060, however, a few courts have recently begun to question the appropriateness of holding an adjuster individually liable for unfair settlement practices under \u00a7 541.060. See One Way Investments, 2014 WL 6991277, at *4\u20135 (N.D.Tex. Dec.11, 2014); Messersmith v. Nationwide Mut. Fire Ins. Co., 10 F.Supp.3d 721, 724 (N.D.Tex.2014). These courts reason that an adjuster cannot be liable for violating those provisions of \u00a7 541.060 specifically referring to the settlement or paying of claims, because an adjuster \u201cdoes not have settlement authority on behalf of [the insurance company]\u201d and his or her \u201csole role is to assess the damage.\u201d Messersmith, 10 F.Supp.3d at 724; see also One Way Investments, 2014 WL 6991277, at *4\u20135 (citing Messersmith, 10 F.Supp.3d at 724). But while the courts&#8217; reasoning in these cases has some logical appeal, a closer examination of the precise language of \u00a7 541.060(a)(2)(a) and the role played by insurance adjusters in the claims handling process belies their conclusions.<\/p>\n<p>&nbsp;<\/p>\n<p>Section 541.060(a) (2)(A) prohibits those engaged in the business of insurance from \u201cfailing to attempt in good faith to effectuate a prompt, fair, and equitable settlement.\u201d Tex. Ins.Code Ann. \u00a7 541.060(a)(2)(A) (emphasis added). Webster&#8217;s defines the word \u201ceffectuate\u201d by reference to the definition for \u201ceffect,\u201d meaning \u201cto cause to come into being\u201d or \u201cto bring about.\u201d Merriam\u2013Webster&#8217;s Collegiate Dictionary 397 (11th ed.2007). The fact that the statute uses the word \u201ceffectuate\u201d rather than a word that conveys finality (e.g., finalize), suggests that its prohibition extends to all persons who play a role in bringing about a prompt, fair, and equitable settlement of a claim.<\/p>\n<p>&nbsp;<\/p>\n<p>As the persons primarily responsible for investigating and evaluating insurance claims, insurance adjusters unquestionably have the ability to affect or bring about the \u201cprompt, fair, and equitable settlement\u201d of claims, because it is upon their investigation that the insurance company&#8217;s settlement of a claim is generally based. See Arana v. Allstate Texas Lloyds, No. 3:13\u2013CV\u20130750\u2013D, 2013 WL 2149589, at *5 (N.D.Tex. May 17, 2013) (\u201cAdjusters play a role in the investigation, estimation, and settlement of insurance claims.\u201d); Vargas v. State Farm Lloyds, 216 F.Supp.2d (S.D.Tex.2002) (noting that the adjuster \u201cengages in the business of insurance by investigation, processing, evaluating, approving, and denying claims\u201d). As such, a delay in an adjuster&#8217;s investigation will undoubtedly cause a delay in the payment of the claim, and an insufficient investigation may well lead to a less than fair settlement of a claim.5<\/p>\n<p>&nbsp;<\/p>\n<p>Therefore, in Linron, the court found that the insured\u2019s allegations sufficient to support a claim against the adjuster individually.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Advise &amp; Consult, Inc. | August 28, 2015 This very question has just recently been addressed in a Texas federal court.\u00a0 After a storm caused damage resulting in the insurer making a commercial property policy claim and the insurance company hiring an adjuster to investigate the claim, the insured are claiming that this adjuster hired&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/do-insurance-adjusters-need-personal-liability-insurance\/\">Continue reading <span class=\"screen-reader-text\">Do Insurance Adjuster\u2019s Need Personal Liability Insurance?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[339,48,11],"class_list":["post-881290","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-insurance-adjuster","tag-insurance-adjusters","tag-insurance-claim","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do Insurance Adjuster\u2019s Need Personal Liability Insurance? 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