SESSIONS BY LEARNING TRACK
Coverage A & B Loss Settlement in Personal Property Policies – Is Replacement Really Replacement?
Speaker(s): Charlene A. Cabral, AAI, AIC, LIA, CRIS, Cabral Insurance Consulting & Training
We will dive into the Loss Settlement section of the Personal Lines Policies as it relates to Coverage A (Dwelling) and Coverage B (Other Structures) to explore what the policy actually provides. Is the client REALLY being made whole? Is the client receiving replacement coverage? Maybe/maybe not ... let’s take a look. Explore what is meant by replacement. We’ll discuss what can be done to help minimize the potential loopholes that exist within the policy forms, and what an agent should do to educate the consumer on their options, which will also help minimize their E&O exposure.
Charlene A. Cabral is the Owner of Cabral Insurance Consulting & Training as well as the Owner of Ayotte-Cabral Insurance Agency. Both organizations are headquartered in Attleboro, Massachusetts. Charlene teaches various insurance classes and designation courses for a number or Insurance Associations. She has a degree in accounting and received her AAI designation in 1995, her AIC designation in 1996, the LIA designation in 2001 and her CRIS designation in 2008.
Charlene is a speaker at a number of insurance conventions in Massachusetts and Rhode Island. She has spoken at various industry events as well as been a guest speaker for various vendors.Charlene works with insurance agents to help them achieve their goals. Some areas of focus are mentoring, training and development of new and existing staff, processes and procedure implementation to assist in streamlining and production management. Charlene also provides assistance with retention and methods to increase sales. Since Charlene has been in the insurance industry since 1986 her knowledge and experience is vast and she loves sharing this with other insurance professionals as well as the consumer to help them achieve their goals. Charlene believes that knowledge is power and a well informed individual can make better decisions for himself/herself in any aspect of life, business and/or personal.
SPEAKER(s) ALSO PRESENTING:
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