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J.S. Held expands building consulting practice in Canada with the acquisition of SPECS.

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Exposure Analysis: The Performance Bond Cost to Complete

When faced with a performance bond claim, the Surety will often seek to determine its overall exposure or expected loss. Once determined, the Surety can use this information to make educated decisions as to how to address its obligations under the bond. The analysis to...

Technical Topics

Equipment Costs - Civil Construction

In an ideal world, the insurer will be notified of a builder’s risk loss in a timely manner and prior to completion of repair work. This allows for discussions with the contractor on appropriate methods of tracking incurred repair costs and the documentation that will...

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Defining Indemnity in the Context of Actual Cash Value Calculations

The concept of indemnification for loss is at the core of property insurance reimbursement. Insurance policies are designed to put the policyholder in the same position he or she would have been in had no loss occurred. In the modern era, however, insurers have created...

Technical Topics

Evaluating Equipment Replacement Costs for Gas Station Losses

In recent years, evaluation of damage to gas station equipment is one of the most highly requested reviews the J.S. Held equipment division receives. Fuel station technology is evolving rapidly. Fuel dispensers, underground storage tank monitoring systems, and point of sale systems are closely integrated...

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The Appraisal Process: An Outline for Making Awards Useful & Final

Over the past decade, appraisal has become a popular method to settle disputes regarding the value of a loss. Its main perceived advantages over litigation are that it is considered fast, inexpensive, and relatively final. But one of the most widely held criticisms of the...

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The What, When & How Much of General Conditions (Overhead) and Markup (Profit)

Overhead and profit (or O&P as it is most often referred to) is frequently a misunderstood term. It can often be the subject of misapplication and dispute, and in connection with the alleged custom and practice in the insurance claims world, has become the subject...

 
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