Successfully reported this slideshow.
We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. You can change your ad preferences anytime.

Disaster Insurance Mediation Program1


Published on

Ensure you take the right steps after a disaster strikes, and prepare for a potential insurance dispute by learning about mediation and other alternative dispute resolutions. mediation

Published in: Business
  • Be the first to comment

  • Be the first to like this

Disaster Insurance Mediation Program1

  1. 1. D I S A ST E R I N S U R A N C E M E D I AT I O N P R O G R A M
  2. 2. D I S A S T E R I N S U R A N C E M E D I A T I O N P R O G R A M After a Natural Disaster Strikes, Insurance Disputes Become a Complex Problem Fact: Under normal circumstances, even simple legal disputes over insured claims take 1-2 years to be resolved. Fact: In times of disaster, the court system becomes even more overburdened, and legal disputes over insured claims take longer and longer to resolve. Fact: After a natural disaster, legal issues regarding insurance coverage claims are complex. For example, when a hurricane hits, there are consumer and commercial insurance disputes over whether floods caused damage, whether wind caused damage, or whether “wind- blown water” caused damage. There may be thousands of business interruption coverage issues as well. W W W . A D R F O R U M . C O M 1
  3. 3. THE FORUM IS EXPERIENCED IN RESOLVING PROPERTY DAMAGE AND PERSONAL INJURY INSURANCE DISPUTES The National Arbitration Forum (FORUM) provides a solution for problems that natural disasters cause to policyholders and insurers. We have a national panel of more than 1,500 legally trained mediators and arbitrators in all 50 states who resolve tens of thousands of legal disputes each year. A special portion of our national panel consists of mediators and arbitrators who are retired judges and seasoned attorneys with expertise in resolving insurance-related property damage and personal injury cases. THE FORUM ADMINISTERS ONE OF THE LARGEST INSURANCE ADR PROGRAMS IN THE NATION The New Jersey Department of Insurance selected us to administer a dispute resolution program for insurance disputes. Under this program, we administer more than 20,000 legal disputes each year. For other insurance-based dispute resolution programs, we draw upon our existing infrastructure of experienced arbitrators and mediators, technology and online resources, and know-how to provide insurers, policyholders, and insurance regulators with the service they need when large numbers of insurance disputes need to be resolved quickly and expertly. HOW THE FORUM RESOLVES on Expedited Arb itra diati Arbitration tion INSURANCE DISPUTES Me Co d ite n Pa mp ed tio ne lex xp dia E e ls For most insurance disputes, M tion Me nline Spe ters we provide expedited Ma dia cia s O l mediation and arbitration. A D R S O L U T I O N S 2 W W W . A D R F O R U M . C O M
  4. 4. Mediation involves assisting parties with insurance disputes to voluntarily reach their own agreement to resolve their differences. Typically, a neutral, third-party mediator assists parties in negotiating the resolution of a dispute between them. Arbitration can be non-binding OVERVIEW OF THE FORUM or binding, depending upon MEDIATION PROCESS what the parties agree to do and STEP ONE The FORUM helps convene matters by depending upon what insurance AGREEING contacting parties to TO MEDIATE bring them to the table. regulations require. Arbitration is a streamlined legal procedure Request for Mediation forms administered and managed by STEP TWO are available online, or a simple phone call can start an independent third party for INITIATING THE PROCESS the process. The FORUM provides a single point of two or more parties with a legal contact for all communica- tions prior to the mediation. dispute. The parties present their arguments and evidence to an STEP THREE The FORUM has a national arbitrator who, in turn, decides panel of more than 1,500 SELECTING neutrals to choose from and the case. A MEDIATOR maintains comprehensive information on all panelists. The FORUM administers a strike-and- rank process We can resolve cases at a fixed if desired. locale in a city or state, or The FORUM works with all STEP FOUR parties to find a mutually FORUM mediators or arbitrators PREPARING convenient time and loca- FOR THE tion for the mediation, and can resolve cases in their MEDIATION SESSION administers mediations under statutory, government individual offices. Alternatively, and pre-existing mediation requirements. The FORUM if the parties agree, or if insurance also maintains a set of rules to guide the mediation. regulations permit it, the parties can work with a FORUM STEP FIVE FORUM mediators are trained to properly guide mediator or arbitrator over DURING THE the process, uncover MEDIATION SESSION interests of the parties, the phone. facilitate communication, and develop creative settlement options. The diagram at right outlines STEP SIX The FORUM assists in the settlement process and is the format for a typical FORUM- CONCLUDING available to easily assist parties with additional administered mediation. THE MEDIATION mediation sessions or alternative processes to resolve their dispute if necessary. W W W . A D R F O R U M . C O M 3
  5. 5. HOW TO GET STARTED WITH US If there are existing insurance regulations or legislation governing how disaster insurance disputes should be resolved, we will work within that structure to help resolve disputes. If there are no guidelines, it is simply a matter of policyholders and insurers agreeing to use our services to help resolve the disputed insurance matter. If left too long, small insurance coverage disputes can become big problems down the road. We can provide a proven solution to insurance coverage disputes today. We provide mediation procedures and forms on our website at To request help with an insurance coverage mediation or to start an insurance mediation program, parties should also contact FORUM’s Director of Insurance Programs, Keith Maurer, Esq. at 877-655-7755, ext. 6426, or at 4 W W W . A D R F O R U M . C O M
  6. 6. A FORUM Dispute Management Organization 6465 Wayzata Blvd., Suite 500 Minneapolis, MN 55426 877-655-7755 © 2006 NATIONAL ARBITRATION FORUM DI 09/06