Property Insurance Claims After Disasters

Level: Intermediate
Runtime: 63 minutes
Recorded Date: July 18, 2018
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  • Walk-through a typical insurance policy and identify typical issues that can come up when disaster strikes
  • Highlight common problems such as "revolving adjustors", poor explanations of depreciation, and lowball offers
  • Discuss steps for determining liability when the property is under-insured by walking through how to determine if the owner is working with an agent, a broker, or something else; what duties flow from the relationships; and when negligence claims can be pursued
  • Explore options for restitution outside of insurance
  • Looking ahead to how increased disasters might affect insurance laws
Runtime: 1 hour and 3 minutes
Recorded: July 18, 2018


Insurance is the primary source of money to get people back home after a total loss, but the majority of disaster victims find themselves under-insured. Studies after wildfires and floods show that it takes at least two years, and as many as three to five, to get people back home after disasters.

If disaster strikes, make sure your clients have the legal support they need to work through insurance issues.

This program was recorded on July 18th, 2018.

Provided By

American Bar Association


Daniel J. Veroff

Kerr & Wagstaffe, LLP

Daniel J. Veroff SELECTED IN 2018 THOMSON REUTERS Dan’s practice is focused on plaintiff-side insurance coverage and bad faith litigation. He handles disaster, property, disability, life, liability and other types of insurance claims. He also handles broker and agent negligence and underinsurance suits. He prosecutes individual as well as class action claims. In addition to insurance, Dan practices in the areas of consumer law, first amendment, defamation and civil rights. Dan has been designated as a Super Lawyer, Rising Star for his insurance practice. His work has been cited by the California Supreme Court.

He has served as an advisor to the National Association of Insurance Commissioners on disability insurance laws. He is frequently published in local and national legal publications, and presents continuing legal education courses to local and national bar associations. Dan is also on the board of United Policyholders, a non-profit organization dedicated to insurance consumer rights, and on several bar association committees.

He is a graduate of the University of California, Hastings College of the law, where he served as an editor on two law journals. He is also a graduate of the Consumer Attorneys of California leadership program.

Emily Rogan

United Policyholders

Emily Rogan joined United Policyholders (UP) in January 2008. As the Chief Operating Officer, Emily works closely with the Executive Director, UP staff, and volunteers to advance the mission of the organization. Along with performing high-level operational management, Emily is instrumental in UP’s programmatic success. Her role in the Roadmap to Preparedness Program involves educating homeowners and renters throughout the Bay Area. Through the Roadmap to Recovery program, she organizes workshops and webinars to provide long term recovery help to disaster survivors and case managers across the county. Collaboration is one of the keys to her success, and Emily builds and maintains relationships with Voluntary Organizations Active in Disaster (VOAD) members, non profits, government, and the faith based community. She proudly represents UP at conferences, meetings and workshops.

A San Francisco native, Ms. Rogan received a Bachelors of Arts in Sociology from the University of California, Riverside and a Certificate in Nonprofit Management from San Francisco State University. She currently serves on the Curriculum Board of the California Department of Insurance, the Executive Committee for San Francisco VOAD, the Education Committee for the National Association of Public Insurance Adjusters and on the CaliforniaVolunteers – Office of the Governor EF - 17 Working Group. She also served on the Executive Committee of NorCal VOAD from 2011 – 2015 and as Chair from 2014-2015.

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