Example 1:

Claim:    Fire & Physical Damages                            
Claim Amount:  $2 Million                         
Telecommunications switching equipment:

The insured claimed that the equipment was no longer manufactured, therefore it was not repairable and would need to be replaced with upgraded telecommunications switches.
 
JTC findings:
Recommendation: $900,000.00

Verified the cause and extent of the damages.  Also determined that the equipment could be replaced with new equipment of like kind and quality for a total cost of $900,000.
Used and/or refurbished were not options with the coverage for this file.

JTC Consulting also provided subrogation and expert witness services for this loss. 


 Example 2:

Claim:    Hail Damages                            
Claim Amount:  $14,000.00                         
(5) Air conditioning condensing units:

The insured claimed that the condensing units were not repairable and would all need to be replaced with new units.
 
JTC findings:
Recommendation: $500.00

Verified the cause and extent of the damages.  Also determined that the cooling fins on the units could be combed out returning the insured to pre-loss condition for an estimated cost of $375.00 to $500.00.


 Example 3:

Claim:    Faulty Electrical Outlet                            
Claim Amount:  $10,000.00                         
SeeSnake, sewer pipe camera snake:

The insured claimed that the unit was damaged when it was plugged into a bad electrical outlet.  Their vendor informed them the unit could not be repaired and and provided a new replacement estimate of $10,000.00.

This was the third similar replacement loss for this unit that the insured had filed.
 
JTC findings:
Recommendation: $2,600.00

Determined the damage was due to the unit being placed into an electrically energized pipe, not a bad electrical outlet.  Also determined that the unit could be repaired by a different factory authorized service center returning the insured to pre-loss condition for an estimated cost of $2,600.00.


 Example 4:

Claim:   Shorted out after filling unit with freon                           
Claim Amount:  $4,844.00                         
Residential air conditioning condensing unit:

The insured claimed that the condensing unit was not repairable and would all need to be replaced with a new unit.
 
JTC findings:
Recommendation: $1,781.00

Verified the cause and extent of the damages.  Also determined that the compressor inside of the condensing unit could be replaced for an estimated cost of $1,781.00.


Example 5:

Claim:    Water Damage                            
Claim Amount:  $25,000.00                         
Security Equipment in Nursing Home:

The insured claimed that the security, alarm and facility access equipment was damaged by water when a pipe burst over the equipment.  Their vendor informed them the equipment could  be repaired for an estimated cost of $25,000.00.
 
JTC findings:
Recommendation: $2,500.00 &/Or $3,800.00

Verified the cause and extent of the damages.  Also determined that the equipment could be repaired with restored replacement components, returning the insured to pre-loss condition for an estimated cost of $2,500.00 or by replacing the damaged components with new components for $3,800.00.


Example 6:

Claim:    Fire / Soot                            
Claim Amount:  $23,000.00                         
Faulty Residential Fire Logs:

The insured claimed that the residence was contaminated by smoke and soot when their electronically starting gas fire logs failed to function properly.  Damages to the home were estimated at $23,000.00
 
JTC findings:
Recommendation: $0.00

Determined the damage was due to the fire logs having been operated for an extended period with the fireplace flew in the closed position.


Example 7:

Claim:    Theft                            
Claim Amount:  $107,000.00                         
Cellular telephones stolen from service center:

The insured claimed that their facility had been burglarized and that the theft totalled $107,000.00 worth of cellular telephones.

This was the second similar theft loss that the insured had filed for two different stores.
 
JTC findings:
Recommendation: $17,000.00

Verified the theft and determined that the missing phones could be replaced with refurbished telephones of like kind and quality, returning the insured to pre-loss condition for an estimated cost of $17,000.00.


 Example 8:

Claim:    Lightning                            
Claim Amount:  $18,000.00                         
Elevator:

The insured's vendor informed them that the replacement parts needed to repair the elevator were no longer available.  An estimate was then provided to upgrade the entire unit for a total cost of $18,000.00.
 
JTC findings:
Recommendation: $3,300.00

Verified the cause and extent of the damages.   Located replacement parts and vendor to repair the existing elevator, returning the unit to pre-loss condition for an estimated cost of $3,300.00.


 Example 9:

Claim:    Lightning                           
Claim Amount:  $398,515.00                         
911 Emergency Response Equipment:

After the loss, the insured was informed by their vendor that the equipment involved in the loss had been damaged by lightning and that it was obsolete and could not be repaired.  The vendor also provided an estimate for new replacement equipment totaling $398,515.00.
 
JTC findings:
Recommendation: $96,994.00

Verified the cause and extent of the damages.  Located replacement parts and vendors to repair the existing equipment to return the insured to pre-loss condition for an estimated cost of $96,994.00 including parts and labor.


Example 10:

Claim:    Power Surge                            
Claim Amount:  $26,000.00                         
Telephone System:

The insured's vendor informed them that the replacement parts needed to repair the telephone system were no longer available.  An estimate was then provided to upgrade the entire system for a total cost of $26,000.00.
 
JTC findings:
Recommendation: $339.00

Verified the cause and extent of the damages.   Located replacement parts and vendor to repair the existing system, returning the unit to pre-loss condition for an estimated cost of $339.00 including parts, software and labor.


Example 11:

Claim:    Water                           
Claim Amount:  $28,000.00                         
Color Canon Copier:

The insured's vendor informed them that the unit was damaged beyond repair.  An estimate was then provided to replace the unit with a new unit for a total cost of $28,000.00.
 
JTC findings:
Recommendation: $9,800.00

Verified the cause and extent of the damages.   Determined that the unit was damaged beyond repair.  Located a used/refurbished replacement unit of like kind and quality in the same model and configuration as the insured's original unit for a total cost of $9,800.00.


 Example 12:

Claim:    Lightning                            
Claim Amount:  $31,000.00                         
Misc. electronic equipment in a major hotel:

Lightning struck the insured's hotel causing damages to TV's, air conditioners, wireless internet, security system, computers, telephone system, lobby music and facility access doors.  The insured was provided with repair/replacement estimates totaling $31,000.00 from their vendors and service providers to return them to pre-loss condition.
 
JTC findings:
Recommendation: $10,488.00

Verified lightning as the cause and determined the extent of the damages.   Managed the loss to minimize any business interruption and located replacement parts and vendors to repair/replace the equipment involved in the loss for an estimated cost of $10,488.00.


Example 13:

Claim:    Water                           
Claim Amount:  $120,436.00                         
Misc. electronic equipment in a major University:

Water pipes broke causing damages to telecommunications equipment for the local area network of a major university.  The insured was provided with repair/replacement estimates totaling $120,436.00 from their vendors and service providers to return them to pre-loss condition.
 
JTC findings:
Recommendation: $53,489.00

Verified the extent of the damages and located replacement parts and vendors to repair/replace the equipment involved in the loss for an estimated cost of $53,489.00.


Example 14:

Claim:    Lightning                           
Claim Amount:  $65,784.97                        
Misc. electronic equipment in bowling alley:

Lightning causing damages to monitors, computers, registers, network equipment, air conditioners and pin setting equipment.  The insured was provided with repair/replacement estimates totaling $65,784.97 from their vendors and service providers to return them to pre-loss condition.
 
JTC findings:
Recommendation: $35,865.00

Verified the cause and extent of the damages and located replacement parts and vendors to repair/replace the equipment involved in the loss for an estimated cost of $35,865.00.


Example 15:

Claim:    Power Surge                           
Claim Amount:  $24,018.00                        
(EDM) Electrical Discharge Machine:

A power surge damaged the insured's EDM machine, which is used for cutting metal in a machine shop.  The insured reported that the unit could not be repaired and provided an estimate totaling $24,018.00 to replace the damaged equipment with a new unit.
 
JTC findings:
Recommendation: $5,000.00 & $13,500.00

Verified the cause and determined the extent of the damages were beyond repair.  Located a used replacement system of like kind and quality for $5,000.00 and a new replacement system of like kind and quality for $13,500.00.


Example 16:

Claim:    Fire                          
Claim Amount:  $39,000.00                        
Fire damage to heavy equipment:

Insured reported that a bobcat, case skidster and a leeboy paver were all damaged when the trailer they were being transported on caught on fire.  The insured provided replacement estimates totaling $39,000.00 for the three units involved in the loss.
 
JTC findings:
Recommendation: $16,235.00

Verified the cause and extent of the damages and located a vendor who provided an estimate to refurbish the equipment involved in the loss, returning it to pre-loss condition for a total cost of $16,235.00.