Bluegrass Claims Digital Directory

P-SPhoenix Fire Analysis & Consultants....................................23Pro4mance Fire & Water Restoration...................................24Reinhardt & Associates, PLC...................... Constitution FrontRimkus Consulting Group, Inc..............................................25Ringler................................................................P-S Tab FrontServicemaster Fire & Water.................................................26Servpro Boone/Kenton.........................................................27Servpro Anderson/Franklin/Scott........................ P-S Tab BackServpro Lexington.............................................. P-S Tab BackServpro Pulaski/Laurel...................... Insurance Co. Tab FrontServpro Madison/Rockcastle/Garrard/ Lincoln.......................................... Insurance Co. Tab FrontServpro Pike/Floyd/Knott................... Insurance Co. Tab FrontServpro Versailles/Nicholasville/Danville............ P-S Tab BackServpro Bourbon/Clark/Harrison/Montgomery... P-S Tab BackSlate Creek Contracting Services........................................28Smith Adjusting Inc...............................................................29Sturgill Turner Barker & Moloney.................Constitution Back T-ZTaylor, Keller & Oswald, PLLC.............................................31Tony Huff & Associates.........................................................32Tooms, Dunaway & Webster..................... Members Tab BackTruePoint Investigations, LLC..............................................33Walters Richardson, PLLC.................Insurance Co. Tab BackWard, Hocker & Thornton, PLLC..........................................33

MEDICAL TERMINOLOGY GUIDE TERM TYPE MEANINGA/An Prefix Negative conditionAden Root Algesia Root GlandAlgia Suffix Arth/arthr Prefix Sensitivity to painAsthenia Root Card/cardio Root PainCephal Root Chondri/chondro Root JointCost Root Crani Root WeaknessDerma/dermis Root Dynia Suffix HeartEctomy Suffix Emia Suffix HeadEn Prefix Encephal Root CartilageEpi Prefix Esthesia Root RibGaster/gastero/gastro Root Hemat/hemato Root SkullHepat/hepato Root Hidrosis Root SkinHyper Prefix Hypo Prefix PainInter Prefix Intra Prefix Surgical removalItis Suffix Myel/myelo Root Presence of bloodMyo Root Neur/neuro Root InOlisthesis Suffix Oma Suffix BrainOsis Suffix Osteo/osteo Root On or uponOt/oto Root Otomy Suffix Sensation, feelingPara Prefix Peri Prefix StomachPlasty Suffix Rrhage/rrhagia Suffix BloodSclerosis Root Spondyl Root LiverSub Prefix Supra Prefix SweatingTension Root Thermia Suffix Above normal, excessive, highTrophy Suffix Uria Suffix Less than normal, below, under Within Within Inflammation Bone marrow Muscle Nerve Slipping Tumor Condition or disease Bone Ear Surgical incision Alongside, near Around Form or reform Discharge of substance other than blood Hardening of part of the body Vertebra Under Over, above Categorical A thru Z Pressure Heat or fever Nourishment, growth, generation Urine

Categorical A thru Z NOTES

Categorical Index AccountantsHisle & Co. ........................................................ F-J Tab FrontIngardus...............................................................................15 Appraisal & Claims ServicesA.I.N., Inc. ..............................................................................1Craig Adjustment Company....................................................6Dotson & Associates..............................................................7McCloud Claims Service............................ Inside Front CoverSmith Adjusting, Inc. ............................................................29 AttorneysBonezzi Switzer Polito & Hupp Co, LPA ................................5Green Chestnut & Hughes, PLLC........................................13Landrum & Shouse, LLP................................... K-O Tab FrontMazanec, Raskin & Ryder Co., LPA.....................................20Reinhardt & Associates PLC....................... Constitution FrontSturgill Turner Barker & Moloney.................Constitution BackTaylor, Keller & Oswald, PLLC.............................................31Tooms, Dunaway & Webster..................... Members Tab BackWalters Richardson, PLLC.................Insurance Co. Tab BackWard, Hocker & Thornton, PLLC..........................................33 Car RentalEnterprise ..............................................................................8

Cleaning and RestorationA-One Fabric Restoration...................................A-E Tab FrontCRDN.................................................................... Back CoverFurniture Medic....................................................................12Pro4mance Fire & Water Restoration...................................24Servicemaster Fire & Water.................................................26Servpro Boone/Kenton.........................................................27Servpro Anderson/Franklin/Scott........................ P-S Tab BackServpro Lexington.............................................. P-S Tab BackServpro Pulaski/Laurel...................... Insurance Co. Tab FrontServpro Madison/Rockcastle/Garrard/ Lincoln.......................................... Insurance Co. Tab FrontServpro Pike/Floyd/Knott................... Insurance Co. Tab FrontServpro Versailles/Nicholasville/Danville............ P-S Tab BackServpro Bourbon/Clark/Harrison/Montgomery... P-S Tab Back EngineersAmerican Structurepoint, Inc. ................................................2Argus Engineering, Inc. .........................................................3EFI Global.......................................................... A-E Tab BackRimkus Consulting Group, Inc. ............................................25Tony Huff & Associates.........................................................32 General ContractorsAtlas Contracting.......................................Members Tab FrontJ Cummins Professional Properties.....................................16Jay Construction & Restoration...........................F-J Tab BackMarshall General Contractor, Inc. ........................................19Slate Creek Contracting.......................................................28

Investigative ServicesMatrix Investigation Group..........Adv. A-Z Sv. Index Tab BackNEFCO Fire Investigation....................................................21Phoenix Fire Analysis & Consultants....................................23TruePoint Investigations, LLC..............................................33 Medical Cost ContainmentBHN Bluegrass Health Network.............................................4 Relocation ServicesHousing Headquarters.........................................................14 RoofingLexington Blue....................................................K-O Tab Back Structured SettlementsRingler................................................................P-S Tab Front General InformationAdjuster’s Licensing Requirement......................................... viBGCA Officers/Directory Credits.............................................iBGCA History......................................................................... iiBGCA Meeting/Contact Information...................................... iii

General Information, continuedCalendar............................................................. T-Z Tab FrontDental Charts.......................................................................26Early Signs of a Heart Attack..................................................2Frequently Called Phone Numbers.....................T-Z Tab BackFurniture Terms Glossary..................................................9-12Hospital Confinement Table..................................................17Important Telephone Numbers & Addresses..........................5Indicators of Casualty Fraud................................................27Kentucky Claims Association......................Inside Back CoverKentucky Counties Map.......................................................44Kentucky Office of Insurance..............................A-E Tab FrontLumber Conversion Table.....................................................43Medical Terminology Guide......................Cat. (A-Z) Tab FrontNotes...................................... 30, 22, 18, Cat. (A-Z) Tab BackPast Presidents..................................................................... ivPresident’s Message............................................................. viPolice Report Guide................................ Police/Hospital TabsRetired Members....................................................................vRoof Components..................................................................8Roof Shapes...........................................................................6Skeletal System Diagram.....................................................42Spinal Column Diagram.......................................................34Theories of Defense in Tort Law...........................................35Unfair Claims Settlement Practices Statute.........................36Unfair Claims Settlement Practices Regulations.............37-41Weights and Measures Table.................................................4

A-E

A-E Count on us around the globe – Anytime, anywhere. EFI Global and Unified Investigations & Sciences have joined forces under the EFI Global brand EFI Global is a full-service engineering, fire investigation, environmental, health and safety, and specialty consulting services firm serving a variety of industries in both the public and private sectors. We are a recognized global leader in engineering failure analysis, origin and cause investigations, environmental consulting, laboratory testing and specialty consulting. EFI’s combination of global solutions and local expertise has earned us a reputation for delivering timely responses that consistently meet our clients’ expectations — anytime, anywhere. Learn more at efiglobal.com or contact us 24 hours: 888.888.2467 [email protected]

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INVESTIGATIVE SERVICESANSWERS YOU NEED.WHEN YOU NEED THEM.Call 855.822.1966 or access our Assignment Loss Form atwww.structurepoint.com/investigativeFORENSIC ENGINEERING WIFIRE INVESTIGATIONEXPERT WITNESS AND DISPUTE RESOLUTION MICATASTROPHE RESPONSEPROPERTY CONDITION ASSESSMENT IA PABUILDING ENCLOSURE COMMISSIONING MO IL IN OH KY WV TN MS AL HEADQUARTERED IN INDIANAPOLIS, WE SERVE A 13-STATE REGION FROM THESE OFFICES AND HAVE THE CAPABILITY TO WORK NATIONWIDE EARLY SIGNS OF A HEART ATTACKPain in one form or another almost always accompanies a heart attack.Ranges from a mild ache to one of unbearable severity. When severe, pain isoften felt as constricting, like a vise on the chest. Pain also often includes theburning and bloated sensations that usually accompany indigestion. Painmay be continuous and then might subside - but don’t ignore it if it does. Itcould be in any one or a combination of locations shown below. 2

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Table of Weights and Measures12 inches....................................... =............................................ 1 foot3 feet.............................................. =............................................1 yard5 1/2 yards..................................... =............................................. 1 rod5,290 feet....................................... =............................................1 mile SURFACE144 square inches........................ =................................1 square foot9 square feet................................. =...............................1 square yard30 1/4 square yards...................... =.................................1 square rod VOLUME1,728 cubic inches........................ =.................................. 1 cubic foot27 cubic feet.................................. =................................. 1 cubic yard128 cubic feet................................ =........................................... 1 cord LIQUID2 pints............................................ =.......................................... 1 quart4 quarts......................................... =.........................................1 gallon231 cubic inches........................... =.........................................1 gallon7,485 gallons................................. =.................................. 1 cubic foot METRIC SYSTEM1 centimeter.................................. =..................................3937 inches1 decimeter................................... =...............................3.9370 inches1 meter........................................... =.................................39.37 inches1 dekameter.................................. =.................................393.7 inches1 kilometer.................................... =....................................62137 mile 4

Important Telephone Numbers & Addresses Kentucky Department of Insurance P.O. Box 517 Frankfort, KY 40602 (502) 564-3630 Property Loss Research Bureau 1501 Woodfield Road Suite 400 West Schaumburg, IL 60173-4978 (708) 330-8650 (708) 330-8602 Workers Compensation Board 127 Building US 127 South Frankfort, KY 40601 (502) 564-5550 5

ROOF SHAPES 6

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ROOF COMPONENTS 8

“Putting all the pieces together” F-J Hisle and Company Certified Public Accountants 277 East High Street Lexington, KY 40507 T: 859-259-3403 F: 859-252-1339 www.hisle-cpa.com James M. Roller CPA/ABV/CFF, CVA We solve “the puzzle” for you by:• Determining lost profits and earnings.• Determining the amount of cash, inventory, or other property lost as a result of burglary, employee theft or fire.• Determining if a financial motive exists in arson investigations.• Calculating and applying complex policy provisions to the loss. (i.e. co-insurance, reporting forms, etc.)• Reviewing financial statements for accuracy and compliance with generally accepted accounting principles (GAAP).• Tracing and documenting a “cash trail”.• Business valuations, searching for hidden assets and calculating damages pursuant to court orders. Our firm’s experts will become an integral part of your team”, assisting with the settlement of claims.

F-J

BASIC FURNITURE GLOSSARY OF TERMS 9

BASIC FURNITURE GLOSSARY OF TERMS 10

BASIC FURNITURE GLOSSARY OF TERMS 11

BASIC FURNITURE GLOSSARY OF TERMS 12

859-475-1471 WWW.GCANDH.COM WITH OVER 100 YEARS OF LITIGATION EXPERIENCEProud Supporter of the BGCA and other Insurance Groups201 EAST MAIN STREET, SUITE 800, LEXINGTON, KY 40507 THIS IS AN ADVERTISEMENT 13

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Do you need forensic accounting services to complete an open claim or case? We can help.Claims Review for Litigation Services:Financial Losses: • Consulting Expert &• Business Interruption Trial Support• Extra Expense • Financial Analysis• Loss of Earnings • Fraud Investigation• Theft• Financial Motive/Incentive We are excited to announce that the principals ofJohnson, Cambra & Sherwood, Inc. have joined Ingardusto provide you with expanded forensic accounting expertise. If you are interested in learning more about our services forforensic accounting matters, we encourage you to contact us or visit our website at ingardus.com. Email us at Reach us via phone: Contact us viaassignments@ Cincinnati (513) 530-0080 our online formingardus.com. Chicago (312) 840-4447 at ingardus.com. Cleveland (440) 846-1221 Indianapolis (317) 733-3500 Louisville (502) 552-2291 Integrity. Strength. Experience. 15

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Hospital Confinement TableThis table shows approximate periods of hospital confinementnecessary for various surgical procedures or injuries.Confinement periods vary from person to person dependingupon many factors and subject to various complications so thatthe periods shown should be used only as a general guide. SURGICAL PROCEDURE OR INJURY CONFINEMENT (DAYS) ANKLE Open reduction...................................................................... 3-6 Closed reduction................................................................... 3-6 FEMUR Open reduction................................................................... 14-18 Closed reduction.................................................................. 8-12 HERNIAS...............................................................................5-7 HUMERUS Open reduction.......................................................................5-7 Closed reduction................................................................... 3-5 LAMINECTOMY With fusion..........................................................................18-24 Without fusion....................................................................... 8-12 RADIUS, ULNA Open reduction.......................................................................5-7 Closed reduction....................................................................1-2 SHOULDER (BURSECTOMY)............................................. 6-9 SPRAINS & STRAINS OF BACK........................................ 6-8 SPRAINS & STRAINS OF OTHER JOINTS/MUSCLES......5-7 TIBIA Open reduction................................................................... 14-18 Closed reduction.................................................................. 8-12 17

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K-O

K-O Roofing • Siding Gutters • WindowsWhen Quality Matters, & More! We Deliver! 859-368-6346 LexingtonBlue.com

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THE P-S POWER TO SEE THE WHOLEPICTURERingler Consultants have thesophistication and the experienceto fit all the pieces together usingstructured settlement solutionsand much more.Winning solutions.Winning outcomes. Ryan Christen Oliphant [email protected] Gayle Christen, CPCU [email protected] 877.541.9388 R

SERVPRO® of Lexington 859-225-3193 SERVPRO® of Anderson, Franklin and Scott Counties 502-226-4441 SERVPRO® of Versailles, Nicholasville and Danville 859-887-1123 SERVPRO® of Bourbon, Clark, Harrison & Montgomery Counties 859-759-0034 FIRE & WATER DAMAGE ■ 24/7/365 Emergency Service ■ Commercial and Residential ■ Trained, Uniformed Professionals ■ Restore vs. Replace ■ Insurance Company Restoration VendorP-S Over 1,700 Franchises in North America | SERVPRO® Franchise System Serving Since 1967

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TM Fire & Water Restoration Services LLC Emergency Water Removal and Structure DryingFire Damage Repair • Smoke Damage Cleaning • Complete Rebuilds Commercial Building Restoration • Temporary Repairs • Board Ups Content Cleaning Services • Content Move Out Services Demolition Services • Mold Remediation • Wind & Hail Repair24-Hour Fire & Water Restoration www.pro4mance.com Roland Fowler 859-940-4671 Apryl Fowler 859- 533-2671 We work closely with the insurance industry to provide quick and professional response to property damage. 24-Hour Emergency Service TOLL FREE: 866-272-4003 132 MacArthur Ct, Nicholasville 40356 24

FORENSIC CONSULTING & EXPERT WITNESS SERVICESRimkus Consulting Group is a worldwide provider of forensic consulting services. Our team of professional engineers,scientists and technical experts specialize in the resolution of claims and disputes. 3D Forensic Animation 3D Laser Scanning Accident Reconstruction Aerial Drone Inspections Biomechanics Design Services Human Factors Property Damage Fire & Explosion Construction Disputes Environmental Toxic Torts Manufacturing Liability Marine Sciences Oil & Gas Disputes Healthcare Technology Premises Liability Product Liability Toxicology Offices Nationwide For more information contact Kathy Johnson [email protected] 10200 Forest Green Blvd. Suite 112 Louisville, KY 40223 www.rimkus.com 855-463-6871 25

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INDICATORS OF CASUALTY FRAUDIndicators of Automobile Accident Schemes• Either no police report or an over-the-counter report for an accident resulting in multiple injuries and/or extensive physical damage.• Accident occurred shortly after one or more of the vehicles were purchased or registered, or after the addition of comprehensive & collision coverage to the policy.• Insured has a history of accidents within a short period of time on one policy.• Insured has no record of prior insurance coverage although damaged vehicle was purchased much earlier than inception of policy & date of loss.• Expensive, late model automobile was recently purchased with cash (no lienholder).• Attorney’s lien or representation letter is dated the day of the accident or soon after.Indicators of Auto Physical Damage Fraud• Serious accident with expensive physical damage claim but only minor, subjectively diagnosed injuries, with little or no medical treatment.• Despite expensive damage claims, the claimant vehicle remains drivable. Often, there are no towing charges for removing the vehicle from the scene of the accident.• Claimant vehicle was struck by a rental vehicle soon after the rental had occurred.• Claimant vehicle is not to be repaired locally, but driven or shipped out of state for repair.• All vehicles in a reported accident are taken to the same body shop.• Claimant vehicles are not readily available for independent appraisal.• Reported accident occurred on private property near residence of those involved. Copyright 1992 National Insurance Crime Bureau. All rights reserved. 27

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2019 T-Z

FREQUENTLY CALLED PHONE NUMBERST-Z

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WARD, HOCKER & THORNTON, PLLC ATTORNEYS AT LAW www.whtlaw.com VINE CENTER HURSTBOURNE PLACE333 WEST VINE STREET 9300 SHELBYVILLE ROAD SUITE 1100 SUITE 700LEXINGTON, KY 40507 LOUISVILLE, KY 40222 (859)-422-6000 (502) 583-7012 FAX (859)-422-6001 FAX (502) 583-7018A full-service firm, devoted almost exclusively to the defense of civil litigation including:automobile claims – workers’ compensation – products liability – premises liability –municipal liability – toxic tort – state & federal discrimination – labor & employment –surety & fidelity – medical & legal malpractice – contracts – commercial & businesslitigation – financial institution law – fire & casualty – trucking & transportation. Clientsinclude major insurance carriers, national adjusting companies, self-insured groups, andself-insured companies.MEMBERS: Walter A. Ward – George B. Hocker – Gregg E. Thornton – Brian H. Stephenson– Gene F. Zipperle, Jr. – William H. Partin, Jr. – Licha H. Farah, Jr. – Donald C. Walton III –Brian M. Gudalis – Ashley K. Brown – John O. Hollon 33