Episode #74 - Adjusters, Reserves, and the Fine Line Between Insolvency and Bankruptcy

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In this episode of The Art of Adjusting® Podcast, Chantal and Sandy break down the often-confused differences between bankruptcy, insolvency, and reserves—and why every adjuster should understand how their decisions impact a carrier’s financial stability.

From SpongeBob memes to real-life cautionary tales, they show how financial instability can start with a single misstep in reserve-setting.

Sandy explains why AI can’t replace the artistry of reserves, while Chantal explains how carrier solvency, rate approvals, and even state-specific nightmares (we're looking at you, Florida) all connect back to the adjuster’s file. And yes—they call out the habits that hurt the most (👀 stair-stepping).

All while keeping it fun, real, and relevant.

If you’ve ever asked:

• What happens when an insurance company runs out of money?
• Why do regulators care so much about reserves?
• Can your reserve notes really impact carrier rates?

Then this episode is for you.

🎧 Listen now—and subscribe for more real talk about the hidden power of your adjusting decisions.
Your future claims career might just thank you.

#Adjusters #InsuranceNerds #ClaimsHandling #SolvencyVsBankruptcy #TheArtOfAdjustingPodcast #Riskfluencer #ClaimReserves

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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