SGD, Inc.

The SGD team has a lot to celebrate this month! ✨

Work anniversaries are a great reminder of the experience, teamwork, and steady commitment that support every part of the claims process. From supervising files and reviewing claims to supporting clients, coordinating teams, and keeping daily operations moving, these contributions make a real difference.

Please join us in celebrating:

👏 Kimberley Hickey, Vice President IA Services — 17 years
👏 Al Solis, Senior Liability Adjuster — 17 years
👏 Eva Driscoll, Senior Cargo Adjuster – 13 years
👏 Michael Fisher, Senior Property Claims Adjuster – 11 years
👏 Monique Luna, Senior Administrative Assistant — 11 years
👏 James Alandy, Claims Supervisor — 7 years
👏 Natasha Nascimento, Senior Liability Adjuster – 4 years
👏 Robert Sanchez, Senior Liability Adjuster — 4 years
👏Donna Bulanowski, Commercial Claims Examiner – 3 years

We’re grateful for the knowledge, care, and reliability each of you brings to SGD. Thank you for helping us continue to deliver dependable claims service year after year.

Congratulations to all! 🎊

Smoke damage can be one of the most difficult parts of a wildfire loss to evaluate. California’s newly passed AB 1795, the Smoke Damage Recovery Act, aims to bring more clarity to the process.

The law establishes statewide standards for investigating and restoring smoke-damaged homes, including insurer-paid testing, claim timelines, restoration requirements, adjuster training, and protections around a policyholder’s choice of contractor.

For insurance and property professionals, the takeaway is important: smoke exposure is becoming a more formally defined part of the wildfire claims process.

🔥 Learn more about AB 1795 and what it means for policyholders: https://loom.ly/pbnq4h8

Dealing with a complex smoke claim? We can help 👉 https://loom.ly/kCjRaco

Heading to the IACP 2026 Annual Conference?

Our President, Peter Schifrin, will attend the International Association of Claim Professionals’ Annual Conference, taking place September 27–30th at The Ritz-Carlton Dove Mountain in Marana, Arizona.

IACP brings together senior claims professionals from across the industry to build relationships, exchange ideas, and discuss the strategic claim issues and trends shaping the profession.

We look forward to connecting with industry peers and joining conversations focused on the future of claims. If you’ll be attending, be sure to say hello to Peter while you’re there!

Comment below or email us at [email protected] to set up a time to connect.

Truck and heavy equipment losses often involve more than visible damage. Repair costs, downtime, rental needs, transport logistics, liability questions, and supporting documentation requirements can quickly add complexity to the claims process.

SGD handles claims involving trucks, trailers, and heavy equipment with the detail and responsiveness needed to keep the process moving. Our team provides timely inspections, thorough documentation, and clear communication, especially when a key piece of equipment is out of service.

When your client depends on that vehicle or equipment to keep business moving, experienced claims handling from the start matters.

Need help getting a truck or heavy equipment loss moving?
SGD is ready to assist. 👉 https://loom.ly/kCjRaco

Cannabis may divide opinions, but the complexity of the claims is clear. 🌿

When a cannabis business experiences a loss, there are often multiple areas that need to be evaluated, including:

▪️ Inventory
▪️ Specialized equipment
▪️ Security measures
▪️ Business interruption
▪️ Liability exposures

Every operation is different. That's why SGD works with clients on claims involving specialized risks, including cannabis-related businesses, where thorough documentation, clear communication, and careful review are essential when unique operations or industry-specific concerns are involved.

Need support with a cannabis-related risk? Let's talk. 👉 https://loom.ly/kCjRaco

We’re excited to see Peter Schifrin, RPA, take the stage at the 2026 Claims Conference of Northern CA in Sacramento this September! 🎤

Peter will be presenting a 1-hour CE session on Wednesday, September 2nd from 2 - 3 pm in Classroom 3, titled: "Order Out of Chaos: Managing a Complex Property Claim Involving Suspected Fraud and Coverage Issues"

The session will dig into the challenges of managing a complex commercial property claim, including suspected fraud, coverage issues, resource coordination, and preferred claims practices.

Sean Mahoney will also be attending the conference alongside Peter, and our team is looking forward to a great few days of learning, conversations, and industry connections.

Attending CCNC? Comment below or email Peter directly to schedule a time to connect while you’re there!
📧 [email protected]

With fall just around the corner, stronger winds and storm-related losses won't be far behind.

After a storm, the visible damage is often only part of the picture. A timely response, along with confidence that the claim is being managed properly, can make all the difference.

High winds can leave behind:

⚡ Roof damage
⚡ Water intrusion
⚡ Damaged exterior structures
⚡ Fallen trees and debris impact

Early stages of a claim can be overwhelming. SGD helps bring structure to that process.

Our team reviews the details, documents the damage, communicates with everyone involved, and helps move the claim forward with the responsiveness clients need after a weather event.

Get experienced support when storm damage occurs. 👉 https://loom.ly/kCjRaco

Behind every claim file is a team keeping the process moving.

Claims work takes patience, communication, and attention to detail. From reviewing documentation and supporting insureds and claimants to coordinating next steps and keeping operations running smoothly, each role helps deliver the level of service our clients expect.

This month, we’re celebrating SGD team members who bring experience, focus, and consistency to the work we do every day:

🎉 Daniel Meza, Senior Adjuster — 7 years
🎉 Humberto Ayala, Sr. Liability Adjuster — 4 years
🎉 Emily Vogel, Commercial Claims Examiner — 2 years
🎉 Melissa Beckham, Administrative Assistant — 1 year

Thank you all for your dedication and commitment over the years. Congratulations on another milestone with SGD!

Sometimes the most important question in a claim is: Who else may be responsible?

That answer is not always obvious at first. A property loss may involve a contractor. An auto accident may involve another driver. A workers' compensation matter may involve a third party. A product failure may point to a manufacturer, vendor, or installer.

When third-party responsibility may exist, SGD's Subrogation Team works to identify potential recovery opportunities before they are lost. Through careful fact review, documentation, and coordination with the appropriate parties, the team helps keep the recovery process on track.

A strong subrogation strategy can help maximize recovery opportunities long after the initial loss is reported.

Have a file with subrogation potential? Our team is ready to review it. 👉 https://loom.ly/uUGggWI

One missing document can slow down an entire cargo claim. ❌

Gathering the right information early can make a real difference in how smoothly the claim moves forward.

A few key reminders:

✔️ Report the loss promptly
✔️ Save bills of lading, invoices, and delivery records
✔️ Take photos of damaged goods and packaging
✔️ Keep communication records with drivers, carriers, and receivers

SGD handles cargo claims with the experience and attention to detail needed to get an accurate adjustment.

Need support with a cargo claim? Submit the claim today. 👉 https://loom.ly/kCjRaco