Aerial Imagery in Insurance: Policyholder and Insurer Perspectives and Best Practices

Ms. Bach has been a professional insurance consumer advocate since1985. She co-founded United Policyholders in 1991 and serves as the organization’s Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. A nationally recognized advocate for policyholders and an expert on insurance trends, claims, coverage, law and public policy matters; Ms. Bach is in her second term as an appointed member of the Federal Advisory Committee on Insurance and has been an official Consumer Representative with the National Association of Insurance Commissioners since 2009. She is also a member of the Fire Victim Trust Oversight Committee and a Redwood Credit Union Associate Board Member. Ms. Bach is frequently interviewed in print and broadcast media, and is the author of numerous publications including “The Disaster Recovery Handbook”, “WISE UP: The Savvy Consumer’s Guide to Buying Insurance” and a contributor to several editions of “Buying Your First Home” (Nolo Press), Bach’s awards include Person of the Year, (NAPIA) and Money Magazine’s “Money Hero”.

Mr. Rybny is a Partner and Chair of TTH’s Insurance Regulatory, Compliance & Governance Practice. He brings over 25 years of experience in counseling insurance carriers, agents and third-party administrators in various capacities. While Mr. Rybny continues to represent insurers in litigations involving coverage questions arising under property & casualty, fiduciary liability, professional liability and commercial crimes policies, ten years ago he recognized that a vacuum existed on the regulatory side among certain aspects of the insurance industry as many attorneys spent much of their careers in the departments of insurance than in the courtroom defending the language of the insurance policies. He emerged himself in various insurance regulatory matters, bringing with him his not only his knowledge of the business of insurance from representing insurers in extra-contractual and coverage litigations, which experience gives him the unique ability to advise and counsel insurers on corporate and policy-related issues even before litigation arises. Mr. Rybny now counsels insurers on creating innovative insurance products, general regulatory compliance. His approach to regulatory matters is cost-effective, practical and risk-based. Mr. Rybny has taken part in special investigations involving international banks and foreign companies, as well as property claims as a result of Superstorm Sandy and Covid-19. He is a prolific author and speaker on emerging issues in the insurance industry, providing both in-house training and presentations at various organizations around the country.