Property Claim Gets Dentist Fired Up

About CNA’s Dental  Recovery Program

After successfully practicing dentistry for 28 years, the last thing Dr. Barry Saltz, D.D.S., P.A.,
expected was a midnight call about a fire. But, when he and his wife arrived at the building his
father built in 1974, a two-alarm blaze rocked him to the core. “We could not believe what had
happened,” recalled Dr. Saltz. “Thus began an odyssey of trying to make order from chaos on
almost every level of complexity … a true nightmare.”

Fortunately, CNA’s property general claim adjuster, and the RMC Group LLC, a restoration
management and reconstruction company, quickly responded to implement CNA’s Dental
Recovery Program. According to Dr. Saltz, “They stepped up to the plate and helped me put
my life back together. Although there is still a long way to go, I feel we are definitely on the
right track.”

But that’s not what Dr. Saltz heard from colleagues and friends immediately after the fire. The
directive was to get a public adjuster to help navigate dealing with his carrier. Dr. Saltz said he
was ready to “deal with the big, bad insurance companies my peers told me about, but none
of these friends had CNA coverage.”

“Then the CNA adjuster called, and I told him I had tentatively signed paperwork with a public
adjuster. I also shared my history of having a CNA policy through the Professional Protector
Plan® for Dentists since my practice inception in 1984; that as a past president of the Maine
Dental Association (MDA) we endorsed the Professional Protector Plan program as long as I
could remember; and the MDA Council on Insurance recommended re-endorsement of the
policy for association members to the MDA Executive Board, which was then approved. CNA’s
adjuster calmly asked that I give him a chance, adding that CNA didn’t work the way other
carriers did. His kind, sincere demeanor resulted in my canceling the other agreement, and I
never looked back.”

Since then, Dr. Saltz, the CNA adjuster, and Bill Sutter, President and CEO of the RMC Group
LLC, and his team, have been in constant communication. According to Dr. Saltz, “CNA’s
adjuster has been especially calming and reassuring. As I have told the group, I feel as though
I have the A team, and I have made life-long friends.”

“CNA’s dental recovery program is unique to the competition in many ways,” explained Dr.
Satlz. “Since the fire, I have discussed the policy value with colleagues nationwide, and many
of them have already changed carriers to CNA. Frankly, CNA is probably known more for
its malpractice coverage because there is a greater likelihood for that type of claim than a
disaster occurring. However, after going through my experience and listening to the poor
treatment of colleagues by other carriers, I believe CNA has a marketplace for dentists. It
wasn’t until after the fire that I recognized what sets CNA apart from other insurers. You have a
gem of a policy.”

Bill Sutter has stated the RMC Group LLC is proud to partner with CNA on this progressive
approach to dental claims. According to Bill, “We believe this is the only program of its kind
specifically designed to respond to dental policyholders and provide a full-service, one-stop
approach that brings value and professional service to both the insurer and the insured.”

“CNA has a gem of a policy.”
Dr. Barry Saltz, D.D.S., P.A. CNA’s insured, Dr. Saltz, sums it up this way, “Thank you for the wonderful service I am getting
from CNA. My goal is to leverage my dental organizational history and insights to help bring
more dentists to your company.”

CNA’s dental program is administered nationally by the Professional Protector Plan® for
Dentists®. By taking a team approach and listening to agents, partners and dentists, CNA and
the Professional Protector Plan® for Dentists acknowledged the need for a program to assist
insureds at a time of crisis. That’s when Todd Klingaman, Director of General Adjusters for
CNA’s Property Large Loss Organization, began work on the dental recovery program.
Dr. Saltz is one example of the positive results of the partnership between CNA and the
Professional Protector Plan® for Dentists.

Temporary Dental Facilities

Temporary dental facilities and services provided by CNA HealthPro and Professional Protector Plan® for dentists may help restore dental offices within 30 days following a disaster.

Every year, dental facilities experience natural disasters or manmade catastrophes that render them unable to provide services to patients. The Temporary Dental Services Program, provided through CNA HealthPro and the Professional Protection Plan® (PPP) for Dentists, assists dental offices in restoring and reopening for business within approximately 30 days following an incident.

Once an incident is reported, CNA begins the process of quickly restoring dental office operations. This process includes:

  •     Immediate search to confirm the location of a temporary facility;
  •     Modifications to the temporary location implemented on an expedited basis;
  •     Provisions for temporary usage of all dental equipment;
  •     Full-service dental facility operational within approximately 30 days of securing the lease; and
  •     Inventory of all damaged equipment and records, including an assessment and evaluation.


“In most cases, a disaster does not eliminate the patient’s need for dental attention or pre-arranged dental services. We are pleased to offer the Temporary Dental Services Program that minimizes the interruption of services for dentists and enables them to continue to put smiles on the faces of their clients,” said D. Todd Klingaman, Director – Large Loss Property, CNA.

About the Professional Protector Plan® for Dentists
Through their network of specialized agents, the PPP has been serving dentists nationwide since 1969. This comprehensive program was developed specifically for the dental practice by providing insurance protection through professional liability, general liability, employment practice liability, workers’ compensation, and property insurance products. Underwritten by CNA, rated “A” (excellent) by AM Best for financial stability, the PPP has proven to be a stable force in the dental professional liability marketplace. The plan is offered in all states. For more information about the PPP online.

About CNA
Serving businesses and professionals since 1897, CNA is the country’s seventh largest commercial insurance writer and the 13th largest property and casualty company. CNA’s insurance products include standard commercial lines, specialty lines, surety, marine and other property and casualty coverages. CNA’s services include risk management, information services, underwriting, risk control and claims administration. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products may not be available in all states. CNA is registered trademark of CNA Financial Corporation. For more information, please visit CNA online.