For Seal, the root issue isn’t legislative – it’s operational. “I think the industry is falling short with delay, deny, defend,” he said. “We used to be in an era back in the ’60s, ’70s, into the ’80s, where adjusters – if at all possible – wanted to cover the claim. But now we don’t have that. They’re more like, ‘Let’s find a way to get out of it.’”