Dan Robles, Author at Insurance Thought Leadership




Dan Robles

Dan Robles

Daniel R. Robles, PE, MBA is the founder of The Ingenesist Project (TIP), whose objective is to research, develop and publish applications of blockchain technology related to the financial services and infrastructure engineering industries. Dan is the owner of Coengineers.com, a consulting engineering firm based in Washington State specializing in the technical needs of shared asset communities. He also serves on the City of Edmonds, WA Planning Board. Combined, he finds no shortage of inspiration for blockchain applications.

Mr. Robles recently served as the 2016 Chairman of the FinTech Task Force for the National Society of Professional Engineers (NSPE), and is currently a research fellow with the International P2P Foundation related to blockchain implementations for international economic development. Mr. Robles is noted speaker, moderator, and panelist to international conferences and symposia. He is published widely in industry blogs and newsletters such as www.Ingenesist.com, www.naic.org, www. Insurancethoughtleadership.com , www.coengineers.com, www.nspe.org, www.futureofmoney.com and several others. He holds professional engineering (PE) licenses in Washington and California, as well as a master’s degree in international business from Seattle University.

Recent Articles by Dan Robles

Premature Failure in CPVC Pipes

This paper identifies a series of events leading up to a new cause of plumbing failures in CPVC pipe. The story demonstrates how unbalanced market forces can exacerbate a problem if information is too centralized and cannot reach solution providers in time. Finally, we demonstrate how decentralized information may be superior to centralized information when confronting […]

The Problem Every Engineer Must Solve

What single problem must all engineers solve? Hint: The answer is so simple, you can’t even see it. The paradox of invisibility A firefighter may be worth a million dollars per hour when there is a fire and her or she courageously saves lives and salvages property. The value of the firefighter is derived from […]

Blockchain Consortia With Engineers

Anyone who was around in the early 1990s may remember that the mantra of modern globalization was that decentralized markets were good and centralized markets were bad. The math supporting the efficiencies of the comparative advantage economic model was, and still is, indisputable. Further back, the concept of laissez-faire has been the cornerstone of modern […]

How Will Blockchain Affect Insurance?

Ever since the dawn of civilization, societies have organized around the technology of their time. Likewise, people and corporations will reorganize around this new type of data and value exchange system known as blockchain technology. Blockchain technology represents a new set of both positive and negative risk opportunities that may not pool appropriately with the […]

Are Crypto-Currencies Money or Property?

Blockchains have a problem: They cannot exist in digital isolation; their value must be derived from the value of something else — something real. There will always come a time when something real must be represented by data on a blockchain, or when data on a blockchain must represent something real. The tools that we […]

The Mechanics of Blockchains

Blockchain technology is like a three-trick pony. It essentially combines three slightly clumsy computer tricks to mimic decisions that a human administrator routinely makes. The difference is that, if done correctly, the computer can perform some of these decisions with great speed, accuracy and scalability. The peril is that, if done incorrectly, the computer can […]

The Great Blockchain Dilemma

Many insurance companies have a deep sense they should be part of the blockchain movement, but they are not quite certain how to approach its implementation. Once you pull back the curtains, there appear to be two sets of mutually exclusive incentives underpinning the blockchain technology movement. One of them could be the greatest thing […]

When Is a Blockchain Useful?

There are times when a blockchain is the right solution for a problem, and there are times when it is not. It is important to understand the differences because it is tempting to hypothesize about silver bullets. We also need to understand where risk can be transferred to a machine, when a simpler cryptographic method […]

What Problem Does Blockchain Solve?

The main problem that blockchain solves results from the fact that computer databases simply cannot talk to each other without a layer of expensive fault-prone human administration or bureaucratic central authority controlling every node. Blockchain technology, on the other hand, is a single, decentralized database managed by software and shared by multiple users, without any […]

How Blockchain Will Reorganize Society

“Reification” describes how people reorganize around new technologies. The Iron Age, Industrial Revolution, Information Revolution, etc., provide abundant evidence of the reification of society. Blockchain technology will likely have a similar impact. The insurance industry is currently optimized for the existing collection of risk pools, data inputs and price signals. If people reorganize, so, too, […]

Can Blockchains Be Insured?

Are blockchains insurable? This question was posed as a topic for presentation by the Center of Insurance Policy and Research, a research arm of the National Association of Insurance Commissioners (CIPR/NAIC). The trigger appears to be that some insurance companies are being asked to insure the business operations of blockchain enterprises. This same question would […]

The Future of Money: Not What You Think (Part 2)

In 1801, Eli Whitney went before the US Congress with 10 working muskets. He proceeded to disassemble each of them, mix and scramble all the parts, then reassemble 10 working muskets. Prior to that day, most things were custommade by craftsmen using hand tools. Then, in a flash of geological time, the idea of interchangeable […]

The Future of Money: Not What You Think

Never underestimate the ability of the human species to adapt to changes in its environment. All humans are engineers. If there is too much friction in a system, they will fix it, or they will replace it. When banks add overdraft penalties, incur service fees, constrain capital, restrict mobility or compromise the public trust in […]

What Insurers Need to Know About Bitcoin

A bitcoin (lowercase b), as a currency, has several flaws that will continue to limit its ability to replace money, as we know it. There are millions of words published on the subject, so I’ll leave it to the reader to assess arguments on both sides. However, Bitcoin (upper case B) as a protocol for the transfer […]

The Most Valuable Document That Money Can Buy

The Reserve Funding Analysis is one of the most important documents that an insurance provider can have for a property it covers. A Reserve Funding Analysis is a formal evaluation of the physical condition of a property and the expected future expenses that will be needed to keep the property in a viable state of […]

How to Prevent Failure in Water Systems

There is absolutely nothing good about a failed water system for the insurer, the customer or the community. One of the most unfortunate things is that many failures are predictable and avoidable — but not by the plumbers, developers or contractors; the technical assurance of complex systems is the exclusive domain of the engineering discipline. […]

PEX Water Pipes: 6 Ways Insurers Must Manage Risks

Second to a building fire, water system failures are the most expensive perils in the construction insurer’s risk portfolio.  But there is little incentive for anyone to protect the insurer: After the engineering design for a plumbing system is done, the contractors are only liable for workmanship, and the manufacturer is only liable for materials. […]

The Value Game™: A New Class Of Business Methods For The Condominium Reconstruction Market

Part 1: Correcting a Distorted Insurance Market For many condominium associations, the maintenance, repair, and reconstruction industry has devolved into a minefield of distrust and dysfunction. Countless lawsuits have taken their toll on the industry to the point of near dysfunction where many contractors simply walk away from condominium projects. The worst form of “capitalism” […]

What The Insurance Industry Needs To Know About Epoxy Water Pipe Liner

Epoxy is a magnificent substance used in many important applications where strength, hardness, moisture protection and strong adhesion are a requirement. Epoxy coatings are used to protect industrial applications from factory floors to reinforcement bar embedded in concrete. When applied correctly to a strong surface, few coatings are as tough as epoxy. Recently, epoxy manufacturers […]

Addressing Condominium Water Failures Before They Happen

In the heyday of the real estate bubble, developers flipped tens of thousands of apartment structures into condominiums — with little regard for the condition of the potable water system. Many of these galvanized steel or early copper systems are rapidly approaching the end of their service life. Unseen, a small leak can cause thousands […]

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