CADO Knowledge Base

14 Aug 2019

Lighthouse Claims Service - Career Page

About Lighthouse Claims Service

"Lighthouse Claims Service is a full-service adjusting firm, fine-tuned to the needs of the individual client. Whether your company needs full Xactanalysis assignment capability or just a short form appraisal in any format, we customize our product to meet your needs. We specialize in property claims, either first or third party, personal lines or commercial lines. Our management team has over 40 years experience in the claims business."

The above is from their site.

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24 May 2019

Insurance Adjuster Act

SB 240, as amended, Dodd. Insurance Adjuster Act.

Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department’s powers and duties. Existing law, the Insurance Adjuster Act, sets forth various requirements with respect to operation as an insurance adjuster in this state and prohibits a person from engaging in a business regulated by the act, or acting or assuming to act as, or representing themselves to be, an insurance adjuster unless the person is licensed under the act. Existing law also prohibits a person from falsely representing that the person is employed by a licensee. Existing law exempts a person from the requirements of the Insurance Adjuster Act if the person is employed exclusively and regularly by one employer, as specified, with which the person has an employer-employee relationship. If the commissioner declares an emergency situation, existing law authorizes a nonlicensed insurance adjuster to adjust claims if certain requirements are met, including that the nonlicensed insurance adjuster registers with the commissioner via a written letter naming the nonlicensed adjuster, identifying adjuster licenses held in other jurisdictions, and stating when the claims adjusting activity began in the emergency situation. Existing law requires an insurer to provide an insured with a written status report if the insurer assigns a 3rd or subsequent adjuster to be primarily responsible for a claim within a 6-month period.

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11 Dec 2018

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

....

In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than
newer construction to ensure that moisture hasn’t seeped into the walls that will eventually result in mold and interior wall rot. If adjusters do not look for moisture build-up trapped inside the wall, then this damage could be missed, causing mold and rot to proliferate and resulting in bigger problems for homeowners in the future.

...

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18 Oct 2018

State Farm® to Conduct Drone Damage Assessment Flights Following Hurricane Michael

It was less than one month ago when Hurricane Florence struck North and South Carolina. State Farm was the first and only insurance company to receive an FAA waiver allowing Claims pilots to operate drones beyond visual line of sight and over people for damage assessment. Drone flights were coordinated with the FAA and Mid-Atlantic Aviation Partnership (MAAP) at Virginia Tech as part of the Integration Pilot Program for large-scale damage assessment in Virginia and South Carolina.
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26 Aug 2018

Hawaii Flood Policy Statistics as of 06/30/2018


 County Name   Policies In-Force
 HAWAII COUNTY    4,559
 HONOLULU COUNTY    38,457
 KAUAI COUNTY    5,236
 MAUI COUNTY      12,159
 Total    60,411
     

 

 

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8 Feb 2018

Study: State insurance licensing reciprocity benefits everyone

A new study has found that the current system of licensing regulations for independent claims adjusters is causing more harm than help for the industry.

The study, entitled “Breaking Down Barriers” by Pacific Research Institute, found that the average claims adjuster holds between 10 and 12 different state licenses. This can set them back as much as $1,000 each. The study pointed out that these “costly, burdensome state requirements” make it more difficult for adjusters to operate across states, while driving up costs for consumers and limiting the opportunities for new adjusters.

At present, 34 states require independent adjusters to hold a license, the Association of Claims Professionals (ACP) reported.

Source: insurancebusinessmag.com 

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6 Nov 2017

From fire to floods, recent natural disasters highlight the need for uniform claims adjustor licensing

"As the nation continues to recover from the damage caused by hurricanes, floods and fires from coast to coast, we are reminded yet again that unforeseen, life-changing disasters can strike at any time. After the initial chaos subsides, it’s only natural that those affected would want to move quickly to start rebuilding their lives.


For many, the first step is a call to the insurance company, who should be able to resolve claims promptly, offering timely financial assistance when it’s needed most. But unfortunately, a complicated patchwork of state laws governing claims adjusters provides exactly the opposite: an inefficient, time-consuming, and expensive process that fails to serve the needs of consumers in the wake of a disaster."

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19 Sep 2017

Special Adjuster Fee Schedule for Claims with a Date of Loss on or after August 24, 2017, through November 30, 2017

Hurricanes Harvey and Irma caused widespread flooding in Texas, Louisiana, the U.S. Virgin Islands, Puerto Rico, Florida, and the southeast United States. Due to the catastrophic impacts of these hurricanes and the increased demand for flood insurance adjusters, the Federal Emergency Management Agency (FEMA) is increasing the amount it will pay to adjust flood insurance claims.

The entire insurance industry is searching for qualified individuals to join the ranks of claims adjusters to handle losses from Harvey, Irma, and future events. FEMA recognizes the specialized knowledge required to properly adjust NFIP losses. Adjusters must know the differences between the Standard Flood Insurance Policy (SFIP) and private industry property insurance forms. They must know interpretations of coverage made by FEMA and the unique reporting requirements of the NFIP. Accordingly, FEMA maintains a list of adjusters authorized to handle NFIP losses.

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14 Aug 2017

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8 Aug 2017

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14 Apr 2017

Extended Range Forecast Of Atlantic Seasonal Hurricane Activity And Landfall Strike Probability For 2017

Extended Range Forecast Of Atlantic Seasonal Hurricane Activity And Landfall Strike Probability For 2017

June 1st Update

We have increased our forecast and now believe that 2017 will have approximately average activity. The odds of a significant El Niño in 2017 have diminished somewhat,
and portions of the tropical Atlantic have anomalously warmed over the past two months. While the tropical Atlantic is warmer than normal, the far North Atlantic remains colder than normal, potentially indicative of a negative phase of the Atlantic Multi-Decadal Oscillation. We anticipate a near-average probability for major hurricanes making landfall along the United States coastline and in the Caribbean. As is the case with all hurricane seasons, coastal residents are reminded that it only takes one hurricane making landfall to make it an active season for them. They should prepare the same for every season, regardless of how much activity is predicted. 

(as of June 1ST 2017)

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14 Apr 2017

Insurance company deploys fleet of drones

Allstate Insurance plans to use a fleet of drones to help assess property damage claims across four states during the spring storm season. A fleet of drones will be at the ready in Colorado, New Mexico, Oklahoma and Texas.  If the progress is successful, it will be considered for a wider rollout.

The multi-state launch is the company's largest use of drones to date and represents a major step forward in the use of aerial imagery for property damage assessment among insurers, according to Allstate.

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27 Nov 2016

Arizona Department of Insurance

WHO MUST BE LICENSED?

You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (ARS § 20-321):

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19 Apr 2016

ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016

ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016

ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016
Forecast Parameter and 1981-2010
Issue Date 1 June 2016 - Updated 7/1

  • Information obtained through July 2016 indicates that the 2016 Atlantic hurricane
    season will have activity near the median 1981-2010 season. There remains considerable
    uncertainty with this forecast which we outline in the following paragraphs.
    We estimate that 2016 will have an additional 5 hurricanes (median is 6.5), 11
    named storms (median is 12.0), 50 named storm days (median is 60.1), 20 hurricane days
    (median is 21.3), 2 major (Category 3-4-5) hurricane (median is 2.0) and 4 major
    hurricane days (median is 3.9). The probability of U.S. major hurricane landfall is
    estimated to be about 95 percent of the long-period average. We expect Atlantic basin
    Accumulated Cyclone Energy (ACE) and Net Tropical Cyclone (NTC) activity in 2016
    to be approximately 90 percent of their long-term averages for the remainder of the
    season.

    (the above is from the Department of Atmospheric Science Colorado State University Forecast)
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7 Apr 2016

Alabama Proof Of Citizenship Requirement of Licensing

For INITIAL Application: Effective December 15, 2015, ALL Individual Resident and Non-Resident Alabama applicants must submit proof of citizenship by clicking here before their license is issued. This will also apply to Amendments and Reinstatements.
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9 Feb 2016

Insurance Jobs and Careers @ Zurich

Our people are our most important asset. Together, we foster the continued success of Zurich in North America through collaboration and support. The value of working at Zurich is being part of an organization that offers growth opportunities, community involvement and expert training.

The above from the Zurich Career page.

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29 Jan 2016

New Guidelines for NFIP Adjusters

New Guidelines for NFIP Adjusters

A note about the use of the term “Authorized NFIP Adjuster” rather than “Certified NFIP Adjuster”: It is FEMA’s position that certification requires a more formal course of study and the successful passing of a series of examinations before certification is awarded, such is the case with Certified Public Accounts. Also, the FCN will now be referred to as the Flood Control Number.

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23 Sep 2015

Jobs at Progressive Insurance - Claims

"Our claims representatives—whether they're in the field, at one of our service centers or on the phone—make good on our promise to get customers back on the road fast.

And whatever the role, each representative has a chance to cultivate a variety of skills."

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20 Sep 2015

Opportunities with Eberl

"Claims Associates who work with us don’t just make a living, they build a career. We’re always seeking qualified Catastrophe Adjusters, Daily Claims Adjusters and Claims Associates. We have opportunities for field and in-office personnel to handle a variety of losses.

Employment opportunities are driven by a number of factors, including weather, client needs and industry trends. New opportunities are added often — be sure to check this page regularly for open positions."

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20 Sep 2015

ICA, Inc. Employment Page

"The unpredictable nature of catastrophe claims adjusting makes staffing a challenging prospect. Labor requirements fluctuate with windstorm, flood and seismic activity, creating the necessity for an “at-will” or “as needed” adjuster work force, rather than one based on a regular, full-time schedule. Extensive travel and lengthy stays away from home are often required.

Even with that caveat, ICA is continuously searching for quality outside property adjusters and commercial adjusters. We pride ourselves on our Quality Service to our customers and their policy holders. Qualifications should include specific insurance claims adjusting experience in your field of preference and adjuster licensing in your state of residence (if required). Individuals who have a background in a closely related field, such as automobile body repair or home construction, may also be considered for claims adjusting positions. Other requirements for claims adjusting positions include outstanding organizational skills and exceptional verbal and written communication skills. Computer literacy and excellent customer service skills are necessary."

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