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Alabama Proof Of Citizenship Requirement of Licensing

Source: Alabama Department of Insurance

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.

Alaska Independent Adjuster Licensing Information

Independent Adjuster
An independent adjuster represents the interests of the insurer.

You need an independent adjuster license to adjust claims on behalf of an insurer that is not your employer.

Reciprocal Nonresident License
You are required to hold an independent adjuster license in your home state to qualify for a reciprocal license.

If your home state does not offer an independent adjuster authority, you will need to pass the Alaska Adjuster exam, and Alaska will be your designated home state.

(the above is from the state's website.

Unlicensed Adjuster Single Loss or Catastrophe

Does Alaska have any special provisions that apply to adjusters who may need to only adjust
a single loss or adjust catastrophe losses?

Yes. A nonresident independent adjuster, who is not Alaska-licensed but who is licensed and in
good standing in his or her home state may act as an adjuster and adjust a single loss in this state
during a calendar year, or may act as an adjuster and adjust losses arising out of a catastrophe
(which is declared by the director) if, within 10 days after the start of the investigation or
adjustment, the nonresident adjuster advises the director in writing of the adjustment (AS
21.27.860(a)).

An unlicensed adjuster is required to comply with the Unfair Claims Trades Practices
Regulations. 


Alabama Independent Adjuster Requirements

Source: ALDOI

Definition

An "independent adjuster" is a person who, for compensation as an independent contractor or as an employee of an independent contractor, undertakes on behalf of an insurer to ascertain and determine the amount of any claim, loss, or damage payable under a contract of property, casualty, or workers' compensation insurance or to effect settlement of such claim, loss, or damage. Ala. Code § 27-9A-3.

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."


Texas Windstorm Insurance Association

TWIA

The Texas Windstorm Insurance Association (TWIA) was established by the Texas Legislature in 1971  in response to regional market conditions following Hurricane Celia in August 1970. Our purpose is to provide windstorm and hail insurance in the Texas seacoast. TWIA is governed by Chapter 2210 of the Insurance Code (Chapter 2210).

We are a residual insurer of last resort and are not a direct competitor in the voluntary insurance market. We provide coverage to residential and commercial properties in certain designated portions of the Texas seacoast territory. The designated catastrophe area is that portion of the seacoast territory where the Commissioner of Insurance has found that windstorm and hail insurance is not reasonably available.

Careers with The Littleton Group

Professionals considered for employment with The Littleton Group are those who are up for a challenge and exhibit exceptional performance.

The professionals we hire help us maintain our commitment to continuous client communications, client flexibility, aggressive and proactive claims handling, and unparalleled customer service.


From the Archive: Adjuster Murdered in Tampa Bay!

First posted in the forum on 11/15/2004

This post comes from the forum that we had during the years 2004 -2006.  We lost the forum but not the data.  The  discussion below is related to the killing of an adjuster doing her job 10 years ago on this date,  


ICAT Damage Estimator

Subject: ICAT Damage Estimator
Description
From the site:

ICAT developed this website to provide easy access to historical hurricane damage information. All information is open source and based upon publicly available data. The data has been normalized to reflect current inflation, wealth, and population from what existed at the time of the actual storm activity.

It is our expectation that this website will be a useful tool to media sources, local, state, and federal public officials, the scientific and academic community, the insurance and reinsurance industries, and to other interested individuals.

For more information about navigating and searching the data in this website, see the “How to Use This Site” section. For details about the open source data, see the FAQ section.

ICAT extends special thanks to Joel Gratz formerly of ICAT Holdings for his initiative and vision to create and launch the ICAT Damage Estimator, and to Dr. Roger Pielke Jr. of the University of Colorado for his scientific and academic leadership, and his drive to deliver important and relevant information to the broader community.


URL: http://www.icatdamageestimator.com/
Source: ICAT
Site Section: Storm Reports

RESUME WRITING | How to write a masterpiece of a resume

Subject: RESUME WRITING | How to write a masterpiece of a resume
Description

Comments from the site;

"Resume writing: How to write a resume that generates results. Free award-winning online guide to resume writing. Resume examples - resume format choices - samples of good writing. You can write a resume as well as a top-level professional writer."


URL: http://www.rockportinstitute.com/resumes.html

The Eight Deadliest Words and Phrases in Insurance

Subject: The Eight Deadliest Words and Phrases in Insurance
Description
Summary from an article by Gary Blake:
 
"By eliminating the following eight phrases, you can, in a single stroke, make your department's letters significantly better. Also, you will improve your company's image, settle claims more amiably, obtain information quicker, and cut thousands of wasted words. As I travel across the US presenting on-site writing seminars for insurance professionals, here are the eight phrases that I always either delete or find substitutes for as I review participantsâ writing samples: "

URL: http://www.writingworkshop.com/pandc.htm

Wind vs. Water – Adjusting Practice

Subject: Wind vs. Water – Adjusting Practice
Description

WYO Bulletin

Excerpt:

In previous bulletins, FEMA discussed wind and flood investigative tips and a logical approach in addressing claims that involve both perils. Attached for your review are previous bulletins that address adjusting practices: WYO Bulletins W-08008, dated February 25, 2008 “Wind/Water Investigative Tips”; and W-08070, dated September 25, 2008 “Flood Insurance Claims Guidance.”

The following will not ask adjusters to do much more than they currently do when approaching any flood or wind damaged building. There is no requirement for the flood adjuster to estimate the wind damage.

When adjusting wind/water losses the, adjuster should use established and proven investigative methods when documenting flood and wind damage to buildings and/or contents occurring during hurricane or storm events. “Wind/Water Investigative Tips” can be helpful.

The adjuster is asked to record the process they always use when approaching a wind/water claim. In addition to looking for signs of flood damage and/or a General Condition of Flood and documenting the exterior water line, the adjusters should note any exterior wind damage, such as missing shingles, turbine or fascia damage. The adjuster should also photograph this damage and mention what was observed in the narrative report.

Remember, the Standard Flood Insurance Policy (SFIP) Pays Only For Direct Physical Loss by or From Flood to Insured Property. Once inside the building, the adjuster should always document the flood water line. Damage below this line is typically flood damage (exceptions like wicking should be noted in the narrative report). Damage above the flood water line is typically wind damage, such as water-stained ceilings or water damage at broken windows or exterior doors. This damage should also be photographed and mentioned in the narrative report.   "

 


URL: http://bsa.nfipstat.com/wyobull/w-10017.pdf
Site Section: The NFIP Support Page

The Weather Channel Hurricane Central

Subject: The Weather Channel Hurricane Central
Description

Hurricane information from the Weather Channel


URL: http://www.weather.com/newscenter/hurricanecentral/
Site Section: Cane

The Weather Underground

Subject: The Weather Underground
Description

The Tropical page for the Weather Underground site.


URL: http://www.wunderground.com/tropical/
Site Section: Cane

NOAA Factsheet - Hurricanes and Oil Spill

Subject: NOAA Factsheet - Hurricanes and Oil Spill
Description
From the document;
 
 What will happen to a hurricane that runs through
this oil slick?
• Most hurricanes span an enormous area of the ocean (200-300 miles) — far wider than the current size of the spill.
• If the slick remains small in comparison to a typical hurricane’s general environment and size, the anticipated impact on the hurricane would be minimal.
• The oil is not expected to appreciably affect either the intensity or the track of a fully developed tropical storm or hurricane.
• The oil slick would have little effect on the storm surge or near-shore wave heights.
 
To read more you can download the pdf below. 

URL: http://www.noaa.gov/
Source: NOAA
Related FileNOAA_fact_sheet_on_hurricanes_and_oil_spills.572167
Site Section: Cane

The NHC

Subject: The NHC
Description

National Hurricane Center Home Page


URL: http://www.nhc.noaa.gov/
Site Section: Cane

StormPulse

Subject: StormPulse
Description

Hurricane Tracking site that uses custom software for the tracking map.


URL: http://www.stormpulse.com/
Site Section: Cane

NFIP FACTS AND STATISTICS

Subject: NFIP FACTS AND STATISTICS
Description: NFIP Facts and Statistics provided by  the  Insurance Information Institute
URL: http://www.iii.org/media/facts/statsbyissue/flood/

NCDC Storm Events

Subject: NCDC Storm Events
Description

Use this link to search the "NCDC Storm Event database to find various types of storms recorded in your county or use other selection criteria as desired. The database currently contains:

The Storm Events Database contains data from the following sources:

All Weather Events from 1993 - 1995, as entered into Storm Data. (Except 6/93 - 7/93, which is missing) (NO Latitude/Longitude)

All Weather Events from 1996 - Current, as entered into Storm Data. (Including Latitude/Longitude)"


URL: http://www.ncdc.noaa.gov/stormevents/
Source: NOAA

Storm Report Map

Subject: Storm Report Map
Description

From the site:

"Stormreportmap.com started in early 2005 just as the Google Map "hacks" were starting to become more mainstream. Initially, the site started out as a "can I do this" application and morphed into an operation that become useful to the general public, insurance adjusters, schools and ever the Department of Defense. Beginning in late 2006, the site was down due to code changes that Google made to the Maps API. Those changes, unfortuntely, broke the development work that I had put into the initial map "hack". In early 2008, the site was brought back online with the same using the same layout and design that was initially created. In June of 2008, the site was re-introduced along with a new layout, new map icons and greater features. In the future, the site will boast a fee-based premium area that will allow members the ability to expand the search capability for storm reports across multiple states, across multiple states or even the ability to export or print out storm reports."


URL: http://www.stormreportmap.com/index.php

NOAA Storm Surge Page

Subject: NOAA Storm Surge Page
Description: From the page;
Along the coast, storm surge is often the greatest threat to life and property from a hurricane. In the past, large death tolls have resulted from the rise of the ocean associated with many of the major hurricanes that have made landfall. Hurricane Katrina (2005) is a prime example of the damage and devastation that can be caused by surge. At least 1500 persons lost their lives during Katrina and many of those deaths occurred directly, or indirectly, as a result of storm surge.

 

Storm Surge vs. Storm Tide

Storm surge is an abnormal rise of water generated by a storm, over and above the predicted astronomical tides. Storm surge should not be confused with storm tide, which is defined as the water level rise due to the combination of storm surge and the astronomical tide. This rise in water level can cause extreme flooding in coastal areas particularly when storm surge coincides with normal high tide, resulting in storm tides reaching up to 20 feet or more in some cases.

URL: http://www.nhc.noaa.gov/ssurge/index.shtml
Source: NOAA
Site Section: Cane Page

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NFIP Claims Adjuster Presentation Webinar – April 2, 2024

NFIP Claims Adjuster Presentation Webinar – April 2, 2024

  Webinar Opens:  8:30 AM Central Time Start Time:  9:00 AM Central Time Lunch Break:  30 Minutes End Time:  3:30...
Read more
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NFIP Claims Adjuster Presentation Webinar – April 4, 2024

NFIP Claims Adjuster Presentation Webinar – April 4, 2024

  Webinar Opens:  8:30 AM Central Time Start Time:  9:00 AM Central Time Lunch Break:  30 Minutes End Time:  3:30...
Read more
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FAQ

Listed below are some links to other blog post and articles on other sites.

Dimechimes ClaimSmentor Adjuster Information Blog 
 Organization Chart for the Claims Handling Blame Game- A Humorous Graph -A Serious Look at Claim Bad Faith Issues
 On the page the above link takes you to you will find links to some of her other articles at the end of the above article.
  

WHAT MAKES A GREAT CAT ADJUSTER?
Article written by John Postava
On the Ryze Claim Solutions webite

You can find additional post from John and Dimechimes in the CADO forums, they have made many post over the years contributing to the community by sharing their knowledge and experiance.

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