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JimF
USA
1014 Posts |
 Posted - 02/06/2003 : 11:16:40
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While everyone in this business obviously finds much they like and enjoy about adjusting (or else they would leave it right?), there must be one thing about adjusting that you find annonying, despicable, or downright frustrating.
What is the One Thing about adjusting you most despise and as a secondary consideration, is that likely to change? |
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KileAnderson
USA
875 Posts |
Posted - 02/06/2003 : 12:19:11
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| The only thing I can think of is the constant waiting and watching the weather channel and hoping that the next storm arives before your bank account runs out. |
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j6407
USA
14 Posts |
Posted - 02/06/2003 : 12:21:11
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| What I dislike ...How about storm managers that have never been in the trenches? They make decsions based on book knowledge and little or no experience. Drives me nuts. They make you change your estimate only to have to re-write it after the contractor argues with them and the homeowner calls in a complaint. But you never hear "you were right". Next in line is the large influx of people that have gotten into the business in the last few years.That piece of the finite pie is getting smaller and smaller every year. I don't begrudege them the opportunity to better themselves just their attitude that they can learn in two weeks what it has taken me years to learn. |
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Newt
USA
657 Posts |
Posted - 02/06/2003 : 13:34:27
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Juan, I know exactly how you feel, being a student my self I know what it takes to do any thing and do it right. People I know that started their training when I did were looking for jobs as soon as they got their license, some have gotten work. I don't know if that lasted or not.
I know others that have been at it a few years and still don't apply themselves as far as study.
Others are like I try to be and try learning something every day. I don't ever want to give up my study of a field I am in.
Many of the people that post on here are first rate because they either have answers or questions,
others are spectators.
I decided from the onset I wouldn't go till I was ready, I can't afford to do otherwise and be satisfied with my work. If I don't get self satisfaction, then I'll stay home. |
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ckleisch
USA
46 Posts |
Posted - 02/06/2003 : 14:25:10
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The one thing I disliked about adjusting was working in a situation of political adventure. To be given a claim, develope it and show a non-coverage situation where denial was in order. Supervisor agrees and a denial is being prepared. Agent called to advise of denial and he refuses to accept denial of a friends claim. Being good old boys with the office manager, claim was paid for agency reasons. That always jerked my chain. Main reason I went IA was to avoid that kind of scenario. Now I report situations and let the staff people sort it out LOL.
Second most frustrating thing is to handle a BI claim with a conveyor belt Attorny/client system with the same Doctors treating and not being able to catch them in the fraud. just once i wanted to be set loose with a video camera and catch them in the act of mowing those lawns and lifting those weights with their bad back injuries. |
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CCarr
Canada
1200 Posts |
Posted - 02/06/2003 : 14:34:50
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Bill, your 2nd point is shared and felt, but not to the extent as a 'most frustrating' thing.
Consider setting yourself 'loose', with a video camera to 'catch them in the act'.
There is a vendor sector who specialize in that pursuit, although costly to a carrier, study has shown it to be good value for the cost. |
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fivedaily
USA
258 Posts |
Posted - 02/06/2003 : 23:47:42
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THe thing I like lesat about working a cat is cleaning up after all of the independents have left the storm. While there are many fine IA's and their files rarely reopen, for those who are less then fine this is a nightmare. Incomplete files, scope notes in chicken scratch, expectations of the insured shattered, etc... and I have no way to get a hold of the person to see what might have been in their head when they wrote the estimate!
I will add, that I have had staff cat adjusters present with some of the same problems, but I can usually track them down by calling their manager if it gets to that point. Over all, I'd have to say that working with adjusters who don't take ownership of their claims really is my biggest pet peeve.
Jennifer
Jennifer |
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John McMennamy
USA
20 Posts |
Posted - 02/07/2003 : 08:23:59
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Jennifer I can understand your frustration. I have worked clean up and had to handle claims from slash and burn adjusters, both staff and IA. There were supervisors overseeing these claims that should have turned them back or sent these people home and reassigned their claims. As an IA I handle the claim according to the guide line set by the carrier and and policy.
CK, we are temperary employees of the carrier. It's hard someimes to make a good call and have it overturned due to friendship or not wanting any complaints. he representative of the carrier or the carrier has the right to overturn your opinion, it's their money. All we can do is follow the guidelines and document any varience of those guidelines to cover our south facing side.
One of my pet peaves is sending out new people when you have experienced loyal people setting at home. Every trade needs new people to fill ranks to replace people leaving that trade for one reason or another. If you use experienced people you normally do not have the problems that Jennifer refered to and you make a better product for the customer. This should give you a better reputation with that customer knowing your people did a good job and saticfied the insured as best one can. This does not mean we do not need properly trained new people, we do and always will. If send the experienced people first and the new people as fillers and trainees you will have a better product and better trained people.
I am not bashing new people, staff or any IA's. I have met some very good new adjusters. I have met some very knowledgable adjusters that have tought me and others to be better adjusters, both staff and IA's. I have met some adjusters that I can not figure out how they continue to be called to assignments, both staff and IA's. I have been a staff adjuster, a new adjuster with very little experience and an IA who continues his education for the industry which I have grown to love. Any adjuster who does not learn something new every day is not applying theirself.
Thanks Roy for a sight for adjusters to express themselves and learn from.
Just my thoughts and opinion on this subject.
Johnny Mac |
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Dadx9
USA
143 Posts |
Posted - 02/07/2003 : 11:31:38
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Probably that 16 year old girl who turned left in front of me and my adjustermobile. My pride and joy was my 1986 Toyota Corrolla headin' for 300,000 miles. I could pack my clothes, ladder, computer, 4 foot computer table and comfortable chair in that baby.
Although my right thumb was rearranged at a 90 degree angle, my adjustermobile....................died.
At least I was able to start driving my new adjustermobile....... 1974 Plymouth Satellite......... until my son totaled it.
Sorry, I've got to go.... my emotions are taking over. |
Don
"To be held in the heart of a friend is to be a king."
Bruce Cockburn |
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CCarr
Canada
1200 Posts |
Posted - 02/07/2003 : 20:46:45
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Well, when I look this over, many have encompassed the issues that I least like about adjusting. The top 5 are, 4 of which are presented by others;
5th - the ex gratia payment, used solely as a carrier marketing tool for the agents. (as per Bill)
4th - the manager - storm, vendor or staff - who was not appropriately weaned in the field. (as per Juan)
3rd - the inexperienced adjuster, being assigned files beyond their skill level. (as per Johnny Mac)
2nd - the adjuster who does not take ownership of their files. (as per Jennifer)
1st - what the root of the problem - "but my neighbour got it" - often is. Unfortunately more and more, more so in smaller regional storms, the claims handling results are being dictated from carrier non-claims management. I have seen it, heard it, and was asked to initiate it - it exists. Depending on carrier recent or current results, or penetration in the affected marketplace, the edict may 'come down' to "make everyone happy, we want to make some points out of this". If it is the carrier down the road from you, then your insured's are screaming, "but my neighbour got it". If it is your carrier, that action seems so distant from proper claims handling. How do you tell adjusters to give money away? How do you tell adjusters another time, "well we won't be doing it like that this time"? This misuse of claims funds for the "political intervention" of marketing purposes, is to me - frustrating, annoying, and down right despicable. |
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JimF
USA
1014 Posts |
Posted - 02/07/2003 : 21:13:38
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I'm really surprised no one has yet to mention the 60-40 adjuster/vendor pay splits as the one thing they least like about adjusting.
Any thoughts? |
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olderthendirt
USA
370 Posts |
Posted - 02/07/2003 : 21:30:13
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| I dislike having to deny claims. |
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Dadx9
USA
143 Posts |
Posted - 02/07/2003 : 22:46:57
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| You're suppose to deny claims? :-) |
Don
"To be held in the heart of a friend is to be a king."
Bruce Cockburn |
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The One Thing I Least Like About Adjusting
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