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Last Post 02/22/2011 1:38 PM by  Ggelatt
Citizens Face To Face
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Author Messages
cowboy26995
Member
Member
Posts:154


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05/10/2008 9:54 AM

    Citizens of Florida is now insisting that their training be taken in a classroom setting rather than online. Now we are being bombarded by e mails from vendors wanting us to spend time and resources to get on the roster of a company that seems to have one of the worst fee schedules, retractable RFP's and other assorted administrative woes. I sure hope they hire that new Director of Cat Ops soon. Maybe someone who actually has run a major Cat or a "real" cat manager would be a good idea. No cats for two years and now let's make everyone who wants to work for us pay time and expenses just to work for our crappy fee. I know for one I won't be there. What about you folks?

    Marc Dubois
    Executive General Adjuster
    M.G.D. Claim Services Inc.
    "Your Commercial Claims Solution"
    Tom Toll
    Moderator & Life Member
    Senior Member
    Senior Member
    Posts:1865


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    05/10/2008 11:10 AM

    No sir, we will definately not work for Citizens and I feel strongly that many of my long time adjuster friends will not work for a beaucratic, authoritarian organzation like that. Low fees, no mileage, no this, no that, but we will fine you if you don't bend over. No, No, No. Is that clear enough Marc.

    Success is not final, failure is not fatal: it is the courage to continue that counts.
    katadj
    Founding Member
    Member
    Member
    Posts:256


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    05/10/2008 5:05 PM
    Well stated Marc.

    At the very least they need to hire someone from the "trenches" as opposed to a Wharton School MBA or another college grad who has never seen a loss, or dealt with the affected trauma the policy holders are now faced with, not to mention the death and destruction associated with storms of an "Andrew" or "Katrina"magnitude.

    All carriers have issues, problems and unfortunately decide to reinvent the wheel instead of looking into the prior occurances and see what has worked and what has not.

    They need someone who has "Been there & Done that" and lived to tell the story
    "Anyone who has never made a mistake has never tried anything new... Albert Einstein"
    okclarryd
    Veteran Member
    Veteran Member
    Posts:954


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    05/10/2008 7:20 PM
    I checked with my supervisor here at the 'parlor, and, alas, I won't be able to go.

    The celebration has already started
    Larry D Hardin
    stormcrow
    Member
    Member
    Posts:436


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    05/10/2008 9:05 PM
    Count me out!
    I want to die peacefully in my sleep like my grandfather, not screaming in terror like his passengers.
    wstj
    Member
    Member
    Posts:35


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    05/11/2008 10:24 AM
    Does anyone have a copy of the fee schedule? I didn't see it on the Citizen's website, though I probably missed it. I have also been flooded with email for the face to face training. I have not seen the fee schedule, but from what everyone else has written about it, I don't want to work for free, especially with fuel costs rising...every hour! Thanks
    Florida Boy
    Member
    Member
    Posts:57


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    05/11/2008 1:35 PM

    The large number of e-mails received about the Citizens training leads me to believe there is little interest being shown by adjusters. I am going to a seminar at the end of the month but it is one day and 2 hours from home. I would not travel any further or incur hotel expenses. Will I work for them? I don't know.

    MBoy
    Member
    Member
    Posts:57


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    05/16/2008 6:06 PM
    I would be interested in viewing the fee schedule before committing to anything with Citizens. I have heard quite alot about them. I also reviewed their website and did not find a copy of the schedule. The AYO Handbook (page 17) states there is a copy of the fee schedule in the handbook. Someone must have removed the schedule prior to posting the PDF.

    kds008
    Guest
    Guest
    Posts:25


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    05/16/2008 11:30 PM

    Perhaps if we wait long enough to register, the vendors will be offering to pay us to attend!    

    cowboy26995
    Member
    Member
    Posts:154


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    05/17/2008 12:46 PM
    Gross Claim Amount (GCA) means the lesser of the policy limits or the agreed cost to repair or replace before application of depreciation, deductible, or other limiting clauses. (Not to exceed policy limits without written request and approval)
                                                        
    GCA From
    GCA To
    Non- Catastrophe and Wind/Tropical Storm at Landfall
    Catastrophe-Category 1,2 & 3 at Landfall
    Catastrophe-Category 4 & 5 at Landfall
    $0.01
    $1,000.00
    $225.00
    $250.00
    $300.00
    $1,000.01
    $2,500.00
    $300.00
    $350.00
    $400.00
    $2,500.01
    $5,000.00
    $400.00
    $450.00
    $500.00
    $5,000.01
    $7,500.00
    $475.00
    $525.00
    $575.00
    $7,500.01
    $10,000.00
    $550.00
    $600.00
    $650.00
    $10,000.01
    $15,000.00
    $625.00
    $675.00
    $750.00
    $15,000.01
    $20,000.00
    $725.00
    $775.00
    $825.00
    $20,000.01
    $25,000.00
    $800.00
    $850.00
    $900.00
    $25,000.01
    $30,000.00
    $875.00
    $925.00
    $1,000.00
    $30,000.01
    $35,000.00
    $950.00
    $1,000.00
    $1,100.00
    $35,000.01
    $40,000.00
    $1,150.00
    $1,200.00
    $1,300.00
    $40,000.01
    $50,000.00
    $1,375.00
    $1,425.00
    $1,500.00
    $50,000.01
    $75,000.00
    $1,500.00
    $1,550.00
    $1,750.00
    $75,000.01
    $100,000.00
    $1,910.00
    $1,975.00
    3.0%
    $100,000.01
    $150,000.00
    $2,750.00
    $2,850.00
    2.8%
    $150,000.01
    $200,000.00
    $3,400.00
    $3,500.00
    2.6%
    $200,000.01
    $300,000.00
    $4,000.00
    $4,150.00
    2.4%
    $300,000.01
    and up
    1.35%
    1.75%
    2.2%
    Marc Dubois
    Executive General Adjuster
    M.G.D. Claim Services Inc.
    "Your Commercial Claims Solution"
    cowboy26995
    Member
    Member
    Posts:154


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    05/17/2008 12:51 PM

    The above is the fee schedule taken from the third amendment to the RFP dated 05/09. I like Kim's idea. Let's simply refuse to attend the face to face and see what happens. I've been invited to no fewer than 10 vendors classes. Funny some are free some are $39.95. Everyone should look at the requirements to work for these people. Deb of Claims Mentor has done a great job on tracking down all the info you should look at the site www.claimsmentor.com to get the lowdown on this carrier.

    Marc Dubois
    Executive General Adjuster
    M.G.D. Claim Services Inc.
    "Your Commercial Claims Solution"
    Florida Boy
    Member
    Member
    Posts:57


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    05/17/2008 7:09 PM

    I recall that a constructive total loss that consists of only a slab etc. remaining is a $700 fee bill regardless of policy limits.

    cowboy26995
    Member
    Member
    Posts:154


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    05/17/2008 7:29 PM
    8.7        Other Fee Payments
    Multiple Building Losses (not including outbuildings
     
    Fee Type
     Amount
    Inspection Fee - No Damage This fee is for policies with multiple buildings, wherein the adjuster must physically inspect building but there is no visible or covered damage (not in excess of the deductible). This fee would be in addition to the GCA for any damaged buildings.
    $150.00
    Inspection Fee – With Damage
     
    Refer to Fee Schedule
     
     
    No Claims with Inspection
    This fee applies when tan adjuster contacts, sets appointment and inspect loss. At the time insured wishes to withdraw claim. (The reporting requirements will be a narrative. Including diary activities and any photos or other supporting information).
                
     
     
    $200.00
    No Claims without Inspection
    This fee applies when the insured elects to voluntarily withdraw the claim after assignment to a SUPPLIER at some time prior to initial inspection of damages and before completing , the adjuster completes the inspection. (The reporting requirement will be q brief narrative including diary activities.
     
     
     
    $50.00
    Additional Damage requiring Inspection
    (not missed on original scope)
    This fee applies to losses that require an additional inspection to scope additional damage. This is not designed for additional inspection resulting from an adjuster’s failure to properly complete initial scope. An example of this properly applied would be when a customer has additional damage resulting from rains that occurred prior to getting roof repaired.
     
     
    $50.00
    Plus any changes in fee resulting from revised GCA
    Erroneous Assignments
    This is an assignment to the Adjuster by CITIZENS that was not intended for assignment
     
                        $60.00
    Residential Total Losses
    (Square Ft. estimate only when paying limits)
     
    $70.00
    Additional Fees (Up charge)
    Steep Roof Charge 7/12 or greater
    Rope and Harness
     
    $50.00
    $150.00
     
     
     
     
     Looks like $70.00 not $700.00 to me.
     
     
     
     
    Marc Dubois
    Executive General Adjuster
    M.G.D. Claim Services Inc.
    "Your Commercial Claims Solution"
    katadj
    Founding Member
    Member
    Member
    Posts:256


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    05/17/2008 8:06 PM
    Thanks Marc, U beat me to it.
    "Anyone who has never made a mistake has never tried anything new... Albert Einstein"
    katadj
    Founding Member
    Member
    Member
    Posts:256


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    05/17/2008 8:15 PM

    This appears under additional fee schedules. Another quandary to be explained , if there were a loss, with policy limit coverage of $100,001  then the fee bill would be $2,850. or 2.8%

    SO, HOW CAN THIS BE REDUCED TO $70.00 UNDER THE PUBLISHED FEE SCHEDULE. ( Bet a PA and Lawyer gets it right)

    Seems the more they qualify, quantify and extrapolate the more confusing and less desirable their employ becomes.

    "Anyone who has never made a mistake has never tried anything new... Albert Einstein"
    okclarryd
    Veteran Member
    Veteran Member
    Posts:954


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    05/17/2008 11:03 PM
    Gentlemen and Ladies,

    I do not plan to attend any events in Florida except maybe the parade at Disneyworld or perhaps the Gatornationals but.............

    If I were interested in working in Florida as an adjuster, I would not work for Citizens and would not attend any "face-to-face" seminars, orientations or other gatherings of personnel for the sole purpose of being "qualified" or "certified".

    The conditions of employment have deteriorated to the extent that it just isn't worth it. And, there's a couple of other companies that are walking the same path. The chances for failure are so prevalent that it just isn't worth eating Tums like popcorn or working 18 to 20 hours to do what we used to do in 12. (As if 7, 12 hour days aren't enough).

    I don't miss that part of it. I do miss the job.
    Larry D Hardin
    Tom Toll
    Moderator & Life Member
    Senior Member
    Senior Member
    Posts:1865


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    05/18/2008 7:08 AM

    Larry, I, for one, am with you. Too many changes, too many rules, too many reasons and opportunties to screw the adjuster.

    Success is not final, failure is not fatal: it is the courage to continue that counts.
    stormcrow
    Member
    Member
    Posts:436


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    05/18/2008 8:44 AM

    60% to 70% of $70, will that even cover the gas after the next hurricane bounces prices?

    I want to die peacefully in my sleep like my grandfather, not screaming in terror like his passengers.
    jlombardo
    Member
    Member
    Posts:145


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    05/18/2008 9:29 AM

    The correct amount is $700.00...not $70.00 for a total loss based on an RCV square foot valuation....,still rather low for all the requirements and exposure to penalties, etc.

    Citizens will be a serious problem for everyone if a major event occurs or worse yet if two moderate events occurr........

    StormSupport
    Gold Member
    Member
    Member
    Posts:203


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    05/18/2008 9:32 AM

    No Claims with Inspection

    This fee applies when tan adjuster contacts, sets appointment and inspect loss.

     

    Besides, the non-existant fee schedule, Who has time to get a TAN in order to inspect a loss for them?!!??!!  

    Maybe this is a new FL requirement?

     

     

    Do the right thing, ALWAYS
    ~Meg~
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