Barry Kingcreated the topic: Is the LM fee schedule the new norm>
3 weeks ago
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1 month ago
DougSpurlingcreated the topic: Adjuster's Life--don't do it for the money
Marcus Nickson asked the question New to the adjuster industry tips on how to secure that first deployment
Dale Strain replied to: RE: Xactimate 28 questions
2 months ago
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Chase Wagnercreated the topic: Xactimate 28 questions
AcceleratedAdjusterreplied to: RE: Staff Adjuster Looking to go Independent
Posted By Dimechimes on 10 Jun 2010 04:12 AM
Thankfully, I think some of the 3 day schooll issues will be history by next year and hopefully the requirements that that you have to take so many individual carrrier certification tests.
I'll have a complete blog up by the weekend up with more details but here is a link to suggested detailed reading on the new Property Technical Certification program in testing now through August through KMConDemand the online training arm of Crawford and Company. This is to go live in September now that minor questions are resolved on proctor issues and other things. Just take a look at the committee list with executives from major carriers on the committee as well as major players from large independent firms. I post this link with the permission of the head of KMConDemand since I now have approval to release the information:
www.kmcondemand.com/ptc This link has all the info on the current plans consisting of PTC 1, PTC 2, PTC 3 agendas.
http://www.kmcondemand.com/ptc/index.php?Page=dynamic&id=66 This link has the link to all committee members.
The material is outstanding and a far cry from some of the problems adjusters complain of at outside vendor schools. I am most hopeful the insurance carriers agree to this replacing all of the individual carrier certifications so we anxiously await the testing period results so this can go live.
My husband is a newly licensed adjuster so I got to watch while he did the classes when I had time for the regular series of online classes. They had 15 programs at that time and I think have now added 6 more. For 135.00, he was able to take 5 classes in WC, 5 in auto and 5 in property. All contained CE's.
I have been 100% sold on them since. I am also glad they are backed by Crawford who we all know has an outstanding reputation. Colm knows I'm probably his biggest fan and thrilled at what KMC has brought for such a reasonable cost to independents saving their travel costs. In addition, as a claims manager it brings me much comfort or safety net if you will to know they will be tested and the passing standards are high as well as proctored exams.
This should take us a long way in helping improve the public perception and carrier perception of independent adjusters. Can you also just imagine how great this will be for independents no longer having travel costs to certify for multiple vendors and do these online. I'm sure keeping my fingers crossed for the independents that this does succeed and hope you will as well.
Speaking of that- I hope you will share this blog post with other independents. We are trying to move mountains in getting BP to use more independent firms. Thanks so much to the claims managers and adjusters who have read it and written to let me know they have sent the link to politicians and news connections asking they get the word out that independents are the solution to clean up the BP Oil spill claims process:
Sorry so long but I couldn't resist since you were speaking to two such hot topics in claims- deployments and claims education!
Posted By Ray Hall on 21 Jun 2010 09:53 AM
Just re-read this post for the 2nd time. Now is the time to learn estimating programs any way you can. If you have never seen a closed file that must be sent to the vendor and then the carrier it can have from 6 to 10 pages printed on standard paper or PDF format by email. These are some of the requirements of the insurance s on almost ever claim assigned to an IA adjuster. The most basic is a line item estimate of the direct damage estimate to a building starting on the roof and working down. The first area of a wind claim is the roof, then the exterior. The exterior is the soffit, facia, gutters, siding, windows and doors. Then the interior of the house. Its always best to start with the entrance door room and then go around the house in a CW or CCW manner and list all the rooms WITH DAMAGE with the operation necessary to repair the storm damage from top to bottom. (Keep in mind some person is reading this file and you want it to flow with the estimate and photo,s submitted)
By this time your estimate will began to tell the picture of the damage and look something like this. AREAS DAMAGED 1. Roof, 2 Gutter, 3 Siding, 4 windows, 5 Doors, Interior 1. Entry Foyer, 2 Living Area, 3 Dining Room, Kitchen, Master Bedroom, Master Bath, Hallway, Hall Bath, Judys BR, Franks BR, Utility , Attached garage etc. ( IF some rooms are not damaged do not have a line item, but have the measurements ****)
Most all programs have a Statement of Loss this is a total recap of the adjustment such as. Total Replacement Cost $20,000.00
Less Depreciation 5,000.00
Actual Cash Value Loss $15,000.00
Less Wind Deductible 1,000.00
Check Requested $14,000.00
Print two 4x6 six digital photos to each page . Label them (do not be lazy-wormey- half assed) #1 Looking N
#2 Looking W elevation, #3 Looking S, rear elevation(falling treedamaged storm door)
#3. Long shoot looking E total loss of front and rear slopes(wide angel of both slopes) 4, Looking N Long shot of destroyed solar panel.
Then do the APS
Then do the ALE
Then do the contents UPP I can email some old files to review if you will estimate your own house and send to me in PDF. email@example.com
I have always been amazed when a large group of adjusters are in the same room like 200, if they checked them as the company rep. only about 10% would be kept. All these should be bye bye missing real teeth or dentures, dirty clothes, work boots, the oldest clothes they have, need a haircut, unkemp facial hair, bad breath, smell like you slept in the truck. You get the picture.