Posted By Brownie on 18 Jul 2011 06:09 PM
I am a Professional Home Inspector in Texas and I recently got my Insurance Adjuster License, I have taken Wind and Hail Damage class and I am signed up for Xactimate training later this month. I am needing some advice from experienced adjusters on what certifications might help me get work. I have recently signed up with Ebelrs Claim Service.
Brownie, understand that there is an industry within the adjusting industry that isdirected towards the newly licensed adjuster. There are certification classes for almost anything these days and can be overwhelming for the new adjuster to comprehend one certification to another in regards to importance.
This is only my opinion and others may differ:
Almost all of these certifications have their place in the industry, but that place is NOT with rookie adjusters. There are some certifications that ARE required to work claims with certain companies (IE..State Farm) but by and large a rookie adjuster will do fine without them. Understand that no matter how many certifications a rookie adjuster holds, they mean NOTHING and will not keep you on a storm IF you cannot take an XM8 estimate from start to finish multiple times a night.
Again this is only my opinion, I believe newly licensed adjusters need to concentrate on 2 things and one of them is free:
1) XM8, you should take as many XM8 courses that you can afford to get you to the point of you can do these estimates "in your sleep". The last place you wanna realize that you need more XM8 training is out in the field on a storm. XM8 issues is the #1 reason new adjusters either quit or are asked to leave a site. If you are a computer whiz and can learn things quickly then by all means purchase a few Beginner and intermediate XM8CD's (Less than 100.00$)If you need help take a class, you can do XM8 in a classroom or online(online is tough because you won't have access to the instructor's help if you get stumped on something.) They now have XM8 Webinar's which is the best of both worlds. Do what you have to do to master XM8
2) Many rookie adjusters love to talk about XM8, IA firms, Fee schedules, waiting on a hurricane or a hail storm. But rarely will you hear much about one of the most important aspects of knowledge essential to a newly licensed adjusters success: POLICY
There are many different types of policies out there from Commercial , Marine, Flood,HomeOwners, Dwelling, Auto. As a new adjuster you would be well served to delve into the inner workings of the HO-1,2,3,4 etc...policies and the different types of DP's Dwelling Policies. These 2 types of policies are the ones you will have frequent contact with. Now you don't need to memorize these policies, but you need to be adept at policy terms, definitions and exclusions/Covered perils. You need to know the difference between schedule A,B,C,D,E and so on and so forth. If you are a homeowner yourself , start by reading your own policy. You can access all the different types of policy at www.claimspages.com at no cost whatsoever. It should be noted there are many discussions within CADO and examples of different policies throughout the site in addition to forums for specific policy discussion.
You really need to understand the concept of what is and what is NOT covered because trust me when I say you do NOT want to recommend payment to replace a roof due to "deferred maintenance!"
Once you have some experience then by all means look into the different types of certifications available.
Good luck and may god bless you in your new endeavor,
"A good leader leads.....
..... but a great leader is followed !!"