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Last Post 02/22/2011 1:38 PM by  Ggelatt
Citizens Face To Face
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Florida Boy
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05/18/2008 9:49 AM
Posted By R .D. Hood on 05/17/2008 8:06 PM
Thanks Marc, U beat me to it.

 

I stand corrected. A full report for $70. Sign me up.

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Florida Boy
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05/18/2008 9:53 AM
Posted By joseph lombardo jr. on 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........

I agree 100%

 

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Dimechimes
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05/19/2008 10:24 AM
I think I see what the confusion is in this topic on the  $70.00 or $700.00 fee.
 
We are dealing with 2 different RFP's (Request for Proposal Documents) and 2 different fee schedules - one with each of them.
 
Citizens bid out the RFP in 2007 (RFP 07-0003) which the agreement form found on page 21 of the below link says is for Catastrophe Claims Agreement for the period of June 1, 2007 through 5/31/2009 so that would include this hurricane season during 2008. All of those documents can be located here on their website on RFP 07-0003 which is 2nd to the bottom on this link to include the fee schedule and the fines for violations of their service handling standards. This is the RFP that we have seen the award list for the 45 vendors which has since been increased to 46 vendors although they never published the updated list with the 46th vendor ( we wrote about that with a link to the Citizens announcement on Bradley Stinson firm  in a link in one of the following paragraphs.
 
 
They then began bidding out for daily work for Daily claims (RFP for daily claims which occur from 7/1/2008-6/30/2011 and catastrophe claims from 6/1/2009 to 6/30/2011. This is the RFP that has been revised 3 times since the beginning of 2008.(RFP 08-0001 2/08 and RFP 08-0016 the current ones issued April 08 RFP 08-0016  which replaced RFP 08-0001)
 
Here is a blog addressing the 3 revisions which included the initial RFP in 2/08 and the 2 revisions in April/May 08:
 
 
 
Here are links to the first one that got cancelled in Feb 08 AFTER the vendors wishing consideration had submitted their RFP docs:
 

***They haven't zipped these docs yet so look for RFP 08-0001 to see the RFP and the cancellation notice (I think it was addendum 4). We wrote about this cancellation with more details here:

And a blog we wrote about the Feb 08 cancellation:

http://dimechimes.wordpress.com/200...ove-again/" target="_blank" rel="nofollow">http://dimechimes.wordpress.com/200...ove-again/

 
 
 
Here is the link to the current RFP 08-0016 which was initially posted 4/22/08 with a fee schedule  for the new dates in the 08 RFP then revised again on 4/28/08  and 5/9/08 to include revisions to the fee schedule and the Q & A document mentioned above that confirms they did intentionally put $70.00 versus $700.00 on the slab footprint only claims.
 
https://www.citizensfla.com/about/p...t_reqs.cfm" target="_blank" rel="nofollow">https://www.citizensfla.com/about/p...t_reqs.cfm
**Docs not yet zipped so just look for RFP 08-0016. Note they move documents when an RFP is closed to the Closed purchasing documents which you can access going to http://www.citizensfla.com/">www.citizensfla.com then clicking on purchasing the click on the tab for Closed Competitive Solicitations to find the RFP when it does move.
 
This new RFP included a Q & A in Addendum 2 dated 5/9/08  where the vendors had an opportunity to present questions to Citizens which they then published the answers to on May 9, 2008. In that Q and A info they published, one of the vendors specificially asked the question if there had been an error on the published fee of 70.00 on the total losses where they just wanted a footprint taken since the schedule for 2007/2008 cat work had said 700.00. Citizens answered this question in Q5 of Addendum 2 that an error had NOT been made and $70.00 was in fact the correct fee for the daily work beginning June 2008 daily claims and the cat work beginning June 2009. While they didn't use those dates, the Q &A applied to the new RFP questions so that would be the new time frame. Note they have not yet selected the firms for the new RFP. The list you've seen of 45 vendors (it is actually 46 now- see this blog if your not familiar with the 46th vendor info here) is the vendors awarded the work on the RFP 07-0003 for the 2007/2008 storm season.
 
 
 
 
Evans Claims, one of this years vendors, has the Face to Face requirement email from the interim Citizens Catastrophe Director posted on their website in a May 12, 2008 post here which explains their reason for requesting the face to face training and I've seen it uploaded as an attachment on some of the other vendors emails to their adjusters as well:
 
 
Here is a link to a blog we did on the new face to face training requirement:
 
 
What is interesting is that the Adjuster Resources Link at Citzens has not been updated as of this morning  on the new face to face training and still links to the online training although many of the vendor emails say the online training thousands did in 07 no longer counts for your certification: You might want to keep checking here for when they do finally get it updated
 
 
Here are links where you can find the current fee schedule for this season and the RFP document with the new fee schedule in Addendum A for the new RFP dates.
 
https://www.citizensfla.com/about/p...t_reqs.cfm" target="_blank" rel="nofollow">https://www.citizensfla.com/about/p...t_reqs.cfm
**Docs not yet zipped so look for RFP 08-0016
 
There are significant changes between the RFP for 2007/2008(cat only RFP 07-0003) and the new ones for July 2008- June 2011 for daily claims and the beginning June 2009 through May 2011 for catastrophe claims.Very interesting in the new RFP the fee schedule is based on the number of adjusters Citizens deploys not on the severity of the catastrophe like we usually see on fee schedules and they address this as well on the Q & A in the new RFP 5/9/08 published answers. I highly recommend anyone planning to work for any of the vendors be sure to read them. Some of the most significant include:
 
1 )Citizens comments in the new RFP Q & A on hold harmless agreements and who will be paying if suit is filed on a claim.  2) The other major issue I could see is their answer to the question posed by one of the vendors about what happens if Citizens runs out of funding to pay claims to the adjusting firm/adjuster fees and Citizens could not provide assurance as to what would happen to the adjuster fees.3) Anyone reading the FL papers is well aware of the controversy regarding Citizens freeze on rates which has now been extended and the concerns in the press that they are not adequately funded and capable of paying claims in the event of a major catastrophe. I'm very glad one of the vendors asked the question.4) The new and I think last year's RFP which applies to the 2008 Cat claims requires an adjuster not work claims for any other carrier while working Citizens claims. While I can understand that for cat claims where you may have enough work to provide a satisfactory income, I do not understand that requirement for those working daily claims (see RFP 08-0016 and the 08 Q &A for this question) where an independent may not receive enough assignments to provide an income that would justify such dedication to one carrier.5) Also be sure to read the info in the RFP 08-0016 about limited assignments where the inside adjusters will settle the claims with the homeowner. Does this seem strange to anyone else that the adjusters with the least experience (they only require 1 year experience for in office) will be handling settlement negotiations with insureds vs the field adjusters where more experience is required?
 
Here is just one example in a blog I did this year on the fiasco with the 300 Million Dollar claim reserve problem identified this year which I'm sure those working Citizens claims this year will hear about since claim reserves are in the list of job duties for independents-see RFP 08-0016 for that list
 
 
 
 
Here is also a link to the blog we did when the new RFP was released in April 2008:
 
 
And a link to the blog written when they cancelled the Feb 08 RFP with more details:
 
http://dimechimes.wordpress.com/200...ove-again/" target="_blank" rel="nofollow">http://dimechimes.wordpress.com/200...ove-again/
***This blog also addresses Citizens published and  planned reduction in use of independents so there may be less work in the years ahead with Citizens for independents although it's interesting to note they don't disclose this information in any of the RFP's but we found it through the Citizens Task force or Board of Governors meeting notes- the links are in the blog above
 
 
 
In my opinion, adjusters should be utmost concerned about the fines in this years RFP(07-0003 for cat  documents- some are up to $1,000 per violation for such perceived infractions as late reporting to the cat site and improper file handling. While the RFP says the adjusting firm will be fined, many of the independent contracts the past two years seem to be revised or updated to include passing fines on to adjusters though most are not specific about what those fines are so I'd be sure to have a thorough discussion with any adjusting firm you are planning to go out with on that issue. While RFP 08-0016 doesn't go into the great detail the 07 schedule did, it does have language incorporating the Claim manual which last year I believe included the fine info so I am guessing the fines will be whatever they are in the manual but they say in the new RFP that the manual will be given out to the new vendors once they are awarded so we don't know the answer to that question but you should get an answer to this from your vendor). I was hoping one of the vendors would have asked about that in the Q & A questions but it is not published with the Citizens answers if so..
 
While it may seem to some that these things are nothing to concern yourself with, let me assure you that is not what Chip Merlin,Attorney of the Merlin Law Group in Miami is posting on his blog here:
 
 
If you look at the Citizens Task Force on Claim Handling that is charged with oversight of the Citizens Claims, Mr Merlin in the June 07 presentation links made a presentation to them on the problems he saw with claims handling in the aftermath of the 4 in 04 and in 05. You'll see from his new comments his frustration in the results of the task force and his indication he thinks litigation in the aftermath of any new hurricanes will be much the same as the massive litigation our industry has experienced post Katrina (emphasis here mine- go back to Citizens comments on the RFP08-0016 answers about holding them harmless even if a Citizens manager overrides an adjusting firms decision on a claim)..Look at the link to presentations I've posted in this reply  to his presentation to the task force in June 2007 and a link to his May 08 blog about his predictions on litigation post any new storm and his expectations about litigation and also note his interesting comment expressing disatisfaction with the work of the Citizens Task Force. If you aren't familiar with Chip Merlin, he has offices in various locations in FL and has been proactive in litigation on claims in MS with a few offices over there as well .. I think we will see his name quite a bit should a  major storm hit FL as he has been very proactive following the claim problems and ongoing developments at Citizens.Here are a few links to some blogs you should read that are quite interesting on Citizens and his thoughts regarding repeat of litigation,etc:
 
 
 
 
 
Some folks above indicated a wish to be heard by Citizens. If you'll note in the new RFP- the vendors were strictly prohibited from contacting ANYONE at Citizens to ask questions other than the one designated person taking the questions and answers that were then answered on 5/9/08 with the threat in the RFP that they would be removed from consideration if they contacted anyone within Citizens other than the designated person and prior to the deadline.. While I can understand the need for a contact person for questions to avoid confusion between adjusting firm managers being given different answers, I cannot imagine such restrictions in such a significant business relationship where there is a deadline given to ask questions and such limitations and threats being placed on firms they are asking to handle their business. I'm hoping the vendors were given more opportunities to ask questions at their recent Train the Trainers seminar mentioned in the 5/12/08 email from Citizens that is published on the Evans link above.
 
There are links at the Citizens Task Force which is overseen by the Dept of Insurance with contact information for the task force:
 
 
Here's a link to a presentation on their website from an adjuster addressing the new FL umpire review that is going on. I had never thought about the fact some independents may be an independent in one state and a public adjuster in another state as this adjuster states in his presentation letter to Citizens. I'd be curious to know how independent adjusting firms would feel about using an adjuster who does both and can imagine how a carrier might feel about this:
 
**Scroll down to the one on Property Insurance Appraisal Umpire Legislation topic in the 2/26/08 presentation links and click on the link to the pdf from Catastrophe Specialist to see this pdf letter he sent in. This link also works to the pdf the Merlin group sent in last year addressing claim handling conerns in the links to the June 7, 2007 presentations on the same link above.
 
 I'm very curious why no where in the presentations by firms is there anything from independent adjusting firms- only from public adjuster groups and attorneys and others but no independent personnel. I can only guess this is because of course they cannot do anything so public for fear of losing an RFP award by upsetting the Citizens Claim Dept.  Also disappointing is the Citizens Claims Dept makes presentations to the Task Force but the latest information I can find on their meetings site is some meetings in Feb  26, 2008.....so where are they in reviewing all of the new RFP revisions and decisions that have gone on since?  Are they even aware of the continual changes Citizens is making to the RFP and requirements of Independent adjusting firms? The Board meeting notes also published on the Citizens site which provide much insight into decisions are continually behind by months so we can't get any clues there. I wrote the Citizens webmaster about that issue several months ago and the response I got was that they cannot publish the minutes to the Board Meetings until they have been approved which he assured me would be at their next meeting which was months ago and they are still FAR behind in updating them so we can get a glimpse into the decisions going on there although their policy is to publish board meeting notes. The notes they are publishing have really changed as well from actual meeting notes to bullets of topics to be discussed and often not much else and I'm curious why that has changed.
 
I did some additional research looking to see how you would go about contacting some of the task force members directly since you can't talk to anyone at Citizens and found email or website addresses for many of the board members .I'll locate that research and post it here if anyone wants that. Right now you can go to the task force link above and find 2 primary contacts and ask them to forward it to all Task Force Board members if you wish. I don't think we'll see any improvements until our concerns are addressed to the Task Force which hasn't happened yet or atleast there is nothing pubished on their presentations link.
 
Your best source is to talk to the vendors who are attending these meetings but I hope the above information atleast answers questions we can find the answers to from the Citizens published documents available to all of us on their website for viewing. I highly recommend adjusters stay up to date with the information being published on the Citizens website so you can consider ALL the facts directly from the horses mouth. We are not a Citizens vendor- just a concerned FL part-time resident with all of my family residing in the state  as well as a FL Independent adjuster who has been contacted by many adjusting firms as well and these constant changes give me GREAT concern about what is going to happen when my family, friends, and residents of FL experience a major catastrophe never mind the potential for problems for independent adjusters servicing their claims.

 

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R_Smith
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05/19/2008 1:02 PM
Deborah, your information is great.

The question that comes to mind to me is Citizens has stated they have over 6500 adjusters dedicated to them. Now the 46 vendors are required to produce the adjusters for the face to face meeting. Why have I been contacted by two of the 46 firms asking me to attend on their behalf? I have not committed to working insurance claims for anyone.

In 2004, Citizens required firms to provide names of adjusters dedicated to Citizens. We were required to provide name, address, telephone numbers, license information and social security numbers. Citizens vetted the lists from the different vendors to ensure we had the proper number of adjusters dedicated. I wonder if they are doing that now to determine how many adjusters are really dedicated.

R
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Ray Hall
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05/19/2008 2:46 PM

This Citizens ship is listing so bad from the leaks that the mooring lines are the only thing keeping it upright. I would not go aboard as it will capsize.

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Dimechimes
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05/19/2008 3:48 PM

Guess what folks? Citizens has uploaded a new Revised Addendum A dated 5/19/08 and on the $70.00 fee they show it now revised to $700.00 in spite of their Q & A answer that $70.00 was correct which they answered in their 5/9/08 Q and A. It is the last document today on the 08-0016 RFP showing revision to Addendum A revised 5/19/08. They also uploaded a new Q & A dated 5/19/08 yet the answers seem to be the same as in the 5/9/08 Q & A with the same answer to the 70 vs 700 issue saying it is 70.00. So we have two documents new today and they conflict with each other on the issue.

Mr Smith- good question on the adjusting firms/adjuster issues. Somewhere in all of these 08 RFP documents, there is a comment about adjusting firms not taking adjusters from other adjusting firms. Most adjusters I know have applied to multiple vendors post all of the 07 online training criteria. So who decides who belongs to which adjusting firm? I know most folks had to list an adjusting firm when they did the online training with their codes but does that hold you to that firm? I have no idea the answers to these questions but if Citizens were smart, they'd add a clarification on this information in one of their sure to be multiple more revisions.

Also- I'd make sure everyone reads the zip documents -especially Attachment J -on RFP 08-0016 for the info I mentioned in first post on the Indemnity clause on litigation and the comments in 4.3 on "no negotiation" on fee schedules. Make sure you also note that in 10.27 on Attachment J that they are going to charge the adjusting firm 15.00 per day for an adjuster  if they work in a Citizens office so that's about $450.00 per in office adjuster (does this apply to mgmt working in their offices too?) per month.. Before accepting an in office assignment, I'd make sure to check with the vendor to see if you are going to be charged back that fee based on the terms of your independent contract with them. Adjusters are also responsible for providing their own Xactimate(they didn't clarify which version) so together wouldn't you be paying well over 600 per month to work for them per month?

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Dimechimes
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05/19/2008 4:09 PM

I found the specific link in the initial Addendum A in the RFP Documents  that show zip docs pertaining to vendors and adjusters from other firms in the RFP 08-0016 documents on Attachment A in provision 5.6.5 which says:

5.6.5              SUPPLIER’S Management and Team Leaders are prohibited from Recruiting Adjusters From other Claims Services Suppliers.. Violations may result in suspension or termination of this agreement.
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R_Smith
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05/19/2008 4:22 PM
I wonder how many adjusters are licensed in Florida to handle property claims? Is is anywhere close to 6500?

In 2004, we were paid for 100 unique names by Citizens. We submitted over 250 to reach our goal. Even after training approximately 160 in a face to face seminar, we could only submit approximately 120 unique names. The adjusters attending the seminar were more than willing to sign a document stating they were dedicated to Citizens for the upcoming hurricane season.

Given all the problems identified with Citizens Insurance in Florida, it is amazing how other jurisdictions want to follow Citizen's lead. Louisiana is looking to Citizens operations and considering adopting their business model for dealing with catastrophes.

R
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Dimechimes
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05/19/2008 4:49 PM

Good question- here's an 04 article saying FL issued over 17,000 emergency licenses in the 4 in 04 but doesn't address the actual number of resident and non resident licenses (many inaccuracies in this article you'll note on daily rates,etc):

http://www.miamiherald.com/878/story/20837.html

Also, in one of the board meeting notes there is a report to the board of governors about how many of those 6500 submitted names were original entries for unique individuals that took their online training. If I recall it was about 4,500 but I'll do some research and find their exact statement.

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cowboy26995
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05/19/2008 4:52 PM

Deb you are a real treasure trove of info on the Citizens issue. My big question is why would anyone in their right mind consider working for them?. If we as intelligent beings left those hellbent on mind numbing bureaucracy to their own devices maybe at some point they would see the light. If a very small number of folks bothered with their redundant training, and if the vendors had the fortitude to tell them their methods were inane maybe the folks at Citizens would get the gist of the situation. Complacent vendors, newbies and Citizens what a recipe for disaster. It seems that several of the more seasoned vets on this site have seen the light and are refusing to work for this carrier we can only hope more see the light. The thoughts of working for fines, penalties and folks without a clue isn't real attractive. I hope things change before the poor folks in Florida realize that hurricanes aren't their only disaster waiting to happen.

Marc Dubois
Executive General Adjuster
M.G.D. Claim Services Inc.
"Your Commercial Claims Solution"
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katadj
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05/19/2008 5:04 PM
" Yea, though i walk through the valley of death, i shall fear no evil, only citizens"
"Anyone who has never made a mistake has never tried anything new... Albert Einstein"
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cowboy26995
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05/19/2008 5:05 PM

Everyone contemplating working for the mothership needs to read the following:

 

https://www.citizensfla.com/shared/...k_5_19.doc

Marc Dubois
Executive General Adjuster
M.G.D. Claim Services Inc.
"Your Commercial Claims Solution"
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katadj
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05/19/2008 6:29 PM
Marc,

Perhaps IF even the one and two year adjuster were to read through the document , even they would be hesitant to comply with the terms and conditions.
Just imagine 2000 newbies trying to "adjust,Examine and close" 25000 losses from a cat 4 or 5.

Does the word Impossible have any connotation? ,,,,,,,,,,,,,,,,,,,,,,..................................<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>
"Anyone who has never made a mistake has never tried anything new... Albert Einstein"
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cowboy26995
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05/19/2008 8:34 PM

Recieved an e mail from a vendor today stating a bonus of $1000.00 after you have successfuly handled 10 Citizens claims for them. Part of a deal to offset the cost of taking the course from them. Air miles and gift cards next?????

Marc Dubois
Executive General Adjuster
M.G.D. Claim Services Inc.
"Your Commercial Claims Solution"
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LENNY
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05/19/2008 9:28 PM

Marc,

You should have posted the name of that vendor. Base on their reputation for paying adjuster's as posted on CADO, I doubt anyone will ever receive the $1,000 let alone their fee. Does NADO ring a bell?

Lenny Wenrick

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Dimechimes
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05/20/2008 9:15 AM

Going back to the 5/9/08 Q & A where one of the vendors asked about fee bills and what happens if Citizens runs out of money, you'll find this 5/19/08 article from AM Best the agency who rates insurers interesting as it discusses Citizens of FL:


A.M. Best: Credit Woes May Cause Turbulence in Catastrophe Markets
May 19, 2008

  • The credit crunch in the U.S. financial markets that boiled over after the subprime mortgage meltdown may affect the ability of insurers and reinsurers that cover coastal areas to raise cash for claims if a major hurricane were to strike the United States this year, according to a special report released May 19 by A.M. Best.

Investors are showing a limited appetite for capital-market offerings designed to raise cash for claims payments, Best said. In addition, insurers' exposure in hurricane-prone states to properties foreclosed and abandoned as a result of the subprime mortgage crisis has come under review. More than 500,000 properties in coastal areas from Maine to Texas have been foreclosed on due to the subprime mortgage crisis. Florida alone has more than 100,000 properties currently subject to foreclosure.

"Unoccupied, unsecured properties may be at increased risk in a storm, and financial stress on homeowners may increase the temptation to commit fraud," according to the report, titled "Credit Crunch Clouds Outlook of Hurricane Insurers, Cat Funds."

The report says insurers may not realize the extent to which their books of business are exposed to foreclosed properties. It said agents "can act as a line of defense for insurers" in this situation. "An agent's mailing returned as undeliverable can be a warning sign that a policyholder is in financial trouble. News of a foreclosure, passed along to the homeowners insurer, can provide notice that the risk on a particular property just changed drastically."

States like Florida, Louisiana and Texas, which rely on state-backed wind and coastal area insurance pools, may be most at risk. As a result of tightening credit, Florida's largest insurer and state-run reinsurer, both of which depend on post-event bond offerings to cover any cash shortfall, may lack the funds to immediately pay all claims from a major storm, the report says.

A major hurricane has not struck Florida in two years, allowing private insurers to rebuild capital and surplus in that state after running up big losses in 2004 and 2005, and the Florida Hurricane Catastrophe Fund (FHCF) is looking for other ways boost liquidity and capacity. However, the report points out that "nsurers could incur credit risk for their reinsurance recoverables tied to the FHCF if the fund has trouble raising money, while claims payments for Citizens' policyholders could be delayed."

Best warned that state and federal funds may be tapped if hurricane losses should exceed the ability of state-backed insurers of last resort to pay claims. Meanwhile, in addition to companies, municipalities are suffering from limited access to cash at affordable rates.

Hurricane forecasters have indicated the 2008 hurricane season may be busier than usual, the report says.

Hurricane Katrina in 2005 holds the record for the highest insured losses from a hurricane in the U.S. at $44.9 billion. Hurricane Andrew in 1992 comes in second, with $25.6 billion (stated in 2008 dollars) and Hurricane Wilma in 2004 ranked third with $11.4 billion in insured losses.

Source: A.M. Best, http://www.ambest.com

http://www.insurancejournal.com/news/national/2008/05/19/90158.htm

 

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cowboy26995
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05/20/2008 10:23 AM

Would it not be great to work with the threat of penalties and then not even get paid for your work. Interesting article Deb.One needs to seriously consider who they will be working for in the event that this year actually lives up to the predictions. Stay tuned to this site which is of great benefit to the cat adjuster wanting to keep abreast of trends and news. This year especially keep an eye open for the vendor comments. It's gonna be interesting folks!!!!!!!!

Marc Dubois
Executive General Adjuster
M.G.D. Claim Services Inc.
"Your Commercial Claims Solution"
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Florida Boy
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05/20/2008 10:33 AM

Posted By R .D. Hood on 05/19/2008 6:29 PM
Marc,

Perhaps IF even the one and two year adjuster were to read through the document , even they would be hesitant to comply with the terms and conditions.
Just imagine 2000 newbies trying to "adjust,Examine and close" 25000 losses from a cat 4 or 5.

Does the word Impossible have any connotation? ,,,,,,,,,,,,,,,,,,,,,,..................................<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>

Or could read and fully comprehend it.....fools rush in. I wonder how many seasoned adjusters are still in the CAT business?

I am still going to make the short trek to the training on Thursday and will post when I return.

I still firmly believe that the State of Florida has no business being in the insurance business and the current mess is the result of the legislature mandating policy changes that drove carriers to forgo doing business here.

 

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katadj
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05/20/2008 10:43 AM
Good Luck Les,

Why would ANYONE , in the state of our economy, spend time, fuel, hotel, meal costs to be subjected to a day of disadvantageous and unappreciated candor? Unless of course it was in your backyard and you had intentions of working for possibly nothing.

Be very interested in how many show up, and how many had more than 3-5 years of experience, IF they ask that question, which is seriously doubtful, Bonne Chance, mon ami.
"Anyone who has never made a mistake has never tried anything new... Albert Einstein"
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JimGary
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05/20/2008 12:41 PM
Posted By R .D. Hood on 05/20/2008 10:43 AM
 
...... and how many had more than 3-5 years of experience,.......

 

That is a common requirement at the meetings I've been to. Almost as common as the number of new adjusters who are willing to claim to have 3-5 years experience when asked.

 

JWG

I know the voices aren't real, but sometimes they're right!
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