Thursday, August 21, 2008
Virtual Claims Adjuster - 3
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Subject: Attention Xactimate Users
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Gretchen SimpsonUser is Offline

Fort Collins, Co
Member
Posts:3


03/26/2008 3:12 PM  

Hello to all of you hard working people I am a seasoned adjuster taking a hiatus to raise my beautiful children. I would like to provide a service to all of you out there staring at a "pile" of files. I am proficient in Xactimate and am working on setting up a system to be able to "write up " your files for you for a fee (TBD). I have 13 years experience traveling working CATS across the nation. My husband and I worked as a team on wind/hail, hurricane, large loss etc... we have worked for all big carriers. We have all certifications. We miss the life, but 3 little kids makes it hard to travel. If you are at all interested or know someone that could benefit please email me at Gretchrs@aol.com. I know how it feels to be inundated with files after a 12 hour workday I would love to be able to ease the stress. Email me and we can work out the details. Thank you


Claimhelper
Doug McbrideUser is Offline

Moore, OK
Member
Posts:23


03/26/2008 5:28 PM  
That is an admirable business goal, but wouldn't the time saved by not having to write the estimate be offset by the additional amount of time needed from the adjuster to write a scope sheet and label the photos clearly enough for another to write the estimate from a remote location? With my carrier's photo requirements (avg. of 40 per claim), it often takes more time to label the photos than to write the estimate, which is usually an anticlimactic 5 minutes or so if my macros are set right.
Gretchen SimpsonUser is Offline

Fort Collins, Co
Member
Posts:3


03/26/2008 6:05 PM  

There is definite truth to that It seems as if you have much experience under your belt, it usually takes many claims or storms to be able to simplify the claim writing process. I know a great many that have been put on a storm and with overcoming the "learning process" comes much stress and lack of sleep.  I am simply offering my experience to those who want to spend their time out in the field mastering the inspection process, instead of  sitting in a hotel or RV stressing over the claims they need to write up.


Claimhelper
Doug McbrideUser is Offline

Moore, OK
Member
Posts:23


03/26/2008 6:13 PM  

You have a point --- if you are a newer adjuster (or just new to xactimate) and running 10 hail assignments per day with a close rate of 5 per night, by the end of one week, you can be as much as 35 files behind (or worse).     If that goes on for a month, panic mode can set in. 

But hopefully, most storm managers won't do that to newer personnell, but i have seen it in the wake of the hurricanes ("here you go, here's 150 claims -- good luck" )

The individual storm managers might frown on this practice, but i guess it would not be much different from an adjuster having his/her wife or husband write their estimate after they have scoped the loss.

For me, the thing that takes the most time (besides photo labelling) is writing a detailed activity log   ----- but i do remember what its like to be new and taking 2 hours to write a relatively simple roof claim that now takes 15 minutes, including the diagram.

JIM SIMPSONUser is Offline

Member
Posts:1


03/27/2008 12:08 AM  
I know that during Katrina it sure helped to have someone writing for me so that I could inspect more. There is never a way to "farm out" the logs, obviously, or the picture posting but if you are not familiar with the ins and outs of Xactimate you will get behind quickly. These days it's about balancing quality of service with volume of claims. I think there are many out there that will recognize the value. Let me know your thoughts out there!!!
Ray HallUser is Offline
Adjuster
Houston, TX
Member
Posts:761


03/27/2008 1:16 AM  

I think the Simpsons are on to something that is a service that can earn them a good living. Most good digital camera have sound and the inspector could give the directions and what he was looking at and this could be worked out by email. People who examine files by E  usually expect about $100.00 per hour which is about 6.67 files per hour for vanilla files. Software ware is around to recognize speech and this could be used for scope notes and logs. Keep working on the fine tuning and YOU will have a good product and will be able to stay home abd raise your children properly. Good luck and I will be one of your test subjects. I will need someone like you two if a monster hits the Houston area.

I think the key is the cost per file will have be in the $100.00 per hour range and as discussed the log and photos will be the big item. The good recorders have room for lots of seperate files and the adjuster will have to make the notes as they come in  by having a ready source to find the correct file, unless the logs are transcribed each day into the correct file.... this is a good post lets keep brain storming.

Gretchen SimpsonUser is Offline

Fort Collins, Co
Member
Posts:3


03/27/2008 1:14 PM  
Thank you for the post Ray I will be working with some people to iron out alll the kinks. I know the photo labeling is a nightmare I would love to be able to help with that as well. I might try to do a per claim charge so the adjuster knows exactly what to expect. Good idea on the voice dictation if it worked out right the photos could be emailed with the dictation. the scope could be scanned and sent by an aircard through email out in the field. If it worked right the adjuster could go to his next inspection and expect the claim emailed back by the end of the day with labeled photos and a beautiful estimate The charge per claim would maybe be graduated based on size of loss and number of photos etc. I would try to put together a billing sheet so there were no surprises. Maybe even set up some sort of paypal account or something. Let me know your thoughts ! A lot of times if the scope is detailed I can decipher the photos!

Claimhelper
Ray HallUser is Offline
Adjuster
Houston, TX
Member
Posts:761


03/27/2008 6:08 PM  

I would hope some other adjusters would chirp up on this topic. Gretchin is headed in the right direction. The key will be a turn key operation for all the componants of the file. My $75.00 recorder has A,B.C.D. and about 18 recordings under each alpha. If you put 7 alpha,s under A, B and so forth you could put all your log on one recorder. When you got a call from MR.AAAB you would do the log note under A1 and MR. Gaas would be underD 1 and so forth. You would have to keep your cheat sheet near your phone and do this each time and when the file is closed the log can be retreived by the file number and the software would write the log as its trained to your voice. The same with the photos using a voice camera.

The condo and high rise building adjusters would be your best customers as you would be dealing with the same scopes most of the time. I can see an entire floor of a hotel with the same scope on building and contents.

Adjusters are very greedy (just look at the Vendors) and they will not split their income with you. But many are probably scuffling around as I am posting this to find a person in their home town for $100.00 per hour 10 hours per day. They will work out the kinks and then make this poor sole who is making a small fortune for them and the most money they have ever seen in a short time. But they will find out how long it takes to do the work and take the attitude of all good adjusters. "TO HELL WITH THE MULES KEEP LOADING THE WAGON" and fire the $100.00 per hour person and retrain one for $50.00 per hour and so forth. I would get at least $1,000 deposit on Pay Pal to show good intent. I would get paid daily until trust is established.

Now come on the rest of you guys its time to give back for your good fortune.... this will work.... just like FICUS TREE.

Larry HardinUser is Offline
Adjuster
Oklahoma City, OK
Member
Posts:315


03/27/2008 7:33 PM  
If I may..............

The scoping adjuster should provide lots and lots of photos. Many more than will be billed for. They can easily be sent via email if the scoping adjuster will "dumb down" his multi-focus, 47 quadzillion megapixel, strobe enhanced, lazer aimed, tripod mounted,led illuminated digital camera.

Larry D Hardin
Larry WrightUser is Offline

Grand Bay (Mobile) Alabama
Member
Posts:48


03/27/2008 7:39 PM  

No Larry, you may not use your old polaroid camera.


No one is absolutely worthless, at the very least you can serve as a bad example.
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