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14 Apr 2017

Insurance company deploys fleet of drones

Allstate Insurance plans to use a fleet of drones to help assess property damage claims across four states during the spring storm season. A fleet of drones will be at the ready in Colorado, New Mexico, Oklahoma and Texas.  If the progress is successful, it will be considered for a wider rollout.

The multi-state launch is the company's largest use of drones to date and represents a major step forward in the use of aerial imagery for property damage assessment among insurers, according to Allstate.

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Author: CADO Admin
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Article rating: No rating

4 Mar 2016

CEA Condominium Policy

Information on the CEA Condominium Policy

On this page you can download a sample of the policy,

Author: Roy
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Article rating: No rating

6 Jul 2014

Cat Adjusting as a Profession (Is It For Me?)

Cat Adjusting as a Profession (Is It For Me?)
From the Article Archive 
Title: Cat Adjusting as a Profession (Is It For Me?)
First Posted: Friday, November 26, 2004
Author: Gary White

My son is now ready to go to college away from home and excluding approximately 21 months in an attempt to try something different in my life as a "financial planner", I have been adjusting, supervising or investigating claims for almost 27 years. By the way, I have worked my share of hail, wind, tornado and hurricane cats for other carriers so I know from whence I speak. Even during the time while I was trying to become a "financial planner", I supplemented my income with adjusting temp jobs and contract adjusting work.

Author: Roy
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Article rating: 4.0

12 Jun 2014

Flooding the Market with Useless Prospects: CAT Adjusters and Training

An opinion by Phillip Crimaldi 

"I’m fairly certain, at least from my own research, that a few things happened somewhere around the post-Katrina era.  First, a handful of hardworking independent adjusters made a bunch of money.  The adjusting companies who had the contracts for those claims made millions, and some of them made successful businesses that continue to provide claim services under catastrophe and structural loss circumstances.  The remaining folks either went belly up or decided to start selling a rather poorly designed training service.  This attracted every Tom, Dick, Harry (and Sally) who wanted to “Get Rich from Adjusting Claims!”.  Storm chasing contractors and adjusters came out of the wood-work after spending their savings, assuming they could also make a lot of money.  The percentage of catastrophe claims is way down and the story goes the market is now flooded with a bunch of folks who preach their ability to adjust claims by merely taking a software estimating class and passing Texas or southern license exams which really don’t encompass the business of adjusting.  Some are smart enough to suggest they would be willing to shadow for a claim or two, but most of those folks literally have palm trees on their resume heading, as if they’re already on retirement island!  The rest seem to be convinced they are “ready to go”, and all of them want to be “deployed” on some sort of “roster”, yesterday.  Who knows where these terms even surfaced. - See more at: http://independent-adjuster.com/flooding-the-market-cat-adjusters-training/1243/#sthash.K8QwERg6.dpuf 

Author: CADO Admin
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Article rating: 5.0

24 May 2013

Are you ready for the life as a Cat Adjuster or road warrior?

Are you ready for the life as a Cat Adjuster or road warrior?

The life of a road warrior can be hard, not only on the traveler but also on his or her family. Experienced business travelers explain how they MAINTAIN THE PERSONAL-PROFESSIONAL BALANCE...

Author: Roy
0 Comments
Article rating: 3.8

19 Apr 2010

Quick Tip - Xactimate 27, Training Book

 If you are currently working with Xactimate 27, then you may wish to get the Training Workbook.

Author: Roy
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Article rating: No rating

17 Apr 2010

House Fire--A simulated claim for discussion

House Fire--A simulated claim for discussion

 To kill some time in this lull period & spread some knowledge, here is the scenario (or scenarios) as you see fit to make it. I will lay out the limited info as follows, and let's see where it goes.

Heavy fire loss occurs in a single family dwelling. Cov is HO-3, no issues with eff dates. Insureds have just left home about 6:00 p.m., a couple hours before fire breaks out and is discovered. High winds fan the flames and each house on either side sustain heat/smoke damage before the fire is brought under control. Let's say both neighboring houses now have some melted vinyl siding, one sided 2 years ago and the other 12 years ago. The elderly neighbor next door initially beat on the insured's door trying to see if they were OK, and burned his hand. He then rushed home to get his wheelchair bound wife out of their house, but she spends a week in the hospital with smoke inhalation related complications.

The insureds are a young couple, both smokers, with a 6 year old son. They just moved in about 2 years ago, only work in the house since they came was replacing the kitchen flooring, and adding a center island with a new cooktop on it. These were professionally installed within the past 6 months.

Author: CADO Admin
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Article rating: No rating

1 Mar 2009

CEA Renters Policy

Subject: CEA Renters Policy
Description: California Earthquake Authority Renters Policy
Current Edition: BEQ-4B (01-2016 edition)

Excerpt;
This policy is issued by the California Earthquake Authority (CEA), a public instrumentality of the State of
California established and authorized by law to transact insurance in California as necessary to sell policies of basic residential earthquake insurance.
Author: CADO Admin
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Article rating: No rating

1 Mar 2009

CEA Homeowners Policy

Info from the CEA website

With a CEA homeowners earthquake insurance policy, you can choose the coverages and deductibles you need. We offer two policies for homeowners:


  1. Homeowne​rs Choice offers coverage for your house, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.
  2. Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.
     
Author: CADO Admin
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Article rating: No rating

25 Feb 2009

Policy: NFIP Residential Condominium Building Association Policy

Subject: Policy: NFIP Residential Condominium Building Association Policy
Description

NFIP Residential Condominium Building Association Policy

Quote From FEMA "The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings.

In participating NFIP Regular Program* communities only, provides building coverage and, if desired, coverage of commonly owned contents for residential condominium building with 75% or more of its total floor area in residential use.

*Regular Program - The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act.

**Emergency Program -The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act."

Related Filef144rcbap_0809
Author: CADO Admin
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Article rating: No rating

25 Feb 2009

Policy: General Property Form

Subject: Policy: General Property Form
Description

NFIP General Property Form

Quote from FEMA; 

 

 

The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the RCBAP.

In communities participating in the NFIP Regular Program* or Emergency Program** the General Property Policy provides building and/or contents coverage for these and similar “other residential” risks:

  • Hotel or motel with normal guest occupancy of 6 months or more;
  • Apartment building;
  • Residential cooperative building;
  • Dormitory;
  • Assisted-living facility.

And non-residential risks:

  • Shop, restaurant, or other business;
  • Mercantile building;
  • Grain bin, silo, or other farm building;
  • Agricultural or industrial processing facility;
  • Factory;
  • Warehouse;
  • Poolhouse, clubhouse, or other recreational building;
  • House of worship;
  • School;
  • Hotel or motel with normal guest occupancy of less than 6 months;
  • Licensed bed-and-breakfast inn;
  • Retail;
  • Nursing home;
  • Non-residential condominium;
  • Condominium building with less than 75% of its total floor area in residential use;
  • Detached garage;
  • Tool shed;
  • Stock, inventory, or other commercial contents.
Author: CADO Admin
0 Comments
Article rating: No rating

22 Feb 2009

Policy: NFIP Dwelling Form

Subject: Policy: NFIP Dwelling Form
Description

Quote from FEMA;

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the NFIP Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for:

  • Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
  • Two- to four- family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;
  • Dwelling unit in residential condominium building;
  • Residential townhouse/rowhouse
  • Manufactured mobile homes
Author: CADO Admin
0 Comments
Article rating: No rating

17 Sep 2008

IKE LOSSES MAY PUT A MAJOR STRAIN ON TWIA

State-run insurer of last resort bears much of coastal cost

By Mary Williams Walsh
© 2008 The New York Times,
Reproduced under license from
the Copyright Clearance Center

Hurricane Ike caused as much as $16 billion in property damage, by some estimates, but the state-led insurance pool that will ...

Author: Roy
0 Comments
Article rating: 4.0

12 Jul 2008

Quick Tip - Xactimate v25: Adjusting O&P Per Claim

In this quick tip we cover issues related to Overhead & Profit (O&P) that you may encounter in the field.  Some clients may request that you handle O&P in a different way then what your current default settings allow.  In those cases you may only wish to change the settings on a selected file instead of changing your system setup. 

Author: Roy
4 Comments
Article rating: No rating

4 Mar 2008

Comparative Performance of EPDM As Protection Against Hail Damage

By Ric Vitiello is president of Benchmark Services Inc.

"Among the most serious and challenging threats to the performance of any roofing system is hail damage. Failure of a roof membrane due to hailfall can result in flooding and damage to inventory and equipment. Protecting against hail damage is one of the ultimate tests of any roofing ...

Author: Roy
0 Comments
Article rating: 4.0

29 Feb 2008

Common Estimating Errors

By John Postava;  First posted in the forum.

"They say there have been more mistakes made by computers than Tequila and Hand Guns combined.  That being said, with the help of one of the top trainers at Vale National Training Center we published a white paper on what we feel are some of the top ...

Author: Roy
0 Comments
Article rating: 3.4

1 Jan 2008

Author: Roy
1 Comments
Article rating: No rating

23 Nov 2007

Author: Roy
2 Comments
Article rating: No rating

2 Oct 2007

Author: Roy
2 Comments
Article rating: No rating

8 Sep 2007

What are they saying about us

Recent articles published by Bloomberg a copy of which I've posted in the forums completely disparage the work we do. We are seen as mere puppets who foolishly obey our carrier and vendor masters with no forethought or ethics.
Author: Roy
3 Comments
Article rating: No rating

27 Aug 2007

Author: Roy
0 Comments
Article rating: No rating

27 Aug 2007

CADO March 2007 Update

Comments about the updates to the CADO site.
Author: Roy
1 Comments
Article rating: No rating

16 Aug 2007

Catadjusting and Crisis Intervention

Catadjusting and Crisis Intervention

This is an article I have considered writing for years, one that deals with some of the emotional/psychological elements of working with people who have experienced personal crisis as a result of a catastrophic event, especially with regard to what this means for effective claim settlement.

Author: Roy
1 Comments
Article rating: 4.4

7 Aug 2007

View From the Slough, Too - The Art and Science of Branch Assist

View From the Slough, Too - The Art and Science of Branch Assist
View From the Slough, Too
The Art and Science of Branch Assist
By Steve Ebner (Medulus@aol.com)
 
I originally wrote this article back in 2001, and hundred of people read it on CADO, but at some point the link to the article became bad. So, for years I have not even been able to access it. I thought the article was lost for good until I recently discovered it on an old backup data disk. Because the conditions in catadjusting in 2001 and 2007 are so similar, I thought it would be a good time to update and revise the article to make it more current and to repost it on CADO. I know there is a danger of sharing too many secrets about how to get by in this business, especially when so many thousands have been added to our ranks with the storms of 2004 and 2005. But it is mainly those with experience and knowledge that will be able to benefit from this information. And I have always been willing to help those who deserve to be helped.
 
Author: Medulus
4 Comments
Article rating: 4.9

8 Jun 2007

Using the Square Break tool to add roof extensions

Have you ever seen an estimate tree in Xactimate where the roof section is listed as Roof1, Roof2, Roof3 and so on? Well in most cases this occurs when the estimate writer uses the "roof icon" or the f key to add the extensions to the main roof diagram in Sketch, when a better option would be to use the "Square Break" tool to add extensions to the roof.
Author: Roy
7 Comments
Article rating: No rating

Popular Post

Cat Adjusting as a Profession (Is It For Me?)

Cat Adjusting as a Profession (Is It For Me?)

Article Archive

From the Article Archive  Title: Cat Adjusting as a Profession (Is It For Me?) First Posted: Friday, November 26, 2004 Author: Gary White My son is now ready to go to college away from home and excluding approximately 21 months in an attempt to try something different in my life as a "financial planner", I have been adjusting, supervising or investigating claims for...
Sunday, July 06, 2014/Author: Roy/Number of views (15081)/Comments (0)/
Tags: Adjusters

From the Archive: Adjuster Murdered in Tampa Bay!

First posted in the forum on 11/15/2004

This post comes from the forum that we had during the years 2004 -2006.  We lost the forum but not the data.  The  discussion below is related to the killing of an adjuster doing her job 10 years ago on this date,  

Thursday, November 13, 2014/Author: Roy/Number of views (11276)/Comments (0)/
Categories: NewsOn The Job
Tags:

Wind vs. Water – Adjusting Practice

Subject: Wind vs. Water – Adjusting Practice Description:  WYO Bulletin Excerpt: In previous bulletins, FEMA discussed wind and flood investigative tips and a logical approach in addressing claims that involve both perils. Attached for your review are previous bulletins that address adjusting practices: WYO Bulletins W-08008, dated February 25, 2008 “Wind/Water...
Tuesday, March 09, 2010/Author: CADO Admin/Number of views (1712)/Comments (0)/
Categories: On The Job
Tags:

Revised Fee Schedule Survey & Comparison

Subject: Revised Fee Schedule Survey & Comparison Description:   Original Post by the author. (Note: This is from a 2004 forum post so the information is dated and many of the vendors have revised or updated their information.  It is only provided for general information.)  Well I do believe that this project has come to an end, and at the right place. It is...
Sunday, April 18, 2010/Author: CADO Admin/Number of views (1171)/Comments (0)/
Categories: On The Job
Tags:

Works for Me

Subject: Works for Me Description:  Thread for ANYTHING in the world of adjusting that works to help get the job done- equipment, software, etc. In this thread adjusters share their thoughts on equipment that works for them. URL: http://www.catadjuster.org/forum/m_17755/tm.htm Source: 2006 Forum Post by RobertV
Thursday, April 22, 2010/Author: CADO Admin/Number of views (1136)/Comments (0)/
Categories: On The Job
Tags:

My Typical Daily Schedule

Subject: My Typical Daily Schedule
Description

 A goof discussion related to work schedules to give an example of what can be required. 


URL: http://www.catadjuster.org/forum2/topic.asp?TOPIC_ID=299
Source: Forum Archive Post by fivedaily
Sunday, April 18, 2010/Author: CADO Admin/Number of views (1123)/Comments (0)/
Categories: On The Job
Tags:

The Eight Deadliest Words and Phrases in Insurance

Subject: The Eight Deadliest Words and Phrases in Insurance Description:  Summary from an article by Gary Blake:   "By eliminating the following eight phrases, you can, in a single stroke, make your department's letters significantly better. Also, you will improve your company's image, settle claims more amiably, obtain information quicker, and cut thousands of wasted...
Friday, February 27, 2009/Author: CADO Admin/Number of views (1110)/Comments (0)/
Categories: On The Job
Tags:

Proper Claim File Techniques

Subject: Proper Claim File Techniques Description:  This thread is being initiated to allow adjusters to share helpful techniques which may assist newer less experienced adjusters in properly handling and closing claim files. It is also being set up to assist new and newer adjusters with a thread for asking questions relating to how to proper report file closings. ...
Saturday, April 17, 2010/Author: CADO Admin/Number of views (989)/Comments (0)/
Categories: On The Job
Tags:

Bad Faith Claims Handling-What Constitutes?

Subject: Bad Faith Claims Handling-What Constitutes? Description:   im has responded to Jerry's question with some great information useful to us all on bad faith claims. I'm a quasi "court watcher". It is a habit I picked up some 30 years ago while brown bagging my lunch as a new adjuster inside the warm confines of a carrier. As every insurer has in their claims library,...
Saturday, April 17, 2010/Author: CADO Admin/Number of views (690)/Comments (0)/
Categories: On The Job
Tags:

E&O Coverage

Subject: E&O Coverage Description:   I don't see anything regarding E & O insurance mentioned. As independent adjusters do folks carry this type of protection as do most Realtors? Thanks... URL: http://www.catadjuster.org/Community/CommunityCenter/tabid/66/aff/33/aft/9334/afv/topic/Default.aspx Source: Forum Past by 2roadrunners - 15 Replies
Sunday, April 18, 2010/Author: CADO Admin/Number of views (661)/Comments (0)/
Categories: On The Job
Tags: