Virtual Claims Adjuster

16 Sep 2019

Puerto Rico Cat or Daily Claims

 

Curious if you folks know what firms work Puerto Rico on a regular bases or actively looking for adjusters in PR. I have searched but can olny come up with Crawford, Renfroe and Littleton as far as state based firms. 

Did anyone here work PR for Maria? What were your experiences? What was the $0 estimate fee schedule and what carrier was it for?

I've been trying to land a gig in PR for 2 years to no avail. Any advise, comments except folks putting me down for asking are much appreciated. Thanks!

Author: CADO Admin
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30 Apr 2019

The Attorney tells me to bring a gun! Uh...WHAT?

So I am in Florida cleaning up insurance claims after Hurricane Irma and I call the attorney representing a homeowner to schedule the inspection. The very first words to me are "do you own a gun"? I was caught off guard. Is this a trick question? We don't bring weapons on inspections! I asked why and he responds, there is a 700 lb. bear that lives at the property. Well my usual insurance related questions are out the window as the topic is now "Bear".

Having grown up in Florida I thought to myself that sounds a little big for a Florida bear. I call my boss and tell her the story and asked if I can bring a gun to the appointment and she says I have to run it by the Insurance Company. Well I caught them off guard too as they said Uh...What? I tell them the story and said that I am allowed to bring whatever security detail I needed.

Well, cool! I set up the security and put in a call to Florida Fish and Wildlife as the last thing I want to do is shoot a bear while working. I tell them what is going on and they confirm that there are indeed bears that big in the area. They agree to be on standby as well.

The day arrives and we show up and there is a vehicle parked right where the attorney said the bear would be. A guy is standing with his back to the brush just a few feet from the bears supposed bed. I said are you the attorney? He replied no, he sent me instead. I say is the bear gone? He laughs and says what bear? We get out with my security detail holding assault rifles and he stops laughing.

I said to the gentleman, are you the attorney's brother in-law or something? Is he trying to get rid of you? He asks are you serious, there is a bear? Well fortunately, they bear was out making rounds and we were able to do the inspection without a hitch. There would be no bear today which I have to tell you is actually the preferred method of doing Insurance Claim Adjusting! I grab a drone selfie of myself and the security detail and everyone leaves.

The next day I'm at my next appointment and the lady opens her door and a monkey is standing by her. I'm thinking to myself no one will every believe this week. I pointed down and said you have a monkey. She says, don't worry he won't come out. Right on cue, he runs out and grabs my leg and runs back in behind her. She said, he has never done that. After inspecting the exterior, I go inside to finish the balance of the inspection. I see the little guy and motion for him to come closer and he jumps on my back. She repeats, he has never done that before. You must be good with animals.

After I finish, I text my boss..."you know that saying to get the monkey off your back? Well today I had a monkey on my back!" She texts me right back "at least it wasn't a bear!"

Original Article post - click here

Author: CADO Admin
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26 Feb 2019

The advantage of recruiting non-insurance workers as claims professionals

For independent adjusters, the need to replace retiring workers is becoming more urgent.

“A number of our front-line adjusters are very senior, very talented and experienced,” said Paul Féron senior vice president for Ontario and Manitoba at ClaimsPro LP. “In the next 5 to 10 years, a significant number of them will be retiring and deserve to retire. We need to be implementing proper succession planning and mentoring programs.”

Source of the above excerpt: canadianunderwriter.ca

Author: CADO Admin
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27 Dec 2018

PowerClaim XML 24f - 2018 FEMA FLOOD FORMS

The latest release of  PowerClaim XML 24f contains the updated 2018 FEMA Flood forms.

 

Source: PowerClaim website.

Author: CADO Admin
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27 Dec 2018

Simsol’s Latest Build Release with the New NFIP Forms is Now Available

Build Release 8.1.13 is now available for Simsol’s Property Estimating Software. The most significant improvements are the multi-page functionality and the new NFIP Forms for the Preliminary and Final Reports. The National Flood Insurance Program’s updated flood claim forms for adjusters were updated to improve readability to make it easier for policyholders to understand.

Source: Simsol website

Author: CADO Admin
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12 Oct 2018

Hurricane Michael, FL, GA, SC, AL.

Does anyone know of any adjusting firms or insurance companies looking for adjusters following Hurricane Michael in Florida, Georgia, Alabama, South Carolina?

I have a Florida license and can secure a license in any reciprocal state quickly.

Any leads or info would be appreciated. 

Thanks

 

Author: CADO Admin
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24 Jun 2018

Change of Profession? (experienced large loss and cat adjuster)

I appreciate if you'd let me pick your brains for a moment here.

I've got about a decade's of heavy cat adjuster experience (working in house for one of the major carriers) and about 5+ solid years of large loss experience also. All of this has been in residential construction. I have a 4 year degree (BBA) that I haven't ever really applied. 

The pay is good, but the travel is still a bit too much 60%+ despite no longer doing CAT which was about 90%+ of travel at times. I loved CAT, but with our growing family it was time to end my CAT days. 
I'm prepared to relocate my family to wherever has better jobs available as well as decent school districts, so that flexibility is there at the moment. The desire to relocate to an area with better school districts and more things to do is actually a motivator at the moment as we live in a smaller town right now. My current employer does not have anything available for me that I would be interested in... and I'm thinking changing careers would probably have to happen at this time if ever.

I'd need to make over $90k/year. I've done some research on a few things such as restoration and construction sales, but talking to other adjusters has always helped more than any google searches I've ever done on my own.

There is a lot of experience here and I'm completely open to any and all recommendations. Thoughts? Suggestions? 

Author: CADO Admin
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10 Jun 2018

NAFTA TN1 permits

With the likely hood of NAFTA being cancelled there is a question as these permits were introduced as part of NAFTA .

Lately a lot of US adjusters have been working north and I assume they all got TN1 permits. As always a few Canuks work south, especially when it a busy year.

 

Will we be able to cross the border to work in the future?

 



Author: CADO Admin
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10 Apr 2018

WriteLoss-Xactimate writing company

Has anyone heard of or used www.writeloss.com for writing Xactimate reports? How was your experience with them? Did they really have 24-48 hour turn around on your reports as advertised? Were the reports they wrote accurate with no mistakes? Has anyone heard of other companies who offer a similar service? Any info is much appreciated. 

Author: CADO Admin
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6 Apr 2018

Annual Adjusters Training, Anyone going?

Is anyone attending or have heard of this Annual Adjusters Training going on this month in the Tampa and Orlando areas, being hosted by Winkler-Treger and Associates? Here's a link to the registration page:

https://www.strat-cats.com/adjuster-conference-registration.html

Is this a legitimate training or simply a marketing gimmick? 

Author: CADO Admin
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5 Apr 2018

Florida Adjusters Study Guide/Manual

Has anyone used the Florida Adjusters Study Guide to prepare for the state exam? What's your opinion of the textbook? Was the textbook helpful and full of relevant info that's included in the exam, or not so much? Does anyone have a used copy for sale?
Author: CADO Admin
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14 Nov 2017

Adjuster Health Insurance

Does anyone know of any companies offering health insurance to independent adjusters as a group?   I came across one adjusterbenefits.com and am thinking about signing up but wanted to see if there are any other options out there.  Some people in one of the adjusting groups I am in on facebook put it together.  I currently have a grandfathered policy through Blue Cross but my wife and kids have Humana and they are losing their coverage at the end of the year.  Any thoughts / opinions are appreciated. 

Thanks,

Kevin Ingram 

Author: CADO Admin
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1 Nov 2017

THE NEW CAT ADJ PAYROLL DEAL!!

THE NEW DEAL! I have had several Cat companies approach me during these last storms with bogus price lists.
One company wanted to dispatch me with Ins Co "A" and pay me off a price list from Ins Co "B"! When I questioned hem about this, I got no response. Another Cat Co decided that they would pay $100 for an inspection & scope only, the pay someone else another $100 for the estimate, and bill the Ins Co the full $700++ fee! - GREED is running rampant among some of the Cat Cos. We leave our families, and risk our lives, and we deserve the lion's share of the fees! Do YOU Agree?

Author: CADO Admin
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21 Sep 2017

E&O Coverage Excluding Named Storms

For the past year, I have maintained Liability and E&O coverage with Acceptance Indemnity Insurance Company.  The policy is marketed through AMIS, a surplus lines broker in CA.  The coverage meets the requirements of my customers and provides a reasonably priced package policy.   Unfortunately, those seeking similar coverage for CAT deployment situations may need to look elsewhere.

Just prior to my renewal, I was advised that, in addition to the normal documents, I would have to sign an exclusion acknowledgement eliminating coverage for "any and all" operations involving named storms by the National Weather Service.    I'm wondering:  1) has anyone else has encountered this, and 2) what other options are available right now that would allow for involvement in CAT work?  

Author: CADO Admin
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23 Jul 2017

What would make your claims experience better?

I work for a third party steep and high ladder assist company. My job is to make sure my guys out in the field are happy and enjoying work. I see a lot of negativity surrounding work as a claims adjuster. I want to know what you would like to see in the world of claims. 

What would make your experience as an adjuster more positive? 

What would you want your company's to provide you? Technology, benefits, etc.

What annoys you the most when working with third parties or claims in general?

 

Thanks for your time.

 

Author: CADO Admin
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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.

read more

Author: CADO Admin
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16 Mar 2017

TN Permits and working under NAFTA

Starting to hear stories, Canadian Nurses refused TN permit.

This is certainly a concern for Canuk adjusters wanting to work south of the border in the USA. Will they be refused entry, the agents certainly have the power to refuse anyone. And if movement southward is blocked, will Canada block US adjusters?

In the last couple if years many US adjusters have worked in the great white north. Most under a TN permit.

Something to watch and would love to hear from any Canuks who cross or try to cross the border.
Author: CADO Admin
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28 Feb 2017

Stucco question

Hello again everyone,

I hate having to ask this, but I will be the first to admit I am very unexperienced with stucco finishes, especially seeing them here in CA without any wall sheathing on the interior side.  Wind driven rain caused water to enter this attached garage which has in turn caused the felt backing of the stucco finish as well as the interior wood paneling to have staining. My question is this:  is the damage on the stucco felt layer something that needs to be replaced or is it a "cosmetic" issue?  Thanks again as always for chiming in!

Author: CADO Admin
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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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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: 3.3

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
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Article rating: 3.9

28 Nov 2012

Premier Adjusting Services

Has anyone ever heard of or worked for Premier Adjusting Services?
Author: CADO Admin
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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: 4.0

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

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Friday, May 24, 2013/Author: Roy/Number of views (39616)/Comments (0)/
Tags: Adjusters
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 (25015)/Comments (0)/
Tags: Adjusters

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.
Saturday, September 08, 2007/Author: Roy/Number of views (14844)/Comments (0)/
Categories: CADO Blog
Tags: Adjusters

The advantage of recruiting non-insurance workers as claims professionals

Source: canadianunderwriter.ca

For independent adjusters, the need to replace retiring workers is becoming more urgent. “A number of our front-line adjusters are very senior, very talented and experienced,” said Paul Féron senior vice president for Ontario and Manitoba at ClaimsPro LP. “In the next 5 to 10 years, a significant number of them will be retiring and deserve to retire. We need to be...
Tuesday, February 26, 2019/Author: CADO Admin/Number of views (0)/Comments (0)/
Categories: NewsCat Adjusting
Tags: Adjusters