CADO Knowledge Base

06 November 2017

From fire to floods, recent natural disasters highlight the need for uniform claims adjustor licensing

"As the nation continues to recover from the damage caused by hurricanes, floods and fires from coast to coast, we are reminded yet again that unforeseen, life-changing disasters can strike at any time. After the initial chaos subsides, it’s only natural that those affected would want to move quickly to start rebuilding their lives.


For many, the first step is a call to the insurance company, who should be able to resolve claims promptly, offering timely financial assistance when it’s needed most. But unfortunately, a complicated patchwork of state laws governing claims adjusters provides exactly the opposite: an inefficient, time-consuming, and expensive process that fails to serve the needs of consumers in the wake of a disaster."

31 October 2017

Addendum to the NFIP Adjuster Claims Manual — Special Adjustment Issues: Fiberboard Sheathing/Blackboard

On October 13, 2017, the National Flood Insurance Program (NFIP) updated the NFIP Adjuster Claims Manual by adding an addendum providing additional guidance on special adjustment issues surrounding perimeter wall sheathing. The addendum expands upon and replaces existing guidance found at Paragraph P of Section VIII of the NFIP Adjuster Claims Manual.

19 September 2017

Special Adjuster Fee Schedule for Claims with a Date of Loss on or after August 24, 2017, through November 30, 2017

Hurricanes Harvey and Irma caused widespread flooding in Texas, Louisiana, the U.S. Virgin Islands, Puerto Rico, Florida, and the southeast United States. Due to the catastrophic impacts of these hurricanes and the increased demand for flood insurance adjusters, the Federal Emergency Management Agency (FEMA) is increasing the amount it will pay to adjust flood insurance claims.

The entire insurance industry is searching for qualified individuals to join the ranks of claims adjusters to handle losses from Harvey, Irma, and future events. FEMA recognizes the specialized knowledge required to properly adjust NFIP losses. Adjusters must know the differences between the Standard Flood Insurance Policy (SFIP) and private industry property insurance forms. They must know interpretations of coverage made by FEMA and the unique reporting requirements of the NFIP. Accordingly, FEMA maintains a list of adjusters authorized to handle NFIP losses.

14 August 2017
08 August 2017

CLAIM Act would allow for national independent adjuster licenses

  1. CLAIM Act would allow for national independent adjuster licenses  Repairer Driven News (press release) (blog)
  2. Full coverage
14 April 2017
Extended Range Forecast Of Atlantic Seasonal Hurricane Activity And Landfall Strike Probability For 2017

Extended Range Forecast Of Atlantic Seasonal Hurricane Activity And Landfall Strike Probability For 2017

June 1st Update

We have increased our forecast and now believe that 2017 will have approximately average activity. The odds of a significant El Niño in 2017 have diminished somewhat,
and portions of the tropical Atlantic have anomalously warmed over the past two months. While the tropical Atlantic is warmer than normal, the far North Atlantic remains colder than normal, potentially indicative of a negative phase of the Atlantic Multi-Decadal Oscillation. We anticipate a near-average probability for major hurricanes making landfall along the United States coastline and in the Caribbean. As is the case with all hurricane seasons, coastal residents are reminded that it only takes one hurricane making landfall to make it an active season for them. They should prepare the same for every season, regardless of how much activity is predicted. 

(as of June 1ST 2017)

14 April 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

21 March 2017
Texas Windstorm Insurance Association

Texas Windstorm Insurance Association

The Texas Windstorm Insurance Association (TWIA) was established by the Texas Legislature in 1971  in response to regional market conditions following Hurricane Celia in August 1970. Our purpose is to provide windstorm and hail insurance in the Texas seacoast. TWIA is governed by Chapter 2210 of the Insurance Code (Chapter 2210).

We are a residual insurer of last resort and are not a direct competitor in the voluntary insurance market. We provide coverage to residential and commercial properties in certain designated portions of the Texas seacoast territory. The designated catastrophe area is that portion of the seacoast territory where the Commissioner of Insurance has found that windstorm and hail insurance is not reasonably available.
09 December 2016
2017 NFIP Adjuster Claims Presentation

2017 NFIP Adjuster Claims Presentation

AUTHORIZATION RENEWAL
Adjusters seeking to renew authorization must attend an NFIP Adjuster Claims Presentation. Adjusters seeking to become authorized must attend an NFIP Presentation and apply for authorization with the NFIP Bureau and Statistical Agent, iService. NFIP standards and requirements for adjuster authorization may be found in the Adjuster Claims Manual at www.fema.gov/library/viewRecord.do?id=1584.
27 November 2016

Arizona Department of Insurance

WHO MUST BE LICENSED?

You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (ARS § 20-321):

19 April 2016
ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016

ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016

ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016
Forecast Parameter and 1981-2010
Issue Date 1 June 2016 - Updated 7/1

  • Information obtained through July 2016 indicates that the 2016 Atlantic hurricane
    season will have activity near the median 1981-2010 season. There remains considerable
    uncertainty with this forecast which we outline in the following paragraphs.
    We estimate that 2016 will have an additional 5 hurricanes (median is 6.5), 11
    named storms (median is 12.0), 50 named storm days (median is 60.1), 20 hurricane days
    (median is 21.3), 2 major (Category 3-4-5) hurricane (median is 2.0) and 4 major
    hurricane days (median is 3.9). The probability of U.S. major hurricane landfall is
    estimated to be about 95 percent of the long-period average. We expect Atlantic basin
    Accumulated Cyclone Energy (ACE) and Net Tropical Cyclone (NTC) activity in 2016
    to be approximately 90 percent of their long-term averages for the remainder of the
    season.

    (the above is from the Department of Atmospheric Science Colorado State University Forecast)
07 April 2016

Alabama Proof Of Citizenship Requirement of Licensing

For INITIAL Application: Effective December 15, 2015, ALL Individual Resident and Non-Resident Alabama applicants must submit proof of citizenship by clicking here before their license is issued. This will also apply to Amendments and Reinstatements.
09 March 2016
NFIP Summary of Coverage

NFIP Summary of Coverage

This document was prepared by the National Flood Insurance Program (NFIP) to help you
understand your flood insurance policy. It provides general information about deductibles, what is
and is not covered by flood insurance, and how items are valued at the time of loss.
This document is based on the Standard Flood Insurance Policy Dwelling Form, which is used to
insure one-to-four-family residential buildings and single-family dwelling units in a condominium
building. 
04 March 2016

CEA Condominium Policy

Information on the CEA Condominium Policy

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

09 February 2016

Insurance Jobs and Careers @ Zurich

Our people are our most important asset. Together, we foster the continued success of Zurich in North America through collaboration and support. The value of working at Zurich is being part of an organization that offers growth opportunities, community involvement and expert training.

The above from the Zurich Career page.

29 January 2016
New Guidelines for NFIP Adjusters

New Guidelines for NFIP Adjusters

A note about the use of the term “Authorized NFIP Adjuster” rather than “Certified NFIP Adjuster”: It is FEMA’s position that certification requires a more formal course of study and the successful passing of a series of examinations before certification is awarded, such is the case with Certified Public Accounts. Also, the FCN will now be referred to as the Flood Control Number.

13 January 2016

NFIP Training Available Online

The NFIP offers free online courses in basic and advanced flood insurance topics through the FEMA Emergency Management Institute. NFIP Training courses are free and open to anyone. Click on a link below to begin your self study course. 

 

(note: we first posted this in December of 2015, but it was deleted in error)

05 October 2015
Flood Related Resources and Information

Flood Related Resources and Information

The Cat Field Ops page is currently being setup for the current flooding event.

 

(photo from the CADO gallery)

23 September 2015

Jobs at Progressive Insurance - Claims

"Our claims representatives—whether they're in the field, at one of our service centers or on the phone—make good on our promise to get customers back on the road fast.

And whatever the role, each representative has a chance to cultivate a variety of skills."

20 September 2015

Opportunities with Eberl

"Claims Associates who work with us don’t just make a living, they build a career. We’re always seeking qualified Catastrophe Adjusters, Daily Claims Adjusters and Claims Associates. We have opportunities for field and in-office personnel to handle a variety of losses.

Employment opportunities are driven by a number of factors, including weather, client needs and industry trends. New opportunities are added often — be sure to check this page regularly for open positions."

KB Search

KB Latest Articles

6 November 2017

From fire to floods, recent natural disasters highlight the need for uniform claims adjustor licensing

Source: The Hill

"As the nation continues to recover from the damage caused by hurricanes, floods and fires from coast to coast, we are reminded yet again that unforeseen, life-changing disasters can strike at any...
31 October 2017

Addendum to the NFIP Adjuster Claims Manual — Special Adjustment Issues: Fiberboard Sheathing/Blackboard

WYO Bulletin w-17065

On October 13, 2017, the National Flood Insurance Program (NFIP) updated the NFIP Adjuster Claims Manual by adding an addendum providing additional guidance on special adjustment issues...
19 September 2017

Special Adjuster Fee Schedule for Claims with a Date of Loss on or after August 24, 2017, through November 30, 2017

Source: Bulletin W-17045

Hurricanes Harvey and Irma caused widespread flooding in Texas, Louisiana, the U.S. Virgin Islands, Puerto Rico, Florida, and the southeast United States. Due to the catastrophic impacts of these...
14 August 2017

Bipartisan CLAIM Act Would Eliminate Consumer Barriers to Insurance Claims

Bipartisan CLAIM Act Would Eliminate Consumer Barriers to Insurance Claims  Morning Consult Full coverage...
8 August 2017

CLAIM Act would allow for national independent adjuster licenses

CLAIM Act would allow for national independent adjuster licenses  Repairer Driven News (press release)...
Extended Range Forecast Of Atlantic Seasonal Hurricane Activity And Landfall Strike Probability For 2017 14 April 2017

Extended Range Forecast Of Atlantic Seasonal Hurricane Activity And Landfall Strike Probability For 2017

Updated June 1, 2017

June 1st Update We have increased our forecast and now believe that 2017 will have approximately average activity. The odds of a significant El Niño in 2017 have diminished somewhat, and...
14 April 2017

Insurance company deploys fleet of drones

Source: www.fox5ny.com

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...
Texas Windstorm Insurance Association 21 March 2017

Texas Windstorm Insurance Association

TWIA

The Texas Windstorm Insurance Association (TWIA) was established by the Texas Legislature in 1971  in response to regional market conditions following Hurricane Celia in August 1970. Our...
2017 NFIP Adjuster Claims Presentation 9 December 2016

2017 NFIP Adjuster Claims Presentation

AUTHORIZATION RENEWAL Adjusters seeking to renew authorization must attend an NFIP Adjuster Claims Presentation. Adjusters seeking to become authorized must attend an NFIP Presentation and apply...
27 November 2016

Arizona Department of Insurance

WHO MUST BE LICENSED? You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the...
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