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STATE FARM - 6/15/2006 4:18:10 PM
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HAS ANYONE HAD ANY EXPERIENCE AT THE STATE FARM SATTELITE OFFICE IN DALLAS? HOW IS IT AND IS WOULD YOU DO IT AGAIN?
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RE: STATE FARM - 6/15/2006 4:29:11 PM
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persdawg
Posts: 13
Joined: 9/6/2005
Status: offline
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I'm here. Got here in April after N.O. It's not bad.
Definately be ready to work.
There are set hours, and things are very tightly monitored.
I'm glad I'm in now as it is definitely the future.
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RE: STATE FARM - 6/15/2006 6:00:50 PM
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catcrazy44
Posts: 1
Joined: 6/15/2006
Status: offline
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thank you for your feed back . anyone else?
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RE: STATE FARM - 6/15/2006 11:05:06 PM
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trader
Posts: 1203
Joined: 4/19/2004
Home base: Houston, TX
Status: offline
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What job do you do in the office?
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RE: STATE FARM - 6/16/2006 5:54:08 PM
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doppler
Posts: 79
Joined: 7/12/2005
Status: offline
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I'm here too. We work re-opens on the puter. Better than sitting and waiting to be called for a hail storm.
-Doppler
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RE: STATE FARM - 10/5/2006 1:37:40 PM
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gulfsun
Posts: 40
Joined: 9/13/2005
Home base: Fort Myers Florida
Status: offline
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EDIT
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RE: STATE FARM - 10/5/2006 2:50:02 PM
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trader
Posts: 1203
Joined: 4/19/2004
Home base: Houston, TX
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Now this sounds like the largest writer of Homeowners Coverage in the US. Having clean up adjusters work from the office and close files that have been inspected by other people in the field. I think the new people will always be able to inspect losses in the field, but they will not need an adjusters license. They may be called field inspectors with computer skills FICUS. Have you ever heard this word before ?
< Message edited by trader -- 10/5/2006 4:42:34 PM >
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RE: STATE FARM - 10/5/2006 4:11:50 PM
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newtonclaimstim
Posts: 155
Joined: 4/26/2004
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They did it Florida 2004 some others where doing it for Sun States, I think was the name worked in the same area but for Citizens. They had copies sent in of inventory and settled the property writing estimates from scope given by the insured over the phone and sending pictures.
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RE: STATE FARM - 10/5/2006 4:14:04 PM
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newtonclaimstim
Posts: 155
Joined: 4/26/2004
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Are you working out of the Preston road regional office, big place the cafeteria is not bad.
Good Luck !
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RE: STATE FARM - 10/5/2006 5:02:23 PM
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rhida
Posts: 56
Joined: 2/11/2006
Home base: Santa Rosa Beach, Florida
Status: offline
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I worked with Citizens in 2005 & 2006, doing much of the same - file review and scoping losses over the phone. They preferred to send a field tech for the larger losses and we scoped small to mid losses over the phone.
_____________________________
Whether you think you can or you can't, you are right.
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RE: STATE FARM - 10/5/2006 5:14:05 PM
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trader
Posts: 1203
Joined: 4/19/2004
Home base: Houston, TX
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If the DFW area was hailed out today the whole storm could be handled in a few weeks at about 10% of the adjusting expense for on a monster storm like 1996.
Most policyholders have been with SF for many years, therefore the roof diagram and the roof measurements are still in the warehouse, or in the puter. The satellite photos of the day before the storm and the day after the storm could be matched up with the address and diagrams and one hundred adjusters brought in to do the phone work.
I know it can be done, and don't your farm that it can't as the Farm will win that bet.
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RE: STATE FARM - 10/5/2006 7:58:30 PM
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margar
Posts: 241
Joined: 3/18/2006
Home base: Benton, KY
Status: offline
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O.K we get the point enough said ................. movin on please!
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RE: STATE FARM - 10/5/2006 8:34:03 PM
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gordon1
Posts: 89
Joined: 9/16/2004
Status: offline
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Trader, while I admire your entrepeneurial spirit & idea, I think maybe you should keep the idea on "hush-hush". Don't mean to be rude.If the word gets out to many more people, we may all be working phones & strapped to chairs. I don;t know about you, but that is not my idea of fun.It will likely lead to an even bigger decrease in our earnings, so maybe discretion should be the better part of valor in this case.
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RE: STATE FARM - 10/5/2006 9:10:34 PM
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racko
Posts: 241
Joined: 2/17/2006
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I don't know if anyone has disagreed in public with Trader before on his FICUS idea, as far as FICUS goes. But I do believe that every other pissing match regarding newbies--or lesser trained adjusters-- whatever you want to call them......would directly go toward the FICUS. The same issues would come up, the same problems, too many eyes & ears with the wrong things being heard and seen on the receiving end.
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RE: STATE FARM - 10/5/2006 9:27:36 PM
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margar
Posts: 241
Joined: 3/18/2006
Home base: Benton, KY
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While working cleanup a couple of months back in S. Florida . I met a few contractors who were very excited about the possibilities concerning this claim handling process.
I am not a contractor and I am not enthusiastic in no way shape or form of this idealogy!
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RE: STATE FARM - 10/5/2006 9:37:49 PM
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rhida
Posts: 56
Joined: 2/11/2006
Home base: Santa Rosa Beach, Florida
Status: offline
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Where there is change there is new opportunity. I have a friend who has taken on a change of setting up his own file review system which was easily and quickly obtained after much planning and is now still busy reviewing files and scoping losses with a crew of about 8 licensed adjusters assisting. He originated as a long term cat adjuster. This may not be the way of the future but it is working for now.
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RE: STATE FARM - 10/5/2006 9:45:55 PM
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gordon1
Posts: 89
Joined: 9/16/2004
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It is an inherent conflict of interest for contractors & insurers to use contractors to scope and/or adjust claims. It is highly unethical on both ends. I would be willing to bet my $2 that loss payouts will be much higher. I agree with Racko that similiar problems will arise.I can "see" it now. Mr Smith calls up the adjuster to discuss settlement. Adjuster says no damage which is covered to the roof. Mr. Smith says how can you deny the roof when you didn't even see it.Mr. Smith says that although the "desk" adjuster has photos, the field inspector didn't take adequate photos.Therefore, another inspection will have to be done.Also, how will field inspectors know what is covered & what isn't unless they are licensed & educated? How can you prepare an adequate scope when you don't know what to include?
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RE: STATE FARM - 10/5/2006 10:25:28 PM
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newtonclaimstim
Posts: 155
Joined: 4/26/2004
Status: offline
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I would guess that's why they are certified and a preffered contractor by the carrier, all the major carriers use some sort. Having friends who are staff that do quality control of the contractor program. Why else would the carrier stand behind the warrantee longer than the standard 1yr.
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RE: STATE FARM - 10/5/2006 10:34:56 PM
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gordon1
Posts: 89
Joined: 9/16/2004
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Newtown-Doesn't that encroach upon dtuties which require licensing as an adjuster?I would think it does and at best is a gray to murky area?
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RE: STATE FARM - 10/5/2006 10:53:21 PM
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margar
Posts: 241
Joined: 3/18/2006
Home base: Benton, KY
Status: offline
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The preferred contractors such as the contractors on the PSP program set forth by State Farm are usually well trained in repairs to a dwelling. Most of these restoration contractors are very proficient with such estimating programs such as Xactimate which the Big Red requires. Most of the estimators are fluent with the sketch feature and other aspects of the estimating programs that a lot of adjusters do not apply themselves to learn.
The reason they are so fluent with these estimating programs is simple. Their livelihood depends on it that is why so many of these estimates are loaded with fluff or ( soft cost) .
However these are contractor estimates and they are created with their best interest in mind. These people are not however adjusters they are estimators and most have no formal training in basic coverage issues.
If the future of this industry is to leave coverage or coverage denial issues in the hands of contractors. The beginning of the end may be closer then we all think.
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