RE: Working as a PA
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RE: Working as a PA - 5/10/2006 8:38:04 PM
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sunshine2777
Posts: 22
Joined: 3/21/2005
Status: offline
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All I can give is my perspective/opinion Rookie. I would give it alot more thought and time. Especially if you are looking at moving to south Florida. Personally, I think you should work as an adjuster a few more years, find out more about both sides of the business and then give it consideration. If you jump now to being a PA (this soon), there is more of a liklihood that you may regret your decision when you have other opportunities in the future.
I worked as a staff adjuster as well as an IA in south Florida. If that is the area you are looking at, know its a different animal down there in Miami. Others may disagree with me, but that is a hard area to work in. I personally disagree with the idea of PA's. I think property claims should be pretty cut and dried. Unlike a liability/casualty claim, there is an ideal certain amount that is owed the insured that will restore him to where he was prior to the event. A PA is either padding the estimate to cover his fee or taking $$ that I believe is owed to the insured. Down in south Florida, I found the PA's to be very difficult to work with (to put it politely). I think I only came across two that were "decent" and working for the insured. Its a game to them. They all write sky high estimates.. and if you dont agree, they just take it to appraisal knowing they'll get at least half of their estimate almost every time. I know others may well disagree with me. But I just see the position as leaving something to be desired. And integrity was usually missing from the equation.
Note, this is probably not the story in other parts of the country based upon what I've heard. And I dont know which part of Florida you are considering. It may be part of the real world. :-)... but I would encourage you to use caution in making this decision. It didnt get the reputation for being the dark side all by itself. And you dont want to have some company in the future turn you down for an opportunity because you made this decision early in your career. My 2 cents worth. Good luck!!
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RE: Working as a PA - 5/10/2006 11:41:47 PM
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racko
Posts: 241
Joined: 2/17/2006
Status: offline
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Trader, I agree with your latest post, but maybe the 1st two words of your post are all-telling.....
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RE: Working as a PA - 6/2/2006 11:21:25 AM
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REWARDADJUSTING
Posts: 91
Joined: 12/1/2004
Status: offline
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Last season Tower Hill gave you 10 files only and required adjusters to complete the 10 files in 5 days for review. If the files were good you were in and got a lot of work. If you were a newbee and did not get the files in within 5 days and or they product was bad - you were off the list. I believe this will be the trend for many insurers and this will weed out the 3 -5 day trainee adjusters. You will see a lot of newbees heading home within weeks of starting...
A friend sof mine is a staff State Farm adjuster and is still in dade county doing clean up and file reviews. He said there are hundreds of adjusters now in the black list due to poor quality adjusting product, once on the black list you can not get back off - you will never work for State Farm again. All the adjusters on the black list were first season newbees.
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RE: Working as a PA - 6/2/2006 10:57:18 PM
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PORTASATGUY
Posts: 338
Joined: 9/15/2005
Home base: Homeless
Status: offline
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Both IA's and PA' have their place in insuarnce business. Bottom Line Weather you arte an IA, PA, NEWBEE or whatever Scope the loss and know the Policy, or dont be afraid to ask. With residential Scope Roof, Front, Right, Back, Left. Outbuildings the same.......Interior Room to room, Before you leave Discuss your findings with the insured, Be precise in your measurments, Know the Program you utilize, estimate the loss, and discuss and get agreement with insured. Professionalizm, Certainty, And effective and frequent conversation with the insured most certainly will get the claim closed.
I referance Residential because most newbees will scope residential. And IA's are a result 9 times of 10 POOR, and Inacurate Scoping and estimate of losses. Which as a result, the insured gets lessor of what is actually due, resulting in re-inspects, and or suppliment claims, and as a result The insured Gets a bad taste in their mouth thinking the Carrier is Denyind and trying to Screw them, and Beleive me the Ordfeal of Suppliments, and Re-inspects to the insureds are really a hassell when the Original IA MISSED, or Underestimated the Claim.
ALL COULD BE RIGHT, and RIGHT STARTS RIGHT UP FRONT! Bottom Line, Utilize your ETHICS, SCOPE THE ENTIRE LOSS, TAKE A LITTLE MORE TIME and DISCUSS YOUR FINDINGS WITH THE INSUREDS, and AGREEMENTS with the INSUREDS, and FInally CLOSE THE CLAIM!
You will find, less re-inspects, and ALOT more positive feedback on your reputation! = $$$$$$
BTW, I am a NEW GRANDPA Introducing to the World ANGELINA My Granddaughter!
_____________________________
R. Estes
Life is short LIVE IT!
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RE: Working as a PA - 6/3/2006 10:37:44 AM
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Tom_Toll
Posts: 560
Joined: 4/19/2004
Home base: Austin, AR
Status: offline
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Congratulations Roy. Your first Grand child is always the most memorable one. Janice and I have 13 Grandchildren, on Great Grandchild and another Great on the way. Grand kids are so much fun and enjoyable.
_____________________________
Success is not final, failure is not fatal: it is the courage to continue that counts.
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