RE: family question
|
Logged in as: Guest
|
NOTICE: We are no longer using this forum for discussions. Please follow the links to the new forums.
Catastrophe Central-The Adjuster's Forum : Community Center- Forums
New Site Registration : New Site Login
Login  | |
|
RE: family question - 8/19/2006 1:30:45 PM
|
|
|
malvi
Posts: 52
Joined: 5/25/2006
Status: offline
|
You are determined and driven two necessary qualities for an adjuster, so keep researching and learn, learn, learn. On a more personal level, these past two years woking with my husband, I was the adjuster and he the helper (or so I thought) has made me grow as a person and as a wife. I too pushed at the beginning and thank God he was strong enough to say no to me (when he had to say no), and as mad as I was at him I had no choice but to listen because he did not budge.
Since we have moved forward together (when the time was right) and I have grown in trust and respect for my hsuband (professionally and personally). I may have many more years of insurance experience but his knowledge and work expeirnece (along with attitude, temperatement, insight, intuition, etc) is what has made us suceesful to date. It is not him that needs me. it is actually I that needs him to suceed in this business. It was a hard lesson for me to learn. My pride and independent nature stood in the way for many years. Maby there are some things for you to look at besines a new career.
You are OK. Your hubby is a lucky guy . MAlvi
_____________________________
malvi
|
|
|
|
|
RE: family question - 8/19/2006 3:09:17 PM
|
|
|
C.J.
Posts: 63
Joined: 8/29/2005
Status: offline
|
You ARE helping in so many ways. Being there at home and with the children is perhaps more helpful than being on location. It will be a great relief for him to know you and the children are safe, cared for, and in a healthy stable environment. You can still utilize the time to the best advantage-education is available. Perhaps a local agency could use and provide some valuble experience for you. At least you will be providing the best environment for the sake of the family. Children grow up so fast it seems, and if you miss out on their childhood, it is gone forever.I waited until mine were grown before attempting this line of work. I am glad I did! Call often, visit as can, and love those babies. Your time will come! I found that a digital video and webcams really help a lot. I also arranged for a short phone call on a regular basis, at a specific time, to the little one(s). It was a life-saver for me and my grandson. It was a special thing we both looked forward to every day. Thats how I 'adjusted'.Don't give up the dream, just 'adjust' it a little bit to fit your needs and your loved ones needs. Good luck, and keep learning!!
_____________________________
In life as in work,Adjusters adjust--Always!
|
|
|
|
|
RE: family question - 8/19/2006 11:14:56 PM
|
|
|
yebolu
Posts: 48
Joined: 2/10/2006
Status: offline
|
Texas Dave,
I have a few questions for you on doing daily auto adjusting. What part of TX are you in?
Pls send me a personal e mail @bsalako@yahoo.com.
Thanks
|
|
|
|
|
RE: family question - 8/20/2006 11:32:54 AM
|
|
|
misty
Posts: 5
Joined: 8/13/2006
Status: offline
|
If you are really considering storm trooping as a life style, there are a few things you should know. Below is a summary of a typicle storm.
As mentioned by several people, you get a call and are told to be at such and such a location by 8:00 am two days from now, keeping in mind that the drive is 16 hours away. This gives you very little time to prepare to leave, such as arranging a lawn maintanence service, snow blowing, etc. You also have to arrange to have someone check on your house, and do/arrange for emergency repairs. You don't know how long you are going to be gone, so you have to pack clothing for all seasons. You also have to pack all the supplies you will need, such as linens, pots and pans, etc.
Once you arrive at the specified site, you may be sent to another location, or worse yet, sent home because the storm didn't cause as much damage as anticipated. You may or may not be paid for your travel time. Once you get to your destination, you have to find lodging and food. If you are located in the devastated area, accomodations and food are scarce, if they can be located at all. Even in an RV, you can't find anyplace to hook up for power and sewer. Please note that you need to do this on the day you arrive, as your husband will probably be handed 50-100 claims at the meeting, and he will have to start seeing the insured's by the next day. If you find a place to rent on a month to month basis (paying premium dollars for this), you will also need some furnishings. It is very likely that the temporary housing you locate is 1-2 hours away from the area of the claims, so understand that your husband will be driving 2-4 hours per day just to get to the claims.
Most insurance companies expect the insured's to be contacted within 24-48 hours, and the inspection to be completed within 3 days. The companies then expect the estimate to be written, reports completed, and the claim turned into the company immediately. This means that on day 1, you and your husband are trying to contact 50-100 people to schedule appointments. On day 2, your husband will inspect several losses (number varies based on size and complexity of damages). After seeing the losses, your husband drives another 2 hours to get home, and must immediately download the photos, complete estimates, complete forms, and submit claims to the carrier. Please understand that this is after he has had an emotional day with the property owners, who may have lost everything they had. Your husband not only has to scope the damage, but must determine what items are covered, and explain the policy and procedures to the insured. Of course their first question is when can they expect to get paid. Your husband may also be trying to locate housing for the insured's. You already know how difficult this is because you have just spent the day or several days trying to find someplace for your family, and there is nothing available in the area.
After your husband arrives home, he checks the computer and finds that he was assigned another 45 claims. Again, he has to call these people immediately to schedule appointments. He also has to attempt to contact the 30 people he wasn't able to reach yesterday.
This schedule goes on for weeks or months. Your husband is working 7 days a week, 14-20 hours a day. Even though you and the children are there with him, he doesn't have time to spend with you or the kids.
After 6 weeks, the company gives your husband assignments in a new area, which is 2 hours away in the other direction. He is now trying to handle claims in both areas, make contacts, complete estimates, reports, and submit claims. Please note that the paperwork takes more time than the time spent to inspect the loss.
All this time, you are paying for two households, and doing all the household stuff yourself, as your husband is working the claims. This means you are doing your normal household duties, but also going to the laundro-mat, mowing the yard at your rental, taking out the garbage, doing any repairs as needed, and dealing with any problems for your permanent house long distance.
After all this is said and done, after several months or a year, you finally go back home. You get home and two days later you get a call to be someplace else within a few days, or you don't get a call for a year. You are constantly waiting for that call, and can't make any long distance plans, because you don't know if you are going to be working or not.
I'm not trying to discourage you, but I wanted you to have an idea of what is involved.
My husband and I each have 30 years of adjusting experience, as both staff and independant adjusters. We work well together, and have chosen to be storm troopers. However, we have spent the last year in Miami working the hurricanes, and have only seen our house once. Also consider that we didn't see any pay for 2 months, and had to live on our savings during that time, supporting 2 houses.
There are definately pros and cons to being storm troopers.
Please consider everything before making your decision.
|
|
|
|
|
RE: family question - 8/20/2006 2:34:06 PM
|
|
|
catwoman
Posts: 45
Joined: 7/12/2005
Home base: Mobile, Alabama
Status: offline
|
Good luck, Ced. Keep in mind that when your kids are grown up, (and they do so, so fast!) this is a wonderful position for a husband and wife that enjoy one anothers company.
|
|
|
|
!! You are viewing a post in the forum archive.
NOTICE: We are no longer using this forum for discussions. Please follow the links to the new forums.
Catastrophe Central-The Adjuster's Forum : Community Center- Forums
New Site Registration : New Site Login
 New Messages |
 No New Messages |
 Hot Topic w/ New Messages |
 Hot Topic w/o New Messages |
 Locked w/ New Messages |
 Locked w/o New Messages |
|
Post New Thread
Reply to Message
Post New Poll
Submit Vote
Delete My Own Post
Delete My Own Thread
Rate Posts
|
|
User Agreement | Privacy Statement| Contact |Copyright 1995 - 2006 CatAdjuster.org. All rights reserved.
0.061
|
Printable Version
