Update - The Latest addition is effective 10/2021.
This manual improves clarity of flood insurance claims guidance to NFIP Write Your Own (WYO) companies, flood vendors, flood adjusters and examiners, so that policyholders experience consistency and reliability of service.
Source: FEMA Website
NFIP Training Bulletin
The Federal Emergency Management Agency (FEMA) continues to monitor the guidance of the Centers for Disease Control and Prevention (CDC) as it relates to COVID-19. To mitigate the spread of COVID-19, the CDC is encouraging organizations to promote social distancing, hold meetings via videoconferencing, reduce non-essential travel, and adjust or postpone events and gatherings.
In light of this situation, all 2021 NFIP Adjuster Claims Presentations will be held via webinar.
Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form
This chart shows provides a coverage comparison of the following NFIP policies.
The Three Policy Forms
There are three policy forms – Dwelling Form, the General Property Form, and the
Residential Condominium Building Association Policy. Each is used to insure a different type
of property. All, however, contain certain terms and condition (e.g., Mortgage Clause,
Reformation of Coverage) that are unique to flood insurance.
"We are constantly looking for top quality personnel to represent Pilot and our clients. As a result, we are always hiring qualified individuals."
"Due to the fact that our business is based on storm related events, all of our positions are temporary as-needed positions. Wages will vary based on the particular storm, your role and the client company you are representing."
"Citizens Property Insurance Corporation was created by the Florida Legislature in August 2002 as a not-for-profit, tax-exempt, government entity. Its mission is to provide insurance protection to Florida policyholders who are entitled to but are unable to find property insurance coverage in the private market.
The Independent adjusting firms listed below supply individual adjusters to Citizens when they are needed. If you are interested in working with Citizens as an independent adjuster, contact any of these firms to see whether they currently are hiring new adjusters."
The above is from their site, the Read More link will take you to the page listing the adjusting firms as stated above
Information on some of the resources for adjusters that can be found on the NFIP site.
About Lighthouse Claims Service
"Lighthouse Claims Service is a full-service adjusting firm, fine-tuned to the needs of the individual client. Whether your company needs full Xactanalysis assignment capability or just a short form appraisal in any format, we customize our product to meet your needs. We specialize in property claims, either first or third party, personal lines or commercial lines. Our management team has over 40 years experience in the claims business."
The above is from their site.
"Alacrity Solutions hires talented, motivated, and committed professionals to serve our customers across North America with “best in class” services."
Newt, here is a new thread for you or whoever else may be interested. Again, I emphasize that each topic like this should have its own identifiable thread, so as in the event that it develops into anything, and as a result has some future value, it can be found.
Here is the scenario - stick within its framework - consider it 'real' and start to develop your own 'flow' as opposed to relying on others, and offer it up for critique and refinement if necessary. Maybe by the time it has gone through the grinder, if there is sufficient participation, it will evolve into a useful general template.
A fairly significant hail storm ('hail' used because it is the least cumbersome peril regarding the effect the damage has etc) passed through ClaimCity on Thursday May 1/03.
Saturday May 3rd at 9.00AM a vendor called you and after a 'know before you go' chat (which is not part of this thread) you agreed and were deployed by the vendor.
We are always looking for qualified adjusters to add to our roster.
We anticipate CAT and Daily Property, and Auto Claims.
The above is from their site.
Polar sea ice coverage was below average for the month
Source: NOAA 2/12/21 Article
True to trend, Mother Earth kicked off 2021 with a balmy January that ranked 7th-warmest in the temperature record, according to scientists with NOAA’s National Centers for Environmental Information.
Warmth took its toll on sea ice as well, with below-average ice coverage observed at both ends of the planet.
Crawford CATastrophe Services is constantly searching for qualified catastrophe adjusters to provide the additional claims expertise in the wake of natural or man-made disasters. Temporary property, auto, or casualty assignments opportunities are available through our U.S. Catastrophe Services Division.
The information below comes from the May 2020 NFIP Claims Manual
9.7 NFIP Fee Schedule
Adjusters may bill based on the current NFIP Adjuster Fee Schedule:
• Current Adjuster Fee Schedule effective August 24, 2017
(CADO note, the May 2020 Manual refers you to "Appendix A" but the link to the fee schedule returns a page not found so we have added the fee schedule as a download below.)
• For ICC claims, use the ICC fee schedule effective September 1, 2004 (See Appendix B of the May 2020 Manual)
Subject: Works for Me
Thread for ANYTHING in the world of adjusting that works to help get the job done- equipment, software, etc.
In this thread adjusters share their thoughts on equipment that works for them.
Source: 2006 Forum Post by RobertV
Speaking of roofs, my driving around the south and central Texas area finds that the developers are building houses in the new subdivisions with roofs that are not meant to be climbed. Steep, cut-up, mostly two stories. The old days of the accessible 4/12 ranch style house roof have been gone since the mid-1980's.
Increasingly, I am of the opinion that a preferred way to investigate these roofs are with a truck mounted crane and lift bucket. Our safety is now, more than ever, being compromised by inherently dangerous roof designs.
"I'm very new to this forum and the adjusters industry. A friend told me the other day that I need to check in to a career in insurance adjustments. I had never thought about it but he insisted I check the internet to find out any information I can find. He told me that he knew another person that enjoyed working in this field and maybe I would too. So far after reading through the forums I think it really sounds good to me. Traveling and helping people seems to stick out the most. I know that the real money will come in time but it would be worth my time and all my effort if I finally found a career that I enjoyed doing."
I am seeking a little bit of advice from some experienced adjusters. I currently sell Cadillacs and Hummers as everyone prolly knows the car business has not been the best. I have several friends that are adjusters and have done very well for themselves. I am wanting to know what is the best way for me to get into the business. I live in mobile al, and pilot is stationed here but you have to go through an evalution process to even be considered for employment. I am currently looking at several all lines online courses. Does anyone suggest a good company to get licensed with? I think the one I have been looking at is 1st choice training. I am not really looking to make a career out of this as of right now, but I have hear the success stories of people including my friends working these big storm and making a lot of money. I am very interested in doing this to pay off some debt. Does anyone suggest a good way of doing this for this storm season. I could have gone last year w/out a license for Gustav but i did not want to go unexperienced. Any advice would be appreciated.
CADO Forum Archive
Just a little insight to all new adjusters on what I have witnessed to be the progression of practice among new catastrophe adjusters in their first three years of claims work.
Stage # 1: Demonstrated during in the first twelve months of career
Mindset: “Conservative” Not comfortable with allowing for large dollar settlement. Willing to ignore scope of damage in order to keep settlement amounts low to avoid perceived internal conflict with employer.
Consequences: “Poor Production & Quality of Work” 30-75% of all claims returned by Team Manager to rework, 5-10% (which accounts for all random claims pulled for review) of closed claims returned by Reinspector to correct omissions, All estimates will require major reconciliation effort before any repair professional can begin project.
(The above is a post from the forum.)
Source: Prior Forum Post
My name is Kevin Kramer and I am the owner of Catastrophe Career Specialties LLC (a storm claims training company located in Houston Tx) . I am posting this information today in response to several questions that are asked of me quite frequently with the sincerest hopes that it will help all of those waiting for their first or next storm claims assignment.
A Little Bit About Me: Eleven years experience as a catastrophe claims adjuster w/ State Farm Ins Companies (5 yrs staff & 6 yrs Independent). During that time I have worked in 21 states on 56 initial cat coded assignments and will be the first to admit that I a still have a great deal to learn about the industry. I am a staunch opponent to politically correct Prozac speak, especially when it comes to decisions as important as starting / investing in a new career. Everyone who is considering entering the storm claims arena in entitled to hear the realities of what this industry has to offer. I believe that a person’s true success story can be found on top of the spot where their talents and passions intersect for this is the very place where all others cannot compete.
(The above is a post from a prior forum that is no longer available but you click on the title to read the complete post.)