How to write a Resume.org

CADO Admin

Subject: How to write a Resume.org
Description

Comments from the site:

"Site offers free cover letter, thank you letter, and resume writing tips. Research how to write a resume, distribute your resume to hiring managers, and tips for how to get an interview."
 


URL: http://www.how-to-write-a-resume.org/


Newbie Adjuster Advice

CADO Admin

Subject: Newbie Adjuster Advice
Description

Greetings! My name is Zach and I recently got my GA adjusters license in August and I'm looking for a little advice on how to get started and get more involved in the industry. I know a couple of independent adjusters here in Athens and they are assigned a couple of claims here and there but I'm thinking I want to start out working for a company for the first couple of years until I get some experience under my belt. I know that Crawford looks for experienced adjusters but unfortunately I don't have it at this point.

Is there anything I can do to connect with other adjusters that are willing to train me and show me the ropes? I have scoping pretty much down.My next step is to take a class and master Xactimate. Have a great day everyone and I look forward to your responses!

Best Regards,
Zach


URL: http://www.catadjuster.org/Forums/tabid/60/afv/topic/aff/67/aft/10970/afpg/1/Default.aspx
Source: Active Forum Post by Zack - 40 Replies (so far)


Hurricane and Windstorm Deductibles

CADO Admin

The source of the information below is the Insurance Information Institute, iii.org

Nineteen states and the District of Columbia have hurricane deductibles: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia and Washington DC. Listed below are reports for these states detailing hurricane deductibles.

 


E&O Coverage

CADO Admin

Subject: E&O Coverage
Description

 I don't see anything regarding E & O insurance mentioned. As independent adjusters do folks carry this type of protection as do most Realtors?

Thanks...


URL: http://catadjuster.org/Forums/tabid/60/aft/9334/Default.aspx
Source: Forum Past by 2roadrunners - 15 Replies


Safety and roofs

CADO Admin

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.


LADDER/CLIMBING SAFETY

CADO Admin

Subject: LADDER/CLIMBING SAFETY
First Posted on Saturday, September 02, 2000 - 1:32 pm: By: Lyndon

Bottom Line: Too Many Falls Last Year!!

1.) Take time to evaluate your ascension. Look at all slopes and valleys. Two and three story structures call for the utmost of attention and care. Ladder pulls are a particularly risky effort and deserve your utmost care.

2.) Do NOT be afraid to say NO! If you are very concerned about a particular roof, GET HELP! Local roofers are always willing to assist you! IF you ask the carrier, most of the will give their blessing as opposed to having you fall!

3.) A variety of ladders is not a bad idea. It offers you choices that you would not otherwise have.

 

... more


Historical Hurricane Tracks

CADO Admin

Subject: Historical Hurricane Tracks
Description: The Historical Hurricane Tracks tool is an interactive mapping application that allows you to easily search and display Atlantic Basin and Eastern North Pacific Basin tropical cyclone data. 

Source: NOAA Climate.gov 
 


Becoming an Adjuster

From the Forum Archive

CADO Admin

Subject: Becoming an Adjuster
Description: Fourm Archive Post by Clayton Carr

Came across something the other day that maybe has some relevance in this thread.
"10 habits of Highly Effective Adjusters", it is on the web version of Claims Mag (August 2001), but I'll summarize the points.

(1) Reading - An effective adjuster can actually read and comprehend a policy. That is, they know the coverage, they what the policy says. Also, an effective adjuster must be able to read and comprehend the technical correspondence related to the claims they handle. For property adjusters that would include engineers and fire investigators reports. A liability adjuster to be effective must be able to read and comprehend court documents and medical reports. To be effective, you must be able to understand and convey to others the technical details of a claim.

(2) Writing - "Check-off" and short forms reports as well as email have eroded this skill. The effective adjuster has the ability to prepare professional correspondence.

(3) Keeping a diary - a suspense diary is just about the most basic tool one can use in handling claims. When our peers review an open file that shows no activity for two months, one of three things is happening; (a) the adjuster is not using a diary, (b) the adjuster is not keeping notes, (c) the adjuster is doing nothing. What's the alternative to a diary? You must wait for something to happen and react to it. An effective adjuster does not do that.

(4) Keeping activity notes - One of your greatest challenges will be the first day you sit for a discovery / deposition, or find yourself in the witness stand of a court room; and try and remember with clarity what you did on a file four years ago. Adjusters notes are the only way to tell what is happening on a file. Activity notes provide the history of how a claim was handled and effective adjusters always make an entry each time they "touch" a file.

(5) Keeping others informed - Communication is key to an effective adjuster. Consider being a DAPIST - detailed as possible, in simpliest terms. Communicating regularly with all concerned parties is critical to success.

(6) Learning - A great deal of adjuster training is task oriented. That sort of training taught you how to fill out forms, how to measure a building, how to estimate damage, how to photograph and how to take a statement. If all you learn are "tasks", then you will only be capable of doing tasks. An effective adjuster never stops learning. An effective adjuster will learn about human relations and how the claim adjustment process fits into the insurance "big picture".

(7) Don't beat a dead horse - or "dog files" by another name; those files that just seem to linger on and don't get closed. There comes a time in every claim where an effective adjuster must be an "adjuster", and use the skills of an adjuster to negotiate and bring the file to a resolution. The effective adjuster knows when to fight a battle, and when to concede.

(8) Don't burn your bridges - An effective adjuster is reasonable and fair in dealing with others, not stubborn and unyeilding. An effective adjuster knows that being reasonable and fair will make the job easier, but they al


Occupational Outlook Handbook

Provided by the U.S. Bureau of Labor Statistics

CADO Admin

Description:  for Claims Adjusters, Appraisers, Examiners, and Investigators

Bureau of Labor Statistics, U.S. Department of Labor
The following is a TOC to the information provided in this online handbook.

Article info Updated 10/15/2020

 


Seven Newbie Questions

CADO Admin

Subject: Seven Newbie Questions
Description: Forum Past By Alex

 OK. Here I am. Just got my Georgia license (god, what a drag that was!) and ready to make millions   I've been in construcion for a few years (roofing estimator)  and dealt a lot with claim based construction work.  So, I just wanted to hear some advise from you guys, hardened in battles veterans....

 
So, here we go.
 
  1. How do I get in? What should my strategy be? Should I try to get hired by a large insurance company to gain some experience? State Farm? Allstate? Or should I just get on the rosters of as many independents as possible and wait for a lucky day?
  2. What are the advantages and disadvantages of being a staff adjuster vs independent?
  3. Is there enough work right now? I hear a lot of older guys are leaving the field. Does that mean, it would be easier for me to find work?
  4. How much you all guys make? Honestly, is it worth doing what you are doing?  How much a typical staff adjuster makes? Independent? In storm situation? In  a slow year?  In an average year?
  5. What is better residential or commercial claims? How can I get to work commercial claims?
  6. Flood and earthquake certifications?  Do I need them? Are they beneficial to me at this stage?
  7. How many licenses should I get? In which states?

NFIP Dwelling Form

CADO Admin

Subject: Policy: NFIP Dwelling Form
Description: Quote from FEMA;

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the NFIP Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for:

  • Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
  • Two- to four- family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;
  • Dwelling unit in residential condominium building;
  • Residential townhouse/rowhouse
  • Manufactured mobile homes

House Fire--A simulated claim for discussion

Source: Forum Post Started by Racko on 9/19/2006

CADO Admin

 To kill some time in this lull period & spread some knowledge, here is the scenario (or scenarios) as you see fit to make it. I will lay out the limited info as follows, and let's see where it goes.

Heavy fire loss occurs in a single family dwelling. Cov is HO-3, no issues with eff dates. Insureds have just left home about 6:00 p.m., a couple hours before fire breaks out and is discovered. High winds fan the flames and each house on either side sustain heat/smoke damage before the fire is brought under control. Let's say both neighboring houses now have some melted vinyl siding, one sided 2 years ago and the other 12 years ago. The elderly neighbor next door initially beat on the insured's door trying to see if they were OK, and burned his hand. He then rushed home to get his wheelchair bound wife out of their house, but she spends a week in the hospital with smoke inhalation related complications.

The insureds are a young couple, both smokers, with a 6 year old son. They just moved in about 2 years ago, only work in the house since they came was replacing the kitchen flooring, and adding a center island with a new cooktop on it. These were professionally installed within the past 6 months.


Citizens Property Insurance

CADO Admin

"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.

Independent Adjusters

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

 

CEA Homeowners Policy

CADO Admin
Info from the CEA website

With a CEA homeowners earthquake insurance policy, you can choose the coverages and deductibles you need. We offer two policies for homeowners:

 

  1. Homeowne​rs Choice offers coverage for your house, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.
  2. Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.
     

 


Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

Source: North Carolina Department of Insurance

CADO Admin

....

In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than
newer construction to ensure that moisture hasn’t seeped into the walls that will eventually result in mold and interior wall rot. If adjusters do not look for moisture build-up trapped inside the wall, then this damage could be missed, causing mold and rot to proliferate and resulting in bigger problems for homeowners in the future.

...


New Guidelines for NFIP Adjusters

FEMA Bulletin w-16005 – Authorized NFIP Adjusters and 2016 NFIP Claim Presentations

CADO Admin

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.

Theme picker


KB Search

«January 2021»
SunMonTueWedThuFriSat
272829303112
3456789
10111213141516
171819
2021 NFIP Adjuster Claims Presentation Webinar - Tue Jan 19

2021 NFIP Adjuster Claims Presentation Webinar - Tue Jan 19

Webinar Opens:  8:30 AM Central Time Start Time:  9:00 AM Central Time Lunch Break:  30 Minutes End Time:  3:30 PM Central...
Read more
2021
2021 NFIP Adjuster Claims Presentation Webinar - Thu Jan 21

2021 NFIP Adjuster Claims Presentation Webinar - Thu Jan 21

Webinar Opens:  8:30 AM Central Time Start Time:  9:00 AM Central Time Lunch Break:  30 Minutes End Time:  3:30 PM Central...
Read more
2223
242526
2021 NFIP Adjuster Claims Presentation Webinar - Tue Jan 26

2021 NFIP Adjuster Claims Presentation Webinar - Tue Jan 26

Webinar Opens:  8:30 AM Central Time Start Time:  9:00 AM Central Time Lunch Break:  30 Minutes End Time:  3:30 PM Central...
Read more
2728
2021 NFIP Adjuster Claims Presentation Webinar - Thu Jan 28

2021 NFIP Adjuster Claims Presentation Webinar - Thu Jan 28

Webinar Opens:  8:30 AM Central Time Start Time:  9:00 AM Central Time Lunch Break:  30 Minutes End Time:  3:30 PM Central...
Read more
2930
311

Wind 2021- Virtual Sessions

The Educational and Networking Conference for Property Insurance Claims Professionals The annual Windstorm Insurance Conference (WIND) is a...
Read more
23

Wind 2021- Virtual Sessions

The Educational and Networking Conference for Property Insurance Claims Professionals The annual Windstorm Insurance Conference (WIND) is a...
Read more
456

FAQ

Structural Forensic Engineers & Damage Assessments