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KileAnderson
USA
875 Posts |
 Posted - 02/11/2003 : 21:17:04
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| Let me see sun comes up around 6. Most insured's don't want to see you before 7, hell most don't want to see you before 8 but lets say you can get a couple to see you at 7 and 7:30. So you arrive at your first inspection at 7 a.m. You have 4 hours to do 10 claims before 11. That's 240 minutes. That's one claim closed every 24 minutes. Which means you can arrive. Knock on the door, explain who you are and ask what kind of damage they've noticed. Pull the ladder out of the truck, set it up, climb up, assuming it's a simple gable do 2 test squares, take a couple of pictures, take a coupl of measurements, make your diagram, count the vents and pipe jacks, check for drip edge and if it's an overlay on the way down the ladder. RUN around the house to make sure siding and screens are OK. Grab ladder, set it up on the shed 2 test squares there, measure, diagram, photos. While you're at the shed, get a rear risk photo. Carry ladder back to the truck, secure it. Get a front risk. Sit down in truck, start engine, pull up pre loaded template, type in measurements and adjust all pertinent extras, double check your minimum charges and make sure deductible is correct. Double check estimate so that you aren't paying for 50 squares when you mean to pay for 20, it happens. Hit print, start filling out draft. Wait for printer to spit out estimate. Oh, double check if they have a lien holder to include on draft. Staple estimate, leave truck running while printer keeps spitting out the other two coppies, run inside, explain entire estimate and depreciation and tear off hold back and how to recoup said amounts, answer insured's questions about why you have to hold back tear off and who they have to send the bill to to get depreciation back, turn down cup of coffee and pie, say good bye, run back out to truck, hop in grab other two copies, make floppy copy of estimate for file, rubberband the photos and floppy, shove it all in the file and drive to next claim. All in 24 minutes. YEAH RIGHT! |
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Justin
USA
137 Posts |
Posted - 02/11/2003 : 21:17:11
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mshort68. When you do these straight down hail storms do you do any of the following.
1. Test square on n,s,e,w, elevations. check & photograph roof penetrations [vents & turbines]?
2. Photograph these test squares for the carrier?
3. Photograph gutters and downspouts [evestraughs Clayton] ?
4. Check entire dwelling siding elevations?
5. Check all windows for damage?
6. check all screens for damage?
7. Check all appurtenant private structures?
8. Check dryer vents, mailbox's etc.?
9. Explain your scope to insured and reach an agreement or AP on work?
10. Turn in a file with complete drawings of roof with appropriate measurements and computational assessment of squares, waste, and gross squares, an ic log, etc?
If the answer is NO then I respectfully submit that you may want to reassess how you catagorize yourself. If the answer is YES then I think a lot of us would be interested in learning your superman techniques and how you can maintain this pace for up to six months. Thanks, I will really be interested in your helping us to understand how you manage all this.
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JimF
USA
1014 Posts |
Posted - 02/11/2003 : 21:24:24
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Since when (and WHERE?) has any carrier allowed a hail storm to run on for 6 months before insureds get first inspections?
Name any carrier that would lower themself to THAT level of poor service for their insureds? |
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KileAnderson
USA
875 Posts |
Posted - 02/11/2003 : 21:26:35
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| Jim, I've known people that worked hail storms for over a year because that's when the claims came in. Some people wait months before putting in a claim and a month or two after the storm they see their neighbors getting new roofs and they file a claim. Happens all the time for large carriers. |
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Justin
USA
137 Posts |
Posted - 02/11/2003 : 21:33:58
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Jim, I worked the Minneapolis hail storm from May 22, 1998 thru November 1, 1998 and returned April 10, 1999 and worked thru October 15, 1999 at which time I was so tired I just couldnt handle anymore which is not uncommon for us old farts. They invited me back April of 2000 and I worked for two months in 2000. When I left, they still had 6 full time adjusters working for one company. This is just one of many storms that I know of that exceeded the six months.
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CCarr
Canada
1200 Posts |
Posted - 02/11/2003 : 21:41:23
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To the inquisitive minds exploring the phenomenon of, "The secrets of 10 by 11", I award the following commendations;
1st place - Kile - a truly excellent, wear you down, tire you out, minute by minute scientific account; explaining the fallacy of that absurd notion.
2nd place - Justin - a good and reasoned response, kindly bringing his neighbour to the north into the mechanics; concluding with a conclusion and an open question seeking the key to this illusion.
3rd place - Jim - for leading the pack in the challenge to the prophet of prolific production, to share with us who these magicians are.
Absolutely amazing, and I don't mean the commendations. |
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JimF
USA
1014 Posts |
Posted - 02/11/2003 : 21:41:39
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Justin and Kile, Thanks for setting me straight.
Just goes to show I'm not the hail 'expert' around here, but then again, I never said I was.
Is it fair to suggest though, that as such a large storm matures, that the number of adjusters dwindles, and as a result, the uninspected claims become farther and farther apart from an inspection scheduling standpoint, which would increase driving time between inspections?
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mshort68
USA
138 Posts |
Posted - 02/11/2003 : 21:42:36
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Okay boys here is how it goes. Actually worked for 14 months, but who's counting. I worked over 2000 hail claims and appox. 200 ice claims, but who's keeping track. I've never paid for a mailbox or dryer vent, that is for people looking for an exterior payment. Yes, maybe some screens and recomb a/c's, but not a dryer vent (come on).
If you need all the Ph's home for a straight down hail storm, you are just making your life more difficult. No interior why should they be there, most of them actually have a real job and real life and expect us to do our jobs. I'm not saying that the file is complete when I leave the residence, but photos are stapled and check is written. First thing is to check exterior (gutters, screens, a/c, siding) takes 2 mins. Take 2 major slope pics and close up of hail. Also one for vents. 5 mins. Inspect two outblgs. 2 mins. Write up est and write check while calling PH to explain, less than 20 mins. Come on guys maybe you need a refresher course (Fletch-great movie)! Oh yes, leave check and est. under front mat. First contact settled, closed. |
The grass is always greener on the other side, but it still has to be mowed! |
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CCarr
Canada
1200 Posts |
Posted - 02/11/2003 : 21:48:01
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| Wow, wow, isn't that something. I hope I am wrong in guessing who or thinking who the carrier is, but I'm pretty sure and very glad, my policy has another name on it. |
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mshort68
USA
138 Posts |
Posted - 02/11/2003 : 21:48:52
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| I can name 10 staff people who can do 10 and have done 10 a day, consistently. Me and Catdaddy got in a race on week and both averaged 13 for the week, 85% inspected to closed ratio. You don't have to believe it, but if I ever see you on storm, the numbers will speak for themselves. Oh yes, I'll be the one driving the new Escalade. |
The grass is always greener on the other side, but it still has to be mowed! |
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mshort68
USA
138 Posts |
Posted - 02/11/2003 : 21:50:13
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| Oh yes, CCarr they are selective in who they write. Not really!!!!!1 |
The grass is always greener on the other side, but it still has to be mowed! |
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JimF
USA
1014 Posts |
Posted - 02/11/2003 : 21:50:25
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Let' see. Now you did all of this while working for a carrier as a staff adjuster? While getting paid the exact same amount for your effort as your fellow staffer who closes 3 per day and then drinks beer and plays golf all afternoon? Why?
Now how many of you IA cat adjusters out there know carrier staff adjusters who work like that? |
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CCarr
Canada
1200 Posts |
Posted - 02/11/2003 : 21:51:56
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| I do believe it Shorty, I truly do; that is the sad thing about it. |
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KileAnderson
USA
875 Posts |
Posted - 02/11/2003 : 21:54:39
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| So, Mshort, you don't pay for damaged mail boxes and dryer vents? Isn't that a deriliction of duty? If they are damaged you owe for them. I wonder if the state insurance commisioner would like to hear about your claim handling practices? |
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mshort68
USA
138 Posts |
Posted - 02/11/2003 : 21:55:23
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| Not many Jim and that is the reason I jumped the fence, not getting paid for performance. You don't have to believe me, but if you ever talk to anyone who knows me (other than CatDaddy), then maybe you'll see. It's all about being the BEST. I'm not saying that the fastest is the best, but it sure doesn't hurt. |
The grass is always greener on the other side, but it still has to be mowed! |
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Is the glut of newbies due high$ expectations?
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