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Last Post 12/30/2008 4:01 PM by  Snappy
Question about Service Companies ??
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Snappy
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12/10/2008 11:40 PM
    I have had trouble posting this today.
    Don't know why, but seems to be working now.

    There seem to be a lot of service companies both
    cat and daily. Could anyone give a brief overview
    of the requirements for this type of firm: carriers,
    adjusters, and state? I assume a lot are mom and pop.

    Thanks.

    snappy 
     
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    Tom Toll
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    12/11/2008 12:55 AM
    My age really has caught up with me. What?
    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    LarryW
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    12/11/2008 5:29 AM
    Guy,
    Apparently you are still having trouble posting.
    No one is absolutely worthless, at the very least you can serve as a bad example.
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    Snappy
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    12/11/2008 10:46 AM

    Well I can see my question so I

    know it got on this time. Hadn't

    posted anything in several years

    and didn't have any trouble then.

     

    Thought my age might have finally

    caught up with me -- yeah.

     

    Are service companies licensed

    by the states like adjusters and

    agents by the IC or like ordinary

    corporations, partnerships, and

    proprietorships by the sec'ts of

    state or both? What do the carriers

    usually require besides bonding

    and the adjusters being licensed?

     

    How about a brief overview in

    thumbnail sketch 25? Thanks.

     

    snappy


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    Todd_Summers
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    12/18/2008 3:46 PM
    Huh?
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    JimGary
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    12/18/2008 6:11 PM
    Guy, Perhaps you shouldn't lump you questions together. I gotta say, I have a little problem understanding what exactly your asking. By service companies, I assume you refer to restoration companies (Servpro, Stanley, Kiwi and such). Or are you meaning adjusting firms?

    Confused
    I know the voices aren't real, but sometimes they're right!
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    Medulus
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    12/18/2008 6:16 PM

    Is this a test and I didn't study the material, or what?

    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    LarryW
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    12/18/2008 7:57 PM
    Perhaps Larry Hardin should respond here. I think he is involved with a Guy's service company of some sort or another.
    No one is absolutely worthless, at the very least you can serve as a bad example.
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    okclarryd
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    12/18/2008 8:55 PM
    I'm just here to help.

    What Guy is asking is whether the service department is responsible for the personal items left in your vehicle when it is left for service.

    Or, maybe, he's asking if you would like to be put on the rack and serviced as well.

    I'm just so confused about all this. I believe I'll have three or two glasses of Tennessee clarity and then hook up a guy wire to keep me straight.
    Larry D Hardin
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    JimGary
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    12/18/2008 10:15 PM
    Thank you Larry. As usual your wisdom, clarity of thought, and leadership has brought order to the chaos. Though I'm more of a Canadian fan, I'll join you in a cyber toast.

    JWG
    I know the voices aren't real, but sometimes they're right!
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    Snappy
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    12/18/2008 10:18 PM

    You guys are pretty funny that's for sure, but I didn't think you'll would have that hard a time with the questions.

     

    I'll try one more time.

     

    Do any of you long time adjusters know what steps you need to go through to start an "adjusting company" (service company) in most states? This is without getting into what the carriers require or getting business from them.

     

    If you don't know that's cool. You don't have to know this to work for one. I just wondered what "the man" does when he wants to set one up.

     

    Thanks.

     

    snappy

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    HuskerCat
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    12/18/2008 10:24 PM
    Git it outta here, you'se guyse's...you're killin' me, ya know what I'm talkin bout? 
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    StormSupport
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    12/19/2008 8:43 AM
    Who is "the man"?
    Do the right thing, ALWAYS
    ~Meg~
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    Medulus
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    12/19/2008 10:29 AM
    Guy,

    I got to the bottom of the mescal and ate the worm, so my vision is suddenly cleared.

    The question you ask is specific to each state, so you would need to check with the Dept. of Insurance website and probably get a couple clarifications of your own from some real live people at the DOI to answer your questions.

    Or, you could ask Larry Hardin again. I think he's about twice as clarified as he was before.
     
    I also have an answer to your question, Meg.  He was that Guy who was on that tv show with Chico.
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    Snappy
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    12/19/2008 11:41 AM

    Steve,

    Thanks. Good advice. All the 
    comments have about cured
    me of asking questions. But 
    I am going to do a little 
    research and will report back.
    If no one cares that's alright
    too. Later.
     
    snappy 
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    Snappy
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    12/19/2008 11:45 AM

    Meg,
    In my commment it means the men and women
    who start and run "adjusting companies."
    Nice self portrait (I assume). Later.

    snappy 

     
     
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    sbeau4014
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    12/19/2008 5:44 PM
    You also will need to research the requirements of the Secretary of State in the state in which you plan to do business and determine what their requirements are as far as starting up a new business, tax information, employee information, etc. Fed tax ID has to be obtained, and you may have to have your company formed before you can get that.
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    HuskerCat
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    12/19/2008 9:59 PM

    Unless you's one of da you'se guys...then whatscha problem?  Seen the noose lately? Hey!

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    Snappy
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    12/20/2008 1:06 AM

    Mike Kunze is a very good writer.

    If you don't believe me you should

    check out some of his 499 posts.

     

    The last two posts must have been

    written by an imposter. They don't

    make sense and  aren't funny.

     Whoever is doing it should knock

    it off now. It's not fair to him and
    his loyal readers.

     

    snappy

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    Snappy
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    12/20/2008 1:53 AM

    Steve (Beaumont),

     

    I agree with your comment, but

    from what I have found on the

    web the states seem to do most

    of their insurance regulation, other

    than of the carriers, through their

    control of the agents, brokers,

    and adjusters. Is there a separate

    layer of regulation for the adjusting

    companies?

     

    With downloading and uploading

    and standardized computer estimating

    and cheap communication I would

    think there would be a trend toward

    more and smaller adjusting companies.

    And more people getting both sides of

    the cut. What say you'll?

     

    snappy

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    sbeau4014
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    12/20/2008 8:13 AM
    Guy,

    My wife has set up IA offices in 7 cities/6 different states, plus we set up one of our own. There is a lot involved in it, depending on if you are planning to set up office spacing, or just open up a company to operate out of your house. You have to decide what type of company you want, being an S corp, C corp, LLC, partnership, etc. Once you decide that, every state and the fed government require you to register the company and set it up properly according to their individual rules. I don't know about any individual rules that the department of insurance in the states have, besides licensing of the individual adjusters, but some states DOI may require the company to register with them and post a bond. The company has to abide by the licensing laws and the state insurance statutes, and as far as I know, that is where the DOI rules/responsibilities are.
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    JimGary
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    12/20/2008 9:01 AM
    Posted By Guy Snappy on 20 Dec 2008 01:53 AM

    Steve (Beaumont),

     

     I would think there would be a trend toward

    more and smaller adjusting companies.

    And more people getting both sides of

    the cut. What say you'll?

     

    snappy


    Guy, You may be right, but that has not been my experience with insurance carriers. And as a potential employer, you would have to ask yourself, do I want 10 adjusters who handle 10 files each or 1 adjuster who can handle 100 files.
     
    JWG
    I know the voices aren't real, but sometimes they're right!
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    HuskerCat
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    12/20/2008 8:44 PM
    Posted By Guy Snappy on 20 Dec 2008 01:06 AM

    Mike Kunze is a very good writer.

    If you don't believe me you should

    check out some of his 499 posts.

     

    The last two posts must have been

    written by an imposter. They don't

    make sense and  aren't funny.

     Whoever is doing it should knock

    it off now. It's not fair to him and
    his loyal readers.

     

    snappy

    You must have been drinking more than I was when I made those posts!  If you ask anybody here, I am quite capable of making no sense and not being funny no matter how funny I thought it was at the time.  Just ask Moderator Steve (Ive only strike 3 left from a former life and time on this site)...plus, can I also lay some blame on the Larry's?  Or, that I had been watching a Soprano's series DVD?  
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    Medulus
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    12/21/2008 4:06 AM
    I think that was three strikes and three foul balls (plus an offsides penalty of two) for the artist formerly known as Racko.
    But, I'm envious because he is now an advanced member with 500 posts while I am just a member with my mere 380.
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    Snappy
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    12/21/2008 9:42 AM

    Mike Kunze wrote:

    "You must have been drinking more than I was when I made those posts!  If you ask anybody here, I am quite capable of making no sense and not being funny no matter how funny I thought it was at the time.  Just ask Moderator Steve (I[']ve only strike 3 left from a former life and time on this site)...plus, can I also lay some blame on the Larry's?  Or, that I had been watching a Soprano's series DVD?"

     

     

    Fair enough Mike. Now that really was 
    funny taking full credit for not being 
    funny at times. The two Larry's I just 
    figured for two a-holes saying welcome. 
    Seems like some list-servs have the attitude 
    toward new posters  of

    "Hit 'em hard and if they don't come

    back they don't come back."

    Sort of a screening process.

    Later.

     

    snappy

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    Snappy
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    12/21/2008 10:29 AM

    Steve (Beamont),

     

     Thanks for the information. So in theory you could have a 1 man/woman adjusting company in one of the 3 basic business forms dealing with the carrier on one end and an adjuster's license on the other end. Do you know if many people are doing that? (I understand as always getting the business ain't easy.)

    Later.

     

    snappy

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    Snappy
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    12/21/2008 11:04 AM

    Jim Gary,

     

    Thanks for your comment. I was wondering

    if smaller and more numerous adjusting

    companies bidding prices down might be the

    wave of the future. The adjusting skills have

    to be there as a given and a one or several

    adjuster, adjusting company could have a

    very low overhead. Are the big adjusting

    companies dinosaurs?  Just rambling on

    here.

    Later.

     

    snappy

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    HuskerCat
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    12/21/2008 1:02 PM
    I hadn't noticed that Steve.  An "Advanced Member", huh?  Is that like a promotion that will that show up on the next payroll, or does it just mean "please advance to the exit, Sir?" 
    Also looks like the meter stopped running at 500 on the last 2 posts.  Does that mean something?  I'm going to click on "submit", shield myself, and see what happens. 
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    ChuckDeaton
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    12/21/2008 7:15 PM
    Man, am I impressed, here I am, a member since the beginning and comparatively nothing to say. Nothing I say is funny, my wife won't even give me a polite laugh and to top that nothing I say makes sense to anybody but me.
    "Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
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    HuskerCat
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    12/21/2008 8:01 PM
    What's protocol here now?  Do I need to raise my hand before responding?  A "life member" has the floor....but when will he be back????
     
    Welcome back Chuck, don't be such a stranger....and I totally agree and disagree with the first and last parts of your statement but not entirely.   
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    okclarryd
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    12/21/2008 10:21 PM
    Mike,
     
    I can testify as to your capabilities and feel that you are imminently qualified.  As to what is the subject of another thread, I believe.
     
    The clarity has worn off and now I'm as befuddled as ever.           Here's to more clarity in life.
     
    "A" hole?   I suppose that's better than a "B"  hole.   But, I doubt the qualifications of the one making the assumption.
     
    And, we all know what "assume" really means, don't we?
     
     
    Larry D Hardin
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    Snappy
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    12/22/2008 2:13 AM

    That's it?

    That was pretty lame Larry.

    Where's all this wit the other Larry

    is so charmed by?

     

    Why not just leave the new posters

    alone, asshole? Think that might be
    a good idea?

     

    Drink up Shriners.

     

    snappy



    "Fastest growing thread on this website.
     Read it everyday." 
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    Tom Toll
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    12/22/2008 8:01 AM
    When this topic starts to make sense, I assume legitimate commentary will be made. I will refrain from that, as I don't quite understand the topic. Damn old age.
    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    Medulus
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    12/22/2008 10:31 AM
    I always figured the two Larrys were just dopplegangers of each other. There may really only be one Larry using two different surnames. And where is Darrell when you need him?
     
    By the way, Larrys, I'll be glad to moderate the namecalling right out of this thread.  Just say the word.  My cyber eraser is at your service.
     
    (I used the word "doppleganger" just to send everybody rushing to their dictionaries again.  Please pardon my "hubris".)
    Steve Ebner CPCU AIC AMIM

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    Ray Hall
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    12/22/2008 1:22 PM
    I think Gus may have returned to his other job as a full time tec. writer for AARP supplemental health insurance.
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    Snappy
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    12/22/2008 2:18 PM

     

    A  ray of light from ..........  Ray Hall.

     

    Wonder how long he worked

    on that one?


    I'll tell you what folks. I will
    stop posting. I've gotten
    nothing but potshots since
    my first post which was in
    all sincerity and I seem to
    be upsetting people. Well
    that's not exactly true. I 
    got some very thoughtful 
    comments to which I am
    thankful. I tried to pass
    off the cheap slams at first.
    But no good. So whatever.

    Oh and by the way it
    doesn't matter with me,
    but when you make fun
    of someone because of
    their spelling or grammar
    or punctuation you don't 
    know how far that person
    might already have come 
    to have gotten to where
    he or she is and he or she 
    does not need those smart
    remarks from experts in
    Insurance English.

     

    snappy

     

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    StormSupport
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    12/22/2008 6:11 PM
    Posted By Guy Snappy on 22 Dec 2008 02:13 AM

    That's it?

    That was pretty lame Larry.

    Where's all this wit the other Larry

    is so charmed by?

     

    Why not just leave the new posters

    alone, asshole? Think that might be
    a good idea?

     

     


    Mr. Snappy,
    I am offended by your choice of words here, and think you owe Larry an apology, although I certainly don't expect to see it. 
     
    All anyone did here was rib you a little, due to your vague and confusing questions.   If you can't take a little good natured ribbing without getting obscene and offended, then I might suggest you do a little searching for a profession better suited to your temperament than this one. 
    This industry is difficult at best, and a little humor goes a long way.  If you get offended at the least little thing you're going to be offended during the entire time you're involved in cat adjusting.  If you are.  By the nature of your questions I was  under the impression that you're not an adjuster. 
     
    Why not leave well enough alone, thank everyone for the attention they've given you and gracefully move on.  To come here and get so upset and start calling one of our members names is uncalled for and quite unprofessional. 
     
    ~M~
    Do the right thing, ALWAYS
    ~Meg~
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    JimGary
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    12/22/2008 6:24 PM
    ????? I must have missed something. See what happen when you actually have to go out and work claims, The good stuff get censored before you get to read it, and nothing makes sense after that.

    JWG
    I know the voices aren't real, but sometimes they're right!
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    Snappy
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    12/23/2008 1:07 AM

    Oh please Meg!

     

    You are easily the most

    boring writer on this

    website with your pearls

    of wisdom and your platitudes

    and your inane conclusions

    and pretentiousness and 
    your Mother Teresa persona.

     

    I didn't like the comments

    slamming me from the others,

    but at least they weren't

    sanctimonious about it and

    I did not have to sit through

    a sermon.

     

    And I say this to you only

    in the spirit of what you

    call in your post

    "good natured ribbing"
    and in an effort to help
    you as you tried to help me.

     

    Drink up Shriners
    and Merry Christmas all.

     

    snappy

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    LarryW
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    12/23/2008 6:54 AM

    The two Larry's I just
    figured for two a-holes saying welcome.
    Seems like some list-servs have the attitude
    toward new posters of
    "Hit 'em hard and if they don't come

    back they don't come back."

    Sort of a screening process.


    Kinda reminds me of the story of the camel stolen from the drive-in theater.

    Guy, You keep threatening that you will quit posting. Why don't you do all of us a favor and make that a promise. I seriously doubt that anyone, especially all the other a-holes here, wants to read your rambling, sensless unintelligent and moronic comments.

    Please accept that below as directed specifically at you.

    Larry (AKA a-hole)
    No one is absolutely worthless, at the very least you can serve as a bad example.
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    StormSupport
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    12/23/2008 8:58 AM
    Posted By Guy Snappy on 23 Dec 2008 01:07 AM

    Oh please Meg!

     

    You are easily the most

    boring writer on this

    website with your pearls

    of wisdom and your platitudes

    and your inane conclusions

    and pretentiousness and 
    your Mother Teresa persona.

     

    I didn't like the comments

    slamming me from the others,

    but at least they weren't

    sanctimonious about it and

    I did not have to sit through

    a sermon.

     

    And I say this to you only

    in the spirit of what you

    call in your post

    "good natured ribbing"
    and in an effort to help
    you as you tried to help me.

     

    Drink up Shriners
    and Merry Christmas all.

     

    snappy

    Boy, have you got the wrong perception, but that doesn't surprise me.  Mother Theresa?  That's a laugh!  Typically,  you have to start throwing insults to elevate your own ego, how sad for you.  Your illusion of me is about as important as a gnat in the summer who just won't go away, a pest no doubt, but insignificant. 
    I thought you said you were going to stop posting. 
    So do us all a favor and at the very least, be as good as your word. 

    Do the right thing, ALWAYS
    ~Meg~
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    Medulus
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    12/23/2008 12:03 PM
    Jim,
     
    I don't think anything has been censored here.  I certainly didn't do any editing of any of the posts.  It simply doesn't make sense because it doesn't make sense.  Sometimes a cigar is just a cigar.
     
    As long as the Larrys are willing to wear the names they have been called as badges of honor (considering the source), I did not use the option of removing those posts where they are called names.
     
    In the meantime, folks, Felice Noche de las (los?) Rabanos!  Wish I were back in Oaxaca tonight.  They will have to celebrate the carving of the radishes without me.    (He wrote....causing many to scratch their cranial orbs and wonder if they had fallen into a Zippy the Pinhead comic strip.)
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    HuskerCat
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    12/23/2008 9:02 PM
    With the holidays upon us, and prior to joining the fellow tassel-tops for treated eggnog, I would like to share a Hallmark Moment:
     
    Times here on Cado, yeah they been slow;
    Then came a guy just want’n to say hello;
    Couldn’t understand what he was askin'
    So a few of us old fellers took him to a taskin'
    Orl that is, Texas Orl,
    Then came along a guy from Nebraska
    Said some things that guy said “have to ask ‘ya”,
    Followed by them brothers, Larry they be called,
    And before you know it, he be thinkin’ “black balled“?
    Orl that is, Texas Orl,
    A hole named A, a hole named B,
    Or at least what they've claimed what they want to be,
    And so it went, and the moderators endured,
    Just like the rest of us, who'd become a little bit bored,
    But in the grand scheme, gotta know that was not the mojo,
    Ask Mother Teresa...oh yeah, she already told you so,
    Yeah, we be preachin’, now & then makin' fun, nothing finer,
    Givin' it & takin’ it, going around in circles, proud to be a Shriner.
     
    This has been a Film Ways Production dahling! 
    With thanks to Larry, Larry, Darryl & Buddy Ebson (rap version), and all other holes with a letter preceeding their name.
    Any reproduction of this publication is highly discouraged. keyword: snappyrap
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    sbeau4014
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    12/24/2008 9:25 AM
    Most Excellent Mike!!  Thanks for giving me a good chuckle this morning.
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    okclarryd
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    12/25/2008 9:17 AM
    Merry Christmas, Mike, et al
    Larry D Hardin
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    Snappy
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    12/25/2008 4:49 PM

    As the year comes to a close

    I would like to thank all my readers

    for making my thread the most

    popular thread on the website.

    I could not have done it without

    your help. And I do appreciate it.

    Over 2000 hits and most of that

    in the last week during the late

    unpleasantness.

     

    And special thanks to the moderator

    (Steve Ebner I think, but am not sure)

    for not shutting me down when he

    had the chance. I became a little

    intemperate and misspoke a time

    or two using inappropriate terms

    for several of the posters. Steve's

    dedication to the First Amendment

    is steadfast and yet he is sensitive to

    the concerns of those I offended. But

    neither of the Larry's asked to have

    the offending remarks removed

    showing their support for robust

    discussion and for the record to reflect

    accurately the free exchange of ideas

    which is what this website is all about

    and is its hallmark. None the less I do

    apologize to them and wish them

    Godspeed.

     

    And last but not least my thanks to

    those that made kind thoughtful

    responses to my questions, clumsily

    asked as they might have been. They

    were informative.

     

    One last point. There is a lot of gripping

    on this website about adjusting companies.

    How you're up on the roof and they are

    back at the office slicing off a big piece

    of the pie. How they run you around all

    over the place, here and there, and then

    send you packing and when they do set

    you to work they work you like mules.

    And how the pie gets smaller because

    they take in work cheaper and cheaper

    and then try to make it up in the split.

    That's why I was surprised there was so

    little interest in a discussion of how

    adjusting companies are actually formed

    and actually function. There's a lot of

    scattered knowledge out there in a lot

    of different skulls that can be stitched

    together with a thread like this. They

    (the adjusting companies) don't care how
    much you grumble  as long as you don't 
    start thinking too loud.

     

    (I shouldn't have to say this, but some

     of this is written tongue-in-cheek, but

     the apology is for real. And ever if the
    attempted humor is not funny Mike has 
    taught us its OK to not be funny sometimes
    [post #23] and I agree.)

    Thanks for listening.

     

    Drink up Shriners

    and Happy Holidays all.

     

    snappy

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    HuskerCat
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    12/25/2008 5:36 PM
    Merry Xmas back at ya, Guy!  Gotta admit it stirred the pot up a little bit, and a good time was had by all ...what were you thinking?  That's always been my job!! 
     
    And as long as I have the big wooden spoon out...you forgot to say Merry Xmas to the #1 Lady of CADO, the one, the only...never mind...see it never ends!!  You can't get off that easily.    
     
     
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    12/25/2008 7:17 PM

    Yes, Mike, in the spirit of website

    ecumenicalism I do apologize to

    Meg. I knew that if I had not responded

    to her withering critique of me she

    might think me sexist and that I was

    letting her off easy because she is a

    woman. And as I believe her to be a

    strong feminist I didn't want that. So,

    Meg I apologize I was too harsh.

     

    Drink up Shriners

    and Happy Holidays to all.

     

    snappy

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    HuskerCat
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    12/25/2008 8:08 PM
    I'm not ready to look that one up yet...still haven't looked up goppbledanger but already knew & practice "hubris" ever since Steve introduced that long ago.
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    Tom Toll
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    12/26/2008 8:52 AM
    As a moderator, Steve and I have to watch what we delete or edit. There were a few posts here from Snappy that made me think, what is this person doing and why. Meg did not deserve what she was thrown. I find her very intuitive and knowledgeable and a good poster. I think this thread has pretty well run its course with many not understanding the orignal question of intent. So be it.
    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    Medulus
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    12/27/2008 1:11 AM
    Mike,
     
    When you run to the dictionary, try looking up the word "ecuminism" or "ecumenical".  I don't think you'll find "ecumenicalism".  (Or maybe you will because, depending on the dictionary, you'll find networking and other words of recent and questionable vintage there, too).   Or you could ask your local pastor if you don't want to use the dictionary.
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    okclarryd
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    12/27/2008 11:22 AM
    I can't speak for my other brother Larry, but I didn't feel that the remarks posted here needed any censoring.

    My response to the remarks posted here is........................

    whatever
    Larry D Hardin
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    okclarryd
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    12/27/2008 11:24 AM
    By the way, what was the original question?
    Larry D Hardin
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    12/27/2008 1:11 PM
    I think it was what is the best GPS to use. Steve, I need to find a library and look that word up.
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    12/27/2008 2:44 PM
    Or you could just call me, Mike, now that I'm back in the states after our Christmas holiday in Puerto Neuvo.
     
    And, just what is a service company anyway, and why would someone want to start one when nobody knows what it is?
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    Snappy
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    12/27/2008 2:52 PM

    Larry, I've forgotten myself and I asked the damned

    thing.

     

    My advise to new posters is to be very deferential

    and don't ask hard questions. Then some of the old

    timers can say,

     

    "Ahh, grasshopper, you have much to learn."

     

    Any you can say, "yes sir."

     

    I've learned my lesson boys and girl.

     

    Hey, Steve, it is really is a perfectly good word and

    use correctly. I think I read in an insurance policy

    somewhere.

     

    Mike I needed a GPS device for this website, that's

    for sure.

     

     

    Drink up Shriners

    an Happy Holidays all.

     

    snappy

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    dcmarlin
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    12/28/2008 3:12 AM
    Okay, here we go.

    Remember, there is no such thing as a stupid question. Only stupid people ....

    If you ask a clear question, you will get a clear answer.  If not, prepare to bend over.

    Happy Holidays & Go Noles!
    Gimme a bottle of anything and a glazed donut ... to go! (DLR)
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    12/28/2008 9:13 AM

    Thanks Dave.

    Where you been?

    The party's almost over.
    You're pilling on.
    They've 'bout got me beat
    and don't need you to finish the job.

    So it a stupid question is it?

    Does that mean you understood the question

    and it was stupid or you don't understand the question

    and that makes it stupid or both?

     

    "What steps do you have to go through to

    set up an adjusting company?"

     

    Stripped to it's essence there it is?

    Why is that a stupid question Dave?

    It might be an uninteresting question.

    It was not a fishy question. I really

    wanted to hear what the contributors to

    this great colloquy would say. Instead

    I feel like I've been on a 2008 Space Odyssey.

     

    I'll be puzzled till my dying day how seasoned

    adjusters

    ***** EXPERTS *****

    in the inner mechanisms and deep mysteries

    of insurance policies did not understand my

    little baby question.

     

    HAL: "Dave, this conversation can serve no purpose anymore. Goodbye."

     

     

    Drink up Shriners

    and Happy Holidays all.

     

    snappy

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    12/28/2008 1:02 PM
    (deleted by poster)
    Do the right thing, ALWAYS
    ~Meg~
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    12/28/2008 1:13 PM
    Posted By Guy Snappy on 10 Dec 2008 
    There seem to be a lot of service companies both
    cat and daily. Could anyone give a brief overview
    of the requirements for this type of firm: carriers,
    adjusters, and state? I assume a lot are mom and pop.

    Thanks.

    snappy  

    Mr. Snappy, this was your original post. In my humble opinion, your should "take it on the chin" for posing a nebulous question rather than looking down at those who respond to you for not being "expert" enough or whatever.
    Your title and main sentence ask about "service companies" and for those who have been in the biz a while, that is not how "adjusting firms" are referred to, so things start out rather murky (as you can see by the initial responses to your first post).  Water & Fire restoration service? Adjusting Service??
     
    I recently walked the road you are asking about, and my best advice would be to call the Dept of Ins for the state you wish to operate in, only they can tell you the "requirements" for an adjusting firm.
     
    As to "carriers, adjusters, and state?" you simply aren't real clear, and that's OK.  Believe me, I have a lot of baggage and am not perfect - but I try not to insult those whom I hope to learn from.  This biz is very conservative, and you will have to get used to biting your tongue frequently as people in the claims world will give you lots of bait - if you take the bait and speak to them as you speak to us you will find yourself wondering why your new business is not going as well as you hoped. 

    I am referring to Insureds, Claimants, even those who are supposed to "be on your side" that you may be reporting to, or working for. They can all have a bad day, or expect you to read their mind.  In addition to all the other things we have to do, adjusters must be able to get people to "agree" to things and that calls upon lots of different skills.  Stirring the pot isn't one of them.
    Bob H
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    12/28/2008 4:06 PM
    As usual, Bob, You're the voice of clarity and reason. 

    Well thought out, as always, and very wise advice. 
     
     
     
    I hope everyone had an enjoyable Christmas. 
     
    Do the right thing, ALWAYS
    ~Meg~
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    12/28/2008 4:10 PM

    You're right Bob I should end all of this.

    It has turned into an ugly mess and I

    am weary of it.

     

    I have learned a lot from this thread.

    Some of the things you mentioned

    and other things not mentioned.

     

     

    Drink up Shriners

    and Gospeed you all.

     

    snappy

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    okclarryd
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    12/28/2008 4:15 PM
    Don't be tellin' Bob that or he'll be doin' it all the time.

    Christmas was very enjoyable with nearly all of my family together. No one got arrested, no one was bleeding when it was over, even the women seemed to get along.

    And, a very enjoyable Church candlelight service topped it off.

    I really try to focus on "the reason for the season". And really try to share that attitude with others.

    Let's all have a really, really good New Year.

    Happy Trails
    Larry D Hardin
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    12/29/2008 11:10 AM
    Bob, very good post and I agree with it 100%. Clarity is always an issue on CADO. Everyone needs to ask questions in order to get answers, but those questions need to be well thought out  and understandable. That is a part of this business. Have a Happy and Prosperous New Year.
    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    12/29/2008 1:42 PM
    Yeah,

    What Bob said.
     
    A couple more serious comments, as well.  I wonder if you should consider starting an adjusting company if you are new to the field yourself and are not sure what it takes.  Or perhaps you are thinking you will incorporate yourself, which may make more sense.
     
    Second, this is like any other business and the advice of those who have started businesses may be invaluable.  Your locality almost certainly provides this type of advice free of charge through the Small Business Administration.  They are generally linked to a local university or some other similar organization.  They generally provide a mentor who will help you put together a business plan, figure out how to finance the business, etc.
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    12/30/2008 12:53 AM

    YES !!

    Over 3000 views
    (as of a few minutes ago)
    and most of those during the last 10 stormy days.
    We did it!

     

    All I can say is thank you

    viewers. I knew it wasn't going
    to be easy and you did to, but you stuck 
    with me (viewing that is) through it all. You are all
    a part of this milestone,  lurkers and posters alike. I would
    like to think each of you individually, but unfortunately that is not
    possible so it must be done en masse. You know most threads never reach
    these lofty levels and I will never forget you.
     
    Drink up Shriners

    and Godspeed in the New Year.

     

    snappy 

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    BobH
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    12/30/2008 2:29 PM
    Posted By Guy Snappy on 30 Dec 2008 
    ...You know most threads never reach
    these lofty levels and I will never forget you.
     
    Kinda like everyone slowing down to watch a wreck on the side of the road. 
    Interesting, but doesn't help you get where you want to go.

    I would consider a great thread one that helps us do a better job, like many years ago Chuck Deaton (and others) talking about laser measure devices that are common today.
    After reviewing many files by other adjusters over the past months for hurricane Ike and Gustav, I was amazed that not one of them mentioned use of a moisture probe, or had one in their photos. They are VITAL for daily claims where you are assessing the extent of recent water intrusion, but even with CAT work water can be trapped in an insulated exterior wall for a very, very long time. 

    If you read this thread on
    moisture probes, you will see how a good moisture meter will help you decide if those kitchen cabinets need to be pulled away from that exterior wall or not, how far the water traveled under the hardwood floor, etc.

    http://www.catadjuster.org/Forums/tabid/60/aff/10/aft/8031/afv/Topic/Default.aspx

     
    Another informative thread is this one on scoping fire claims, something we all have to do if you pick up "daily work" between storm events.
    http://www.catadjuster.org/Forums/tabid/60/aff/28/aft/5228/afv/topic/afpgj/6/Default.aspx#5330
     
    and of course http://www.catadjuster.org/forum/tm.asp?m=22062 
    Bob H
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    12/30/2008 4:01 PM

     

    Bob -

     

    I think the best discussion goin'

    on right now is over at

    "Unpleasantly Surprised."

     

    Seems to be getting at the core

    economic problem of cat adjusting.

     

    Cat claims come at unknowable

    times in bunches and have to be

    handled quickly and yet it is

    prohibitively expensive to have

    adjusters on the payroll sitting

    around waiting for them.

     

    Everything after that is compromise.

     

    - snappy

     

     

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