12/10/2008 11:40 PM |
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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 TollModerator & Life Member Senior Member Posts:1865
12/11/2008 12:55 AM |
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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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12/11/2008 5:29 AM |
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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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12/11/2008 10:46 AM |
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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_SummersGuest Posts:18
12/18/2008 3:46 PM |
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Huh?
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12/18/2008 6:11 PM |
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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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MedulusModerator Veteran Member Posts:786
12/18/2008 6:16 PM |
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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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12/18/2008 7:57 PM |
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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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okclarrydVeteran Member Posts:954
12/18/2008 8:55 PM |
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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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12/18/2008 10:15 PM |
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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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12/18/2008 10:18 PM |
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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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HuskerCatVeteran Member Posts:762
12/18/2008 10:24 PM |
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Git it outta here, you'se guyse's...you're killin' me, ya know what I'm talkin bout?
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StormSupportGold Member Member Posts:203
12/19/2008 8:43 AM |
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Who is "the man"?
Do the right thing, ALWAYS ~Meg~
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MedulusModerator Veteran Member Posts:786
12/19/2008 10:29 AM |
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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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12/19/2008 11:41 AM |
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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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12/19/2008 11:45 AM |
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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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sbeau4014Founding Member Member Posts:427
12/19/2008 5:44 PM |
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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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HuskerCatVeteran Member Posts:762
12/19/2008 9:59 PM |
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Unless you's one of da you'se guys...then whatscha problem? Seen the noose lately? Hey!
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12/20/2008 1:06 AM |
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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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12/20/2008 1:53 AM |
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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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sbeau4014Founding Member Member Posts:427
12/20/2008 8:13 AM |
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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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12/20/2008 9:01 AM |
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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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HuskerCatVeteran Member Posts:762
12/20/2008 8:44 PM |
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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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MedulusModerator Veteran Member Posts:786
12/21/2008 4:06 AM |
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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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12/21/2008 9:42 AM |
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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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12/21/2008 10:29 AM |
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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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12/21/2008 11:04 AM |
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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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HuskerCatVeteran Member Posts:762
12/21/2008 1:02 PM |
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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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ChuckDeatonLife Member Senior Member Posts:1110
12/21/2008 7:15 PM |
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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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HuskerCatVeteran Member Posts:762
12/21/2008 8:01 PM |
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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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okclarrydVeteran Member Posts:954
12/21/2008 10:21 PM |
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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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12/22/2008 2:13 AM |
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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 TollModerator & Life Member Senior Member Posts:1865
12/22/2008 8:01 AM |
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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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MedulusModerator Veteran Member Posts:786
12/22/2008 10:31 AM |
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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
"With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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Ray HallSenior Member Posts:2443
12/22/2008 1:22 PM |
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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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12/22/2008 2:18 PM |
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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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StormSupportGold Member Member Posts:203
12/22/2008 6:11 PM |
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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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12/22/2008 6:24 PM |
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????? 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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12/23/2008 1:07 AM |
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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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12/23/2008 6:54 AM |
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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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StormSupportGold Member Member Posts:203
12/23/2008 8:58 AM |
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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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MedulusModerator Veteran Member Posts:786
12/23/2008 12:03 PM |
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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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HuskerCatVeteran Member Posts:762
12/23/2008 9:02 PM |
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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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sbeau4014Founding Member Member Posts:427
12/24/2008 9:25 AM |
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Most Excellent Mike!! Thanks for giving me a good chuckle this morning.
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okclarrydVeteran Member Posts:954
12/25/2008 9:17 AM |
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Merry Christmas, Mike, et al
Larry D Hardin
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12/25/2008 4:49 PM |
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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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HuskerCatVeteran Member Posts:762
12/25/2008 5:36 PM |
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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 |
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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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HuskerCatVeteran Member Posts:762
12/25/2008 8:08 PM |
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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 TollModerator & Life Member Senior Member Posts:1865
12/26/2008 8:52 AM |
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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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MedulusModerator Veteran Member Posts:786
12/27/2008 1:11 AM |
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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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okclarrydVeteran Member Posts:954
12/27/2008 11:22 AM |
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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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okclarrydVeteran Member Posts:954
12/27/2008 11:24 AM |
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By the way, what was the original question?
Larry D Hardin
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HuskerCatVeteran Member Posts:762
12/27/2008 1:11 PM |
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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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MedulusModerator Veteran Member Posts:786
12/27/2008 2:44 PM |
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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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12/27/2008 2:52 PM |
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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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12/28/2008 3:12 AM |
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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 |
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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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StormSupportGold Member Member Posts:203
12/28/2008 1:02 PM |
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Do the right thing, ALWAYS ~Meg~
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BobHVeteran Member Posts:759
12/28/2008 1:13 PM |
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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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StormSupportGold Member Member Posts:203
12/28/2008 4:06 PM |
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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 |
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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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okclarrydVeteran Member Posts:954
12/28/2008 4:15 PM |
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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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Tom TollModerator & Life Member Senior Member Posts:1865
12/29/2008 11:10 AM |
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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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MedulusModerator Veteran Member Posts:786
12/29/2008 1:42 PM |
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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 |
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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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BobHVeteran Member Posts:759
12/30/2008 2:29 PM |
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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 |
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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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