PrevPrev Go to previous topic
NextNext Go to next topic
Last Post 04/05/2009 1:46 AM by  ChuckDeaton
high production tree removal
 8 Replies
Sort:
You are not authorized to post a reply.
Author Messages
72tree
Guest
Guest
Posts:10


--
03/30/2009 8:57 PM
    I'm trying to find out from a cat team adjuster stand point. I'm trying to find out if a adjuster can give out a list of homes that lets say has trees on them for a team to go in and do?we have done this with other insurance compaines. We have crews that work 24hrs a day on removing trees from houses in a cat strom. we have made many independent cat frims look really good witht the speed and quailty of are jobs. If anyone can give me info on this or would like to talk to us about what we can do. email me a jkritko@sprint.blackberry.net . we handle only the large loss claims. The tree removals that noone can do. Thanks for all of your time and look forward to talk with you.
    BobH
    Veteran Member
    Veteran Member
    Posts:759


    --
    03/31/2009 1:08 AM
    Posted By 72tree on 30 Mar 2009 08:57 PM
    I'm trying to find out from a cat team adjuster stand point... 
    There are exceptions to every rule, but typically adjusters do not recommend a specific contractor, and would not provide a list of homeowners.  Remember, only the owner of the property can authorize repairs to begin.  Agents have a different relationship, and it is more of a "service" when the agent shares names of good reputable contractors, or someone with your special skills.  It gets awkward for adjusters to do that dance.  Too easy for conflict of interest allegations.

    Bob H
    Tom Toll
    Moderator & Life Member
    Senior Member
    Senior Member
    Posts:1865


    --
    03/31/2009 9:33 AM
    Bob is correct. You can, however, call a tree service to give you an estimated amount for the tree removal under the covered cause of loss.
    Success is not final, failure is not fatal: it is the courage to continue that counts.
    72tree
    Guest
    Guest
    Posts:10


    --
    03/31/2009 8:43 PM
    we let me reask the question. The decsision is to the home owner. but what im trying to find out is  a list of homeowners that have the problem with trees on there houses. Would the cat adjuster give the list knowing that they could get in and out with a 24 hour production crew. and we would still have to get the approvel from the home qwner just get us in the right direction?
    BobH
    Veteran Member
    Veteran Member
    Posts:759


    --
    03/31/2009 11:32 PM
    Posted By 72tree on 31 Mar 2009 08:43 PM 
    Would the cat adjuster give the list knowing that they could get in and out with a 24 hour production crew...
     We don't really have "lists of houses with trees on them".  Each claim is an individual focus, and the scenario you hope for may be best achieved by working with agents - they get that first call when the loss is called in and have a different relationship.
     
    Personally, I never give out personal info (address, names would qualify).  And I ask the homeowner to select their own contractor. 
     
    Maybe I have 50 claims and am scrambling to make contact and schedule the first weeks inspections.  The homeowner has a single house, single claim, with this big tree sitting on his house.  They will come up with a solution after making some calls out of the phone book and asking around. 
     
    If a homeowner still has trouble finding a contractor, even just for the emergency service of yanking a tree, and I knew of someone who could help them, I will give them the contractor number and have them make the arrangement.  I would not give the homeowner info to the contractor unless the homeowner asked me to.
     
    Think of it this way, adjusters need to make a fair settlement ASAP and allow for reasonable and needed emergency repairs to prevent further damage.   It isn't our job to arrange logistics with contractors, it is writing checks.  
     
    In a catastrophe, contractors commonly hand me (and other adjusters) a stack of business cards and think they are going to get passed around.  You would be surprised where those cards end up.  It's just not our job to find a vendor for the Insured, most adjusters would prefer an "arms length" relation with a contractor selected by the homeowner.


     
    Bob H
    moco
    Member
    Member
    Posts:122


    --
    04/03/2009 11:53 PM
    Posted By BobH on 31 Mar 2009 11:32 PM
     most adjusters would prefer an "arms length" relation with a contractor selected by the homeowner.


     
    Lol Lol amen to that brother Bob, amen.

    BobH
    Veteran Member
    Veteran Member
    Posts:759


    --
    04/04/2009 12:45 AM
    Yep.  Now folks, just so we are clear - I am not talking about "choking" the guy on the other end of your arm or anything like that.
     

    The arm's length principle (ALP) is the condition or the fact that the parties to a transaction are independent and on an equal footing. Such a transaction is known as an "arm's-length transaction". It is used specifically in http://en.wikipedia.org/wiki/Contract_law">contract law to arrange an equitable agreement that will stand up to legal scrutiny, even though the parties may have shared interests (e.g., employer-employee) or are too closely related to be seen as completely independent (e.g., the parties have familial ties).

    A simple example is the sale of http://en.wikipedia.org/wiki/Real_property">real property from parents to children. The parents might wish to sell the property to their children at a price below market value, but such a transaction might later be classified by a court as a gift rather than a bona fide sale, which could have tax and other legal consequences. To avoid such a classification, the parties need to show that the transaction was conducted no differently than it would have been for an arbitrary third party. This can be done, for example, by hiring a disinterested third party such as an appraiser or broker, who can offer a professional opinion that the sale price is appropriate and reflects the true value of the property.
    --------------------------------------------------------------------------------
    This is THE reason why I don't recommend contractors to the Insured (along with one bad experience where the guy I recommended didn't tighten the gas line back on the furnace and almost blew the place up)
     
    The opposite of an "arms length" relationship with a contractor would be a situation where you had received money from that contractor (to write estimates for him, not as a kick-back) which was discussed in this other thread http://www.catadjuster.org/Forums/tabid/60/aff/28/aft/10659/afv/topic/Default.aspx
    Bob H
    Ray Hall
    Senior Member
    Senior Member
    Posts:2443


    --
    04/04/2009 11:05 PM
    Good question? Has merit; BUT we do not trust you tree people. A good example is we have one block of eight houses that face South. Each house bhas a 20 inch pine tree  leaning on the ridge(not broke). How would you charge, Per house, time and equiptment, or the job?  Please try to anwser and you will see the land mines.
    ChuckDeaton
    Life Member
    Senior Member
    Senior Member
    Posts:1110


    --
    04/05/2009 1:46 AM
    One of my favorite stories concerns the 2000 ice storm in Arkansas. While I was at the Risk a licensed plumber was in a hole filled with ice water repairing a broken pipe. Before I left three guys showed up in an old pickup, climbed on the roof and cut several small pine trees off the roof and threw them down in the yard. The insured sent me both bills, the licensed plumber charged $175 and the tree guys charged $600.
    "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
    You are not authorized to post a reply.


    These Forums are dedicated to discussion of Claims Adjusting.

    For the benefit of the community and to protect the integrity of the ecosystem, please observe the following posting guidelines: 
    • No Advertising. 
    • No vendor trolling / poaching. If someone posts about a vendor issue, allow the vendor or others to respond. Any post that looks like trolling / poaching will be removed.
    • No Flaming or Trolling.
    • No Profanity, Racism, or Prejudice.
    • Terms of Use Apply

      Site Moderators have the final word on approving / removing a thread or post or comment.