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Last Post 07/07/2012 11:05 PM by  ChuckDeaton
Reciprocity
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chadecoen
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06/22/2012 12:13 PM

    I realize I may be rehashing some common knowledge to experienced claims professionals but to knew doods like me I think sum clarification is in order especially as it pertains to auto adjusters. Just kidding with the spelling. I may not know how to work claims yet but I hope to not make any one's head hurt too bad from reading my posts.

    I have read quite a bit in various places about getting your home state license, if required, first and then applying to other states you think you may need/want to work in. And in an emergency situation you may not even need a license for the state that declared the emergency, right?

    This is all well and good for property and auto adjusters working major events but what about auto guys that want to work smaller events. Am I correct in thinking that we often times will not have the luxury (if you can call it that) of working in other states under a declared emergency? No emergency means I can't work there with out that particular states license, right? I mean, they don't often declare a state of emergency for a little hail damage, right? But on the other hand that little hail storm might provide a few weeks work if I am licensed in that state. This also assumes, and we all know what happens when we assume, that auto guys are mainly looking at work from hail and flood events, events that aren't always on a large enough scale to be called an emergency. Or am I missing something?

    So all that being said, I guess my main question would be what states would you procure licenses from looking for the best bang for the buck for an auto adjuster? I know no one has a crystal ball and storms are somewhat elusive and all but where do y'all recommend? Even though they make it pretty easy to get multiple licenses once you get your home license it can get quite expensive getting licensed in multiple places. If the idea is to be a deploy-able as possible in as many places as possible, I am already late. June is halfway over and I only hold a license in one state. 

    Oh yeah, one more question, with Texas having 40K+/- licensed adjusters already, is it even worth getting a Texas license for auto claims? Seems like they might have it covered?

    Thanks for listening to my rambling.

    Chad

    Tags: Licensing
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    claims_ray
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    06/23/2012 8:12 AM
    You do not need a license to adjust auto claims in texas.
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    chadecoen
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    06/23/2012 12:21 PM
    Thanks Ray. Duh, should have read that somewhere. Oh well, sucks being the new guy but now I know. Hmm, maybe I am a little more deployable with only one state license than I thought. Good info, thanks, really.

    Chad
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    CatAdjusterX
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    07/07/2012 9:21 PM
    Posted By Chad on 23 Jun 2012 12:21 PM
    Thanks Ray. Duh, should have read that somewhere. Oh well, sucks being the new guy but now I know. Hmm, maybe I am a little more deployable with only one state license than I thought. Good info, thanks, really.

    Chad

    ...........................

    Hi Chad,

    you must understand that in regard to emergency adjuster's licenses, whilst of course a state of emegency must be declared, you as an individual CANNOT get an emergency adjuster's license on your own accord.

    Either a carrier or an independent adjusting firm MUST apply for the emergency license on your behalf. They are not available to the individual adjuster themselves.

    In regard to having but one state license being Texas, there are many schools of thought on the matter and not one of those thoughts are wrong.

    Some think having dozens of licenses are a waste of effort and money and some don't. I believe that I fall somewhere in the middle of that thinking. There are some that have found work simply from being licensed in off the beaten path states (IE New Mexico)

    What has worked for me over the years (I have been extremely fortunate and let's face it, extremely LUCKY to have worked steadily over right at 9 years (sans a one year period from October of 2009 through September of 2010 when I didn't stick the landing on a dismount from a ladder (LOL) ) is being licensed as a resident adjuster in my home state of Oregon and then holding NON-resident adjuster's licenses through reciprocity in the states of:

                                                 Texas/Louisiana/Mississippi/Alabama/Florida

    I have these states as they comprise the Gulf Coast and historically these states have borne the brundt of severe weather events (IE CAT's)This has worked for me. Of course hurricanes (specifically) can and have struck the US all the way up the Eastern Atlantic Seaboard from Georgia/South/North Carolina all the way up to Connecticut. 

    I hope this will help answering atleast part of your question.

     

    "A good leader leads..... ..... but a great leader is followed !!" CatAdjusterX@gmail.com
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    ChuckDeaton
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    07/07/2012 11:05 PM
    Most Cat Adjusters do not "adjust" automobile claims. Generally speaking, the work generated by catastrophes entails appraising the extent of physical damage to an automobile. Some state require automobile damage appraisers to be licensed and most do not. Arkansas does not require a license and it seems to me that Illinois does.
    "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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