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Last Post 04/08/2008 10:20 PM by  katadj
Attention Xactimate Users
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claimhelper
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03/26/2008 3:12 PM

    Hello to all of you hard working people I am a seasoned adjuster taking a hiatus to raise my beautiful children. I would like to provide a service to all of you out there staring at a "pile" of files. I am proficient in Xactimate and am working on setting up a system to be able to "write up " your files for you for a fee (TBD). I have 13 years experience traveling working CATS across the nation. My husband and I worked as a team on wind/hail, hurricane, large loss etc... we have worked for all big carriers. We have all certifications. We miss the life, but 3 little kids makes it hard to travel. If you are at all interested or know someone that could benefit please email me at Gretchrs@aol.com. I know how it feels to be inundated with files after a 12 hour workday I would love to be able to ease the stress. Email me and we can work out the details. Thank you

    Claimhelper
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    Doug
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    03/26/2008 5:28 PM
    That is an admirable business goal, but wouldn't the time saved by not having to write the estimate be offset by the additional amount of time needed from the adjuster to write a scope sheet and label the photos clearly enough for another to write the estimate from a remote location? With my carrier's photo requirements (avg. of 40 per claim), it often takes more time to label the photos than to write the estimate, which is usually an anticlimactic 5 minutes or so if my macros are set right.
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    claimhelper
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    03/26/2008 6:05 PM

    There is definite truth to that It seems as if you have much experience under your belt, it usually takes many claims or storms to be able to simplify the claim writing process. I know a great many that have been put on a storm and with overcoming the "learning process" comes much stress and lack of sleep.  I am simply offering my experience to those who want to spend their time out in the field mastering the inspection process, instead of  sitting in a hotel or RV stressing over the claims they need to write up.

    Claimhelper
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    Doug
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    03/26/2008 6:13 PM

    You have a point --- if you are a newer adjuster (or just new to xactimate) and running 10 hail assignments per day with a close rate of 5 per night, by the end of one week, you can be as much as 35 files behind (or worse).     If that goes on for a month, panic mode can set in. 

    But hopefully, most storm managers won't do that to newer personnell, but i have seen it in the wake of the hurricanes ("here you go, here's 150 claims -- good luck" )

    The individual storm managers might frown on this practice, but i guess it would not be much different from an adjuster having his/her wife or husband write their estimate after they have scoped the loss.

    For me, the thing that takes the most time (besides photo labelling) is writing a detailed activity log   ----- but i do remember what its like to be new and taking 2 hours to write a relatively simple roof claim that now takes 15 minutes, including the diagram.

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    JIMMYSIMPS
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    03/27/2008 12:08 AM
    I know that during Katrina it sure helped to have someone writing for me so that I could inspect more. There is never a way to "farm out" the logs, obviously, or the picture posting but if you are not familiar with the ins and outs of Xactimate you will get behind quickly. These days it's about balancing quality of service with volume of claims. I think there are many out there that will recognize the value. Let me know your thoughts out there!!!
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    Ray Hall
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    03/27/2008 1:16 AM

    I think the Simpsons are on to something that is a service that can earn them a good living. Most good digital camera have sound and the inspector could give the directions and what he was looking at and this could be worked out by email. People who examine files by E  usually expect about $100.00 per hour which is about 6.67 files per hour for vanilla files. Software ware is around to recognize speech and this could be used for scope notes and logs. Keep working on the fine tuning and YOU will have a good product and will be able to stay home abd raise your children properly. Good luck and I will be one of your test subjects. I will need someone like you two if a monster hits the Houston area.

    I think the key is the cost per file will have be in the $100.00 per hour range and as discussed the log and photos will be the big item. The good recorders have room for lots of seperate files and the adjuster will have to make the notes as they come in  by having a ready source to find the correct file, unless the logs are transcribed each day into the correct file.... this is a good post lets keep brain storming.

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    claimhelper
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    03/27/2008 1:14 PM
    Thank you for the post Ray I will be working with some people to iron out alll the kinks. I know the photo labeling is a nightmare I would love to be able to help with that as well. I might try to do a per claim charge so the adjuster knows exactly what to expect. Good idea on the voice dictation if it worked out right the photos could be emailed with the dictation. the scope could be scanned and sent by an aircard through email out in the field. If it worked right the adjuster could go to his next inspection and expect the claim emailed back by the end of the day with labeled photos and a beautiful estimate The charge per claim would maybe be graduated based on size of loss and number of photos etc. I would try to put together a billing sheet so there were no surprises. Maybe even set up some sort of paypal account or something. Let me know your thoughts ! A lot of times if the scope is detailed I can decipher the photos!
    Claimhelper
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    Ray Hall
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    03/27/2008 6:08 PM

    I would hope some other adjusters would chirp up on this topic. Gretchin is headed in the right direction. The key will be a turn key operation for all the componants of the file. My $75.00 recorder has A,B.C.D. and about 18 recordings under each alpha. If you put 7 alpha,s under A, B and so forth you could put all your log on one recorder. When you got a call from MR.AAAB you would do the log note under A1 and MR. Gaas would be underD 1 and so forth. You would have to keep your cheat sheet near your phone and do this each time and when the file is closed the log can be retreived by the file number and the software would write the log as its trained to your voice. The same with the photos using a voice camera.

    The condo and high rise building adjusters would be your best customers as you would be dealing with the same scopes most of the time. I can see an entire floor of a hotel with the same scope on building and contents.

    Adjusters are very greedy (just look at the Vendors) and they will not split their income with you. But many are probably scuffling around as I am posting this to find a person in their home town for $100.00 per hour 10 hours per day. They will work out the kinks and then make this poor sole who is making a small fortune for them and the most money they have ever seen in a short time. But they will find out how long it takes to do the work and take the attitude of all good adjusters. "TO HELL WITH THE MULES KEEP LOADING THE WAGON" and fire the $100.00 per hour person and retrain one for $50.00 per hour and so forth. I would get at least $1,000 deposit on Pay Pal to show good intent. I would get paid daily until trust is established.

    Now come on the rest of you guys its time to give back for your good fortune.... this will work.... just like FICUS TREE.

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    okclarryd
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    03/27/2008 7:33 PM
    If I may..............

    The scoping adjuster should provide lots and lots of photos. Many more than will be billed for. They can easily be sent via email if the scoping adjuster will "dumb down" his multi-focus, 47 quadzillion megapixel, strobe enhanced, lazer aimed, tripod mounted,led illuminated digital camera.
    Larry D Hardin
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    LarryW
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    03/27/2008 7:39 PM

    No Larry, you may not use your old polaroid camera.

    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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    03/27/2008 7:49 PM
    Where's the love???
    Larry D Hardin
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    nemiah
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    04/05/2008 11:59 PM
    Any advice for the new adjuster, just getting started? My partner and I have been hearing alot about the recent storms that have hit across the US in the last few months, how do we tap into that market? Thanks in advance for the advice. JulieJohnson1@bellsouth.net - all comments welcome.
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    Ray Hall
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    04/06/2008 3:48 PM

    Julie it works like this. All adjuster with over 5 years experience are called out first, then 4, then3. then 2, then 1. It seems several thousand are ahead of you but keep sending out you qualifications and when a monster hits they  may get to you. Their really has not been a need for new people with just a license since November of 2005.   Try FEMA vendors PARR, and Wackenhutch.

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    Tom Toll
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    04/06/2008 4:03 PM

    Julie, Ray Hall is absolutely correct. It would be hard for a new adjuster to get calls for the small cats that we have had in the past months. When a large cat hits, then you may be called. You do need to send your resume to all Vendors with a copy of your licenses and qualification/ education to this point. Claims have been slow over the past two and a half years.

    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    Ray Hall
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    04/06/2008 8:41 PM

    I was trying to make her feel better after spending about $1,000 to get a license that she does not need or may never need. Its possible the next school you will have to attend and be proficent in is spanish. I was flabbergasted this week when the insured told me on the phone that he wanted a spanish speaking adjuster come out to his house to look at the damage done by the burglars. I explained to his daughter who understood english that I did not have the contents assignment, only the building and I could do this in my native language. About 2 hours after I left the agent called me, upset about my inspection and wantintg to know why I did not comply with the insureds wishes. I explained the carrier was pleased with my report and had been for many years.

    Seems I will just have to work through this problem like I have other bumps in the road in future years.

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    JimGary
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    04/07/2008 1:57 PM

    Ray, I do work for an insurer who has a large hispanic client base. I do not speak spanish and have yet to find that magical self study course that can teach me. But what I did was compile some specific phrases and possible answers that I can use. The first being "I speak very little spanish". That list has helped me muttle through some claims where english was not the primary language. Unfortunatley I do not have a cheat sheet for Vietnamese or Czech, but maybe someday.

    freetranslation.com helped in making the cheatsheet.

    JWG

    I know the voices aren't real, but sometimes they're right!
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    BobH
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    04/07/2008 5:52 PM
    I do not speak spanish... But what I did was compile some specific phrases and possible answers that I can use.
    Yeah, I know just enough Spanish to get into trouble - but find that simply attempting to speak in their language solves the problems. They see you are trying, and can stumble along between what they (or their bi-lingual kids) know in English and what I know in Spanish.

    Half the time, you bumble along in Spanish, and at the end of the inspection the homeowner starts to speak sort of fluent English - yet they started out with a language barrier. I think it is a respect thing. They see that you aren't shutting them out for having a foreign language and that you are trying.
    Bob H
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    katadj
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    04/07/2008 7:51 PM

    Have to agree with Bob. In Andrew, the English language seemed to disappear, along with all the English speaking Latino population.

    After several difficult claims i leaned the phrase " Non Aqua en Casa" (No water in the house). From that point forward whenever the phrase was used, the entire populace of the residences spoke to me in excellent and understandable English, pointing out where i had missed the spots, (LOL).

    Sometimes we just gotta do what we gotta do.

    "Anyone who has never made a mistake has never tried anything new... Albert Einstein"
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    BobH
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    04/07/2008 8:23 PM
    Yep. When I stumble along in "sort of Spanish" the attitude changes to one of "pity" for the adjuster who can't speak well. Then the Spanish speaking person participates more in the process of communication.

    My most commonly used cheatsheat words are "understand" (entiendo) and "word" (palabra).

    With that, I can tell them that I understand (entiendo) or after they rattle off something that sounds like a machine gun of mystery, I can say that I didn't understand all of the words. And then we sort it out.
    Bob H
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    rbryanhines
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    04/07/2008 9:31 PM
    wow - 40 photos per avg claim
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