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Last Post 10/02/2008 11:39 AM by  Tom Toll
MAN WHAT IS THIS INDUSTRY COMING TO?
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Roy Estes
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Posts:155


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09/16/2008 12:07 PM

    Man what is this Industry Coming too?

    Where a person with no experience can go to a persons home, and "ADJUST" damages. I totally respect those who desire getting into this industry, however there definitely needs to be allot more attention paid to training and licensing issuance, I say this in the best interest of all Adjusters fresh and seasoned! 

    I personally attended Vale many years ago, and I have also attended Intense training with 4 carriers thus far. And have worked thousands of claims. I personally think it should be MANDATORY that you ACTUALLY PASS a series of controlled environment test's, instead of paying your 350 or so and getting a license. AND after you pass the test's I think one should attend a MINIMUM of 2 weeks In a "Vale" type class, with the props, and sample estimates, blah blah, AND after that spend a minimum of 2 weeks on the Job training. And then work a probationary period.

    I SAY THIS NOT BECAUSE I DID IT, AND MADE A CAREER, BUT MORE-SO IN THE BEST INTEREST OF ALL INVOLVED.

    The Insurance commissioners, Carriers, Independent firms are all RESPONSIBLE for The insureds. Instead its "IF YOU CAN FOG A MIRROR, AND PAY $350.00 YOU ARE AN ADJUSTER!

    I SAY SHAME ON ALL OF US FOR ALLOWING THIS! Makes an adjuster association seem like a good thing! One way or another I'm going to make that Happen! (Email me if you want in) WATCH ME!

    New Folks take my advice, Go to Vale (Or something similar), Find a Mentor, get a resident license, and then a Non resident license. My suggestions for a lucrative career.

    "Each of us as human beings has a responsibility to reach out to help our brothers and sisters affected by disasters. One day it may be us or our loved ones needing someone to reach out and help." RC ESTES
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    katadj
    Founding Member
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    Posts:256


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    09/16/2008 10:34 PM


    WELL STATED ROY. MOST OF THE OLDER ADJUSTERS HAVE ADVOCATED A NATIONAL ADJUSTER LICENSE FOR THE PAST 10-12 YEARS. THE ISSUE IS THE STATE INSURANCE COMMISSIONER'S WILL NOT GIVE UP THE MINIMAL REVENUE (TEXAS EXCLUDED) DERIVED FROM ADJUSTER LICENSING.

    UNLESS AND UNTIL THE ABSOLUTE CRITERIA FOR ADJUSTING INCLUDES THE TRUE DUTIES, RESPONSIBILITIES, AND ABILITY OF THE ADJUSTER, THE CARRIERS WILL CONTINUE TO PLACE WARM BODIES IN THE FRAY AND THEN PREFORM "CLEAN UP AS NECESSARY". NOT PARTICULARLY TO THE BENEFIT OF THE INSURED WHO IS UNDER A CONTRACT OF INDEMNITY, WHICH IS TO PREVENT THEM FOR FINANCIAL LOSS.

    A CONUNDRUM FOR SURE.
    "Anyone who has never made a mistake has never tried anything new... Albert Einstein"
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    marcos5879
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    10/01/2008 6:54 PM
    Roy,

    Here's the thing. From an outsider looking in, I see two things here that confuse me. On the one hand I see complaints about people getting a 350 licence a ladder and laptop and going to town on a neighborhood. On the other hand I see a tight nit group (seemingly)unwilling to truely help the ones that are serious about starting a career where there is some level of flexibility to the advantage of home life, some travel required, some level of knowledge, some level of luck, and overall a good position if one is able to get through the door and work to be a proffessional at this trade. With limited reading of these forums I say this, so please take that into consideration. There is one thing that drives me up a wall. That is like you are saying, there is no one thing you can do to get into the business justly. There is no curriculum I can find with bonafied credentials that would get me employed after the fact. Located conveniently in many larger cities or colleges. I am finding this to be the hardest career path to get into. Legitamately. But what I find is that there are so many fly by night "adjusters" that I am not taken seriously when I ask, "where do I find the on the job training"."Where do I find a company willing to train someone serious about getting into it". I have been a structural engineering inspector for years and I was in rehabbing and car sales, and I have the aptitude to really make a go at it. But everyone acts like I want to get on a CAT team and strike it rich. I would rather not do CAT unless asked personally, and believe me I know you will not strike it rich. You can make a comfortable living with time, but I would not suppose to go get a grand a day adjusting. I would however like the chance to do something that "appears" to fit my history. I was told by an auto adjuster that they are always looking for good people. I guess I'm not good people. Any way as someone looking to get in, I would agree more than you probably that there needs be a standardized schooling and testing so one can be accepted around the country as viable material for their company. And someone such as myself could say hey I have my adjusting degree who's hirin'. Instead of months of getting someone to answer the question, which Ins. carriers train and how the hell do I get in touch with them.
    That's my 1 1/2 cents, might not make sence, but it cost me about 30cents.
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    swink_d
    Member
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    Posts:96


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    10/01/2008 8:12 PM
    Thats absolutely false or at least I think so

    There is not one Great adjuster that I know that would not take an inexperienced adjuster trainee under their wing. BUT, they are not going to seek one out, nor are they going to invite someone along based on a forum request or even a detailed resume being sent.

    Also the 3 day people do not need help , They need to be walked through from step 1all the way through the finished claim

    I cannot tell you how many hundreds if not thousands of times over the last year, that it has been said find, beg, plead, grovel what ever it takes to convince an experienced adjuster to let you shadow them for a cpl weeks. Trade work for the experience.

    keep in mind
    My mentors taught me 2 different things

    1) How to do claims
    2) how to make money doing claims

    The times I drove to them and tagged along, did data entry,makes calls , toted their ladders, helped measure roofs and tried like crazy to stay out of their way has paid off huge dividends

    also Both sets of mentors I had/ have, would have kicked me to the curb if I wasn't carrying the policy's with me at all times.

    One more thing when I was trained, You couldn't even tote a ladder for an adjuster without a license of your own, If you didn't have a license you couldn't get out of the truck So the license is just the license to get to see a claim or so it used to be.






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    okclarryd
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    Posts:954


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    10/01/2008 8:51 PM

    I can see and agree with both sides of this. (If there really are sides)

    I had a long and arduous training period in my early days.  I was given the opportunity to fail and I did so often.  My employer and mentor would help me up, dust me off, tell me how to do it correctly and then step back.  I had lots of opportunities to fail.  The lessons I learned this way have stayed with me a long, long time.

    That was then and this is now.  The companies, whether carriers or independent adjusting firms, are not forgiving and are not interested in the slow, long learning curves.  Run 'em through a couple of classes, let 'em read policies for two or three days, hand 'em the keys and away they go.

    The focus now is on correction, not learning.  The focus is on micro-management, not allowing adjusters to adjust with each adjuster having his or her own methods and abilities.  The end result, a properly adjusted and closed claim is not the objective any more.  It has to be properly manipulated, digitized, submitted, spell checked, folded, spindled and otherwise massaged so it looks just exactly like the other thousands stored on a server somewhere.

    I'm not real sure that's what I pay my premium for.  There has to be leeway for the adjuster to adjust, to allow for the variances that occur in life, construction, lifestyles, and all the other variables that we deal with on a daily basis.  I am forming the opinion that the last area of "adjusting" is in the commercial venue.  Usually, commercial adjusters are allowed to utilize their intelligence, experience, education, social skills, and any other tricks up their sleeves to properly address and adjust claims.

    I think I'm gonna go complete that application to be a greeter at Walmart now.

    Y'all have a good day

    Larry D Hardin
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    HuskerCat
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    10/01/2008 9:50 PM

    Lotta truth there Larry......is that why that desk caught fire?  Inside is certainly different than in the field huh?  I had the same problem with some of those concepts back in 05-06 inside, but learned to accept "it is what it is".......and since then in some places it maybe has become more of what "it is going to be, is what it's going to be".   But if you walk in knowing that, and are willing to follow the rules....all is fine and the pay is the same.  There are no bonuses for trying to prove your point and know better than those that laid out the guidelines...just a 1 way ticket home.    

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    kmerian
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    10/02/2008 9:52 AM
    I can see both sides here as well. But the solution may be quite simple. We all agree that the adjusters exam only proves you know how to read an insurance policy. Well, before I was an adjuster, I was an EMT. In Texas, EMT's not only have to pass a written exam, but a skills exam as well. Perhaps that is what we need here as well, take and pass your written exam? Great, now, show us on this roof the difference between hail damage and nail pops. Look at this drywall, and tell us if the water damage is sudden and accidental or an ongoing leak? etc..

    I, for one, got my start in this business by going to work for a major carrier FIRST.
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    Tom Toll
    Moderator & Life Member
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    Posts:1865


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    10/02/2008 11:39 AM

    Kennith, many of us ol timers received our training first through a national carrier. I learned my basic skills through Farm Bureau back in the early 60's, (yep, I have been around a long time). They were very diligent in their training, first sending me to Farm Bureau Tech, Kennedy School of Arson Investigating and numerous other schools, inclusive of Law School. Times have changed and so we must change with them. It is difficult to get into a carrier positiion without a college degree. My degree was in music with a minor in psychology, music being totally unrelated to adjusting, never the less, a degree. I cannot repeat enough times the necessity of proper training, and schooling.

    Cat adjusting is another animal all together. This allows some vendors to have a three day school, teaching only the basic concepts of adjusting and then sending you out to get eaten alive by carriers, policy holders, and public adjusters. Not my idea of a good way to learn. If one wishes to get into this business and be knowledgable of this trade, then one should get the appropriate training prior to getting on a vendors list. There are schools out there that are excellent in their ability to teach, the best being, (in my opinion) Vale Tech. The second best way to learn is to be with an experienced adjuster that actyally knows how to adjust. I say knows how to adjust because I have run into many seasoned adjusters that lack skills to be a good and viable adjuster, sad, but true. If your new to this business, buckle up and hunt for an experienced adjuster, ride with him, (of course you need a license first), and learn as much as you can from him. Don't expect to be paid much, as our pay seems to decrease each year. Where else can you get an education and receive pay for doing so. Work hard, keep your mouth shut, listen to what the adjuster is saying and certainly, watch his every move. If your diligent in your efforts to learn and help that adjuster, he may take you under his wing and really teach you how to be an adjuster. Nothing in life is free and forget the concept that adjusters make tons of money. It doesn't happen. After gaining experience and self teaching yourself, you can make a decent living, although it is a tough life being on the road constantly. All of you beginning adjusters hang in there and do your best to service the policy holder to the best of your ability and never forget to ask questions if you don't have the answer yourself.

    Janice, my lovely wife, learned her skills from me and several other general adjusters, learned policy by reading and reading the policies and has become an excellent adjuster because of her determination and desire to be the best. This can be accomplished by anyone if they have the desire and proper attitude.

    Success is not final, failure is not fatal: it is the courage to continue that counts.
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