Adjuster Estimates

Tags - Popular | FAQ  

PrevPrev Go to previous topic
NextNext Go to next topic
Last Post 01/08/2009 10:55 AM by  Tom Toll
Inside Truth About Adjusters, GCs and Attorneys with Respect to Claim Settlement
 17 Replies
Sort:
You are not authorized to post a reply.
Author Messages
Catsvstrained
Member
Member
Posts:62


--
12/31/2008 10:18 AM

    I have been seeing a great deal of post-Ike flap between the three catagories of adjusters, GCs and Attorneys as to who is the most capable of delivering services that produce the most accurate and complete form of claim settlement from the Insurance Carriers. Thought it was time that I spoke up for the true professionals that walk amongst us yet are all too often thrown into the same catagory as those who are licenced with little or no experience.

     

    The biggest problem with the general public’s perception of any claims adjuster (as well as with most other profession other than their own) is the all too human tendency to oversimplify and stereotype career roles into a nice and neat square package of information. The average brain (mine included) has a finite amount of storage space with little tolerance for the jagged truth which we all know is neither easily digested or stored amongst the  tight stacks of information kept within our collective understanding of how the world works.

     

    AN INSIDERS DEFINITION OF THE THREE TYPES OF CLAIMS ADJUSTERS

    Staff Adjuster:  Hired as a full time “in house” claims representative by individual insurance carriers to settle claims in a fair and efficient manner.

    Independent adjuster:  Hired as a temporary claims representative by individual insurance carriers to settle the claims that their own staff adjusters cannot complete / do not have the time for. The emphasis here is the fair settlement of the overflow of incoming claims that usually results from catastrophic events. Efficiency is not as important as correctness of claim settlement primarily because income is based on volume of work completed and additional independents can always be acquired as needed to meet  Dept. of Insurance timelines for claim settlement.

    Public Adjuster:   Free lance claims adjuster for hire by the general public to provide fair claim settlement representation. Has a distinct advantage of both time and information (Several years to conclude all claim settlement activity) as well as the insurance carriers written estimate as a general guide to either expand upon or pick apart.

     

    Truth be told, there are fewer differences between these three categories of adjusters than there are within and amongst the individual categories themselves.

    All of these types of adjusters compete within the same venue: Inside the theatre of accidental direct physical damage as it applies to the insuring contract that was written for the property in question. i.e  no one, adjuster or otherwise, has the power to (with few exceptions) deviate from the insuring contract that was written by the insuring company within the governing framework set forth by the DOI and then agreed to by the policyholder.

    All adjusters want basically the same thing: The accurate settlement of claims that close, go away and never re-open( i.e. we all want closure so we can get paid and move onto the next assignment).

    The “law of the jungle” (claims industry) is really quite simple: Those who provide the most complete collection of fact as it applies to the conditions of the insuring agreement and then carried through to completed repairs will always be the most accurate (with respect to the DOI’s criteria for fair claims settlement).

     There is no true equality amongst adjusters with respect to their abilities just as there is no true equality amongst people who call themselves athletes.  Anyone w/ a pair of tennis shoes can call themselves an athlete just as anyone with a forty hour class can call themselves an adjuster. The true test of professionalism will always be defined by ability as well as the understanding of how the game is played.

    EXAMPLE:

    If you were forced to bet thousands, may be even tens of thousands of dollars, (you know, kind of like the same stakes as you would most likely have in your own insurance claim) who would you choose for representation in the following challenges:

     

    THE CHALLENGE                                                           YOUR CHOICES FOR REPRESENTATION

    A Game of Monopoly                                                          A Mail Clerk, A Kindergarten Teacher, A South

                                                                                                    American Indian, OR  A Real Estate Investor.

     

    A Game of Golf                                                                              O. J. Simson  OR  Tiger Woods

     

    An Auto Race                                                                               Rodney King   OR  Jimmy Johnson

     

    Hopefully this example illustrates my point by listing three different types of events that (unlike the claims process) most people within this country would be fairly familiar with. The public in general is not aware of this “no true equality” fact because insurance claim settlement (though still is and always will be very much a game with its own set rules) is not a televised sport.  Please understand that even the insurance industry (be it staff, independent or public) has a wide spectrum of talents from the  Koby Bryants, all the way down to the kid that nobody wanted on their kickball team back in third grade.

     

    There are without exceptions tricks to every trade: 

    Let’s use Michael Jordan (the now retired basketball player) for our next example. I believe that everyone would agree that Michael was a very gifted athlete with an extremely deep understanding of how the game of basketball is played. He did not simply know the rules of the game as they were printed in black in white. He knew the origin of the rules, he knew the spirit of the rules, he knew how the rules would be applied, he knew how far he could push before the rules would be applied and knew how to take full advantage of what was not in the rules.  I could elaborate on the depth of his game for days however, will  sum up this point by stating that his bag of tricks / understanding and abilities, was simply larger than that of his opponents. Don’t for a second believe that the same does not hold true for a good claims adjuster!

     

    Choosing An Adjuster:

    Requesting a seasoned and talented staff or independent adjuster to handle your claim is always a wise move yet for the most part will produce little more than a “luck of the draw” effort by any insurance carrier.  Staff turnover and  industry growth alone keeps carriers in a perpetual state of hiring new adjusters to complete the claims that their seasoned  workforce simply cannot get to (i.e . fifteen to twenty-five percent of their workforce cannot keep up with one hundred percent of all incoming claims.)  Some insurance carriers will allow for a second inspection with a different adjuster however, such action does not guarantee that the second adjuster will be any more seasoned than the first.

    Requesting a seasoned and talented public adjuster to represent your claim settlement interest should ultimately produce more favorable results. After all, experience is essentially the product that their industry markets and if they cannot deliver that then what would be the point of hiring them. This is not to say that the public adjusting industry does not have their share of complete amateurs within their ranks.  If the public adjusting company possesses some depth and diversity amongst their personnel, then they may (and in all honesty should) incorporate a workflow that funnels past the more experienced members of their team before any requests are made to the insurance carrier for payment.

     

    Options For Resolving Dispute With Your Insurance Carrier:

    1.       Ask your insurance carrier to revisit and revise your claim settlement. The chances that your estimate contains an error is one hundred percent because there is no such thing as a flawless settlement. Claim settlement is a very complicated mixture of observation, interpretation and opinion that all takes place amongst the unpredictably fluid market of the repair industry AND all of this is calculated by live and very human entity that is without question capable of making mistakes.  This in a nutshell is why your claim payment was based on a document referred to as an “estimate”.  Just remember that you too are prone to error and will be expected to live by “the law of the jungle” ( i.e. those who are the most accurate are the most correct) if the mistake / oversight you are attempting to resolve is not seen as such by your insurance carrier.

     

    2.       Turn your claim estimate over to a general contractor or tradesperson and ask them to help you resolve your differences with your insurance carrier. Many people within the repair industry are quite skilled at getting all the monetary reimbursement that they need for the work that they complete however, be cautious. Never sign a contract that specifies dollar amounts that exceeds your insurance carriers estimated amounts for the work in question. Remember, first things first so make sure your repair company has come to an agreed amount with your carrier to restore the damaged property prior to committing to those figures. Some repair companies will ask you to sign a “subject to” contract stating that if they can come to agreement with your carrier on repair amounts, then you will agree to allow them to complete the repairs based on those amounts. Keep in mind that while repair companies are fairly good at looking after their own interests (i.e. the ones that they have in common with you), they are quite capable of falling way short (sometimes for legal reasons) of help with all of your claim related interests. Some companies may tout that they employ licensed adjusters to assist with your claim however, let me remind you once again that both Rodney King and Jimmy Johnson have (or at least had) a drivers license yet only one of them can be considered a professional driver.

     

    3.       Hire a public adjuster to assist you with finding all of your claim interests. A good public adjuster will almost certainly be able to find additional settlement dollars, even for items that you never believed that you had coverage for.  Public adjusters are typically reimbursed for their assistance based on ten percent of the final estimate amounts on a contingency basis (i.e. no payment will be required if claim supplement does not exceed ten percent of original settlement amount).  The ten percent payment may seem like a lot to share however, keep in mind that it is not uncommon for a good PA to get an insurance carrier to double or triple their original settlement offer.  The decision should be easy for those who were denied any claim settlement or provided an estimate amount that was less than that of their deductible, this group of people have nothing to lose by hiring a PA.  

     

    4.       Hire an attorney to address your disputed claim settlement issues. It is a well known fact that attorneys are quite clever when it comes to getting money from insurance carriers. HOWEVER, here are a few things that you should consider prior to traveling this road:

     

    ·         Legal action can be very costly (almost certainly more than ten percent of your settlement outcome) and should never be your first line of recourse for resolving any dispute.  Financial gain for your attorney does not necessarily translate into your own financial gain. Even if you are successful by receiving a larger claim payment, your bottom line may be adversely affected by time away from work and a damaged relationship with your insurance carrier.

    ·         Attorneys do not hold a monopoly of understanding on the subject of insurance policies. They are however a rather intelligent breed who combat this information deficit by employing those (i.e. public adjusters) who are versed in the etiquette of fair claims play to complete most of the leg and brainwork for them. Attorneys who employ talented adjusters produce case files supported by a factual breakdown of the scope of the damage occurrence. Attorneys who employ those with little more than an adjusters license produce trumped up dollar figures that are unsubstantiated by market conditions and ignore the overall scope of the loss.

    ·         Attorneys are quite intimidating. As a former staff adjuster I have seen many a circumstance where the mere threat of legal action has prompted claims management to authorize payment for items that are well outside the realm of coverage provided for under the insuring agreement. Such behavior falls into the category of damage control because it averts costly legal expenditures and possibly even prevents their customer from moving to another carrier. Threats aside, attorneys are still held accountable for the “laws of the jungle” in order to justify the additional claim settlement they are asking for.

     

    Suggestions on How To Locate Talent Amidst the Sea of Those Who Are Offering Their Assistance

    I’m sure there are several ways to go about locating suitable representation for your claims interest. My suggestion falls along the lines of a “voir dire” of sorts to determine the credibility of those who are competing for your attention.  Please understand that very few (if any) adjusters have taken the time to commit all forms of the homeowner’s policy to memory. However, the questions that I have listed here should fall into the category of common knowledge for anyone who has adjusted a hundred plus claims.

     

    As per the standard (and by far the most common form of) Homeowners Policy:

    1.       Explain how a policy deductible can be absorbed by the insurance carrier. Answer: Homeowners policy deductibles can be absorbed (in whole or part) when loss exceeds any limit of liability.

     

    2.       List three perils that trees, shrubs, plants and lawns are covered for and two perils that they are not covered for. Answer:  Covered perils only include fire, lightning, explosion, aircraft, vehicles not owned or operated by resident of the residence premises, vandalism, riot and theft. Both windstorm and hail are examples of non-covered perils.

     

    3.       Arbitration and appraisal are two different processes employed by the insurance industry to improve the practice of fair claim settlement. Provide a brief description of each and explain which of the two is specifically provided for under the standard homeowners policy. Answer: Arbitration is employed primarily to establish whether or not damage has actually occurred while appraisal is used to establish the cost of repairing / replacing damaged property. Only Appraisal is guaranteed / provided for within the standard homeowners policy.

     

    4.       Dwelling extensions (i.e. fences, decks and outbuildings) w/o endorsement are covered up to what percentage of the primary dwellings limit of liability. Answer: Ten percent.

     

    CatSvs Trained
    0
    BobH
    Veteran Member
    Veteran Member
    Posts:759


    --
    12/31/2008 12:51 PM
    Posted By Kevin Kramer on 31 Dec 2008 

    ...I’m sure there are several ways to go about locating suitable representation for your claims interest. My suggestion falls along the lines of a “voir dire” of sorts to determine the credibility of those who are competing for your attention.   

    Hi Kevin, I had 2 questions after reading your post:
    1.) I forgot what "voir dire" means, I have looked it up in the past but forgot. This may save others the time to look it up:
      A legal phrase meaning "to speak the truth." Voir dire is the preliminary examination of prospective jurors by a judge or lawyer to decide whether that person can serve on a particular jury.
     
    2.) Your post is like a news article - so I was wondering about the intent, if it was a consumer advocate kind of thing.  If the author was a working adjuster, or on the consumer PA side.
     
    If anyone else wondered, let me assure you Kevin is "one of us" and an experienced adjuster. I realized you are the guy who wrote the OTJ Catastrophe training manual that is promoted on this site, and Claims Mentor.  I searched around and bumped into a really good article Deb wrote on Claims Mentor that has your info in the middle of the page (click the link).  I was working alongside someone in past months who did your rope & harness training and spoke highly of your instruction.
     
    Your first point on absorbing the deductible really hit home to me.  It is such a basic, and so often overlooked.  Working clean-up I have often seen "500 debris removal" on the estimate, you see a huge debris removal invoice for cost incurred after "chop and drop" & getting the tree off the house.  The cost beyond getting the tree off the house that is subject to the 500 limit doesn't get applied to the deductible, and we have some very large deductibles when 2% of the limit is applied for hurricane in some policies. 

    That is a basic concept that should apply to daily claims when a jewelry loss exceeds a special limit, etc, it is a basic concept of insurance that has been reviewed by the courts, and FC&S bulletins yet it can often be overlooked.

    Bob H
    0
    Medulus
    Moderator
    Veteran Member
    Veteran Member
    Posts:786


    --
    12/31/2008 3:37 PM
    Bravo, Kevin!

    Thank you for the time, effort, and knowledge that went into your post.
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
    0
    Ray Hall
    Senior Member
    Senior Member
    Posts:2443


    --
    12/31/2008 6:40 PM
    I will chirp up on two things that Kevin mentioned. I do not think the standard HO-3 has an arbitration clause. I think this would be a good point for the judge to start on many unfair claims practice claims. I have found as an adjuster, appraiser, umpire that the amount of the dispute has to exceed about $50,000 at least to make the appraisal clause wothwhile money wise. I think the carriers should rewrite the clause to determine coverage, scope and amount.Thousands of cases would go this way instead of a full trial. The savings in time and money to both would be in the zillions.

    I still work a lot of liability calims and have found many states now will not allow as special damages, something that collateral sources has paid for(including any insurance). Joint and several liability has changed many cases in the last 5 years. More insurors are are not rolling over when a lowyer becomes involved. Most homeoffice people take over a file when suite is filed and contral the expenses for defense much better.
    0
    BobH
    Veteran Member
    Veteran Member
    Posts:759


    --
    12/31/2008 8:12 PM
    Posted By Ray Hall on 31 Dec 2008 
    ... I do not think the standard HO-3 has an arbitration clause. 
    Kevin said "Only Appraisal is guaranteed / provided for within the standard homeowners policy".

    Arbitration rules vary by State, because not all states allow Arbitration.  Very large companies who write their own policies patterned after the HO-3 will have "state specific" versions, or endorsements for that region. 

    Bob H
    0
    Ray Hall
    Senior Member
    Senior Member
    Posts:2443


    --
    12/31/2008 11:23 PM
    I can not think the American Bar Assoc. would  not fight in all 50 states to keep the apparaisal clause in its present form, never broader to address scope and non attorneys to ever rule on very common coverage questions.
    0
    Catsvstrained
    Member
    Member
    Posts:62


    --
    01/04/2009 10:02 AM

    Thank you for your time reading my article as well as for your feedback. I can always count on CADO forum for assistance on improving accuracy as well as a myriad of fresh perspective.

     

    Yes Bob, I wrote this article as a “Consumer Advocate” piece and have posted it on several insurance consumer related sites.

    I am a working Independent Adjuster just coming off of my busiest storm year ever (11mos w/o a break). I feel that the information that I write about is of greater validity when I keep at least one hand on the pulse of the industry.

    This is my attempt to improve public perception with insight on both the gifts and limitations of the industry as it is played out every day on the field of our careers.  I believe that more recognition is owed to the talented infrastructure of our industry and would like to provide the general public with more resources for finding and demanding it.  

    Please feel free to share your thoughts on how to empower policyholders to locate talented assistance for their claims.

    CatSvs Trained
    0
    RandyC
    Member
    Member
    Posts:197


    --
    01/04/2009 11:29 PM
    My thoughts on empowerment are quite simple. I'd just advise the insured to read his policy. Second to that, it might serve them well to read all contracts before they sign their name.

    People bought houses they couldn't afford, with interest rates they didn't understand, because they read hardly a word of the paper after paper they signed at closing. Do we or do we not routinely scroll through EULA's and click happily and cluelessly away. Who knows and who cares to what we obligate ourselves. If we don't like it, we just renege!

    Our lawmakers signed bills they never read and gave billions of dollars away without oversight. Now the same people are offering further assistance to the tune of a trillion dollars.

    One super talent comes to mind by the name of Madoff. All of his investors now have an army of talented lawyers and advisers...but it is too late.

    My Dad used to say, "If you want it done right, do it yourself." I think it is time for America to read what they sign, and "Know before they go!"

    0
    StormSupport
    Gold Member
    Member
    Member
    Posts:203


    --
    01/06/2009 4:10 PM

    Posted By Randy Cox on 04 Jan 2009 11:29 PM
    My thoughts on empowerment are quite simple. I'd just advise the insured to read his policy. Second to that, it might serve them well to read all contracts before they sign their name.

    Randy,
    I respectfully disagree with that thought process, I equate that a little like the Doctor handing the patient his/her MRI report and suggesting that they diagnose the problems. 
    If insurance contracts were simple to interpret there would never be a problem, everyone would be able to read simple things like "We insure this or that",  We don't insure this and that.  
    But we know that's not so, and far too many times when it comes time for the loss to be evaluated, the insured feels misrepresented because things they expected to be covered aren't.  If attorneys and judges have difficulty interpreting the intent of the insurance contract, how could anyone expect the average 'joe' to do so.  I think that as far as the 'general public' goes, there are relatively few who have the savvy to muddle through a boring insurance contract and come out on the other end enlightened. 
     
    With  regard to product knowledge,  the responsibility should lie with the originator of the product.  If you're selling a product, full product knowledge should be mandatory.  But sadly that's not the case in far too many cases.  Agents will sell an "off the shelf" policy and not offer options (endorsements) that may be necessary or not explain what is and is not covered.  In some cases, the agents don't even know themselves.  (Not blaming agents here, just stating some facts I've run across in my experiences.)
     
    Then there is always the rare individual who just doesn't care to investigate what they're purchasing, not be responsible for their own lives and expects everyone else to be responsible.
    (but we all know that's the rare animal and somebody else is always to blame, right? )



    Do the right thing, ALWAYS
    ~Meg~
    0
    JimGary
    Member
    Member
    Posts:470


    --
    01/06/2009 5:19 PM
    Posted By Meg W on 06 Jan 2009 04:10 PM
     (Not blaming agents here, just stating some facts I've run across in my experiences.)
     


    From an old agents point of view, product knowledge is not enough. You must also be a mind reader, to know what the client expects from the policy, a financial adviser to know the clients budget, a teacher so you can educate your client on the fine print in the policy, a legal consultant..........well the list goes on and on. Even on this forum when coverages and hypothetical claims are discussed, we have differing opinions on the coverage and applications of the coverage. An agents hopes that he or she has properly explained the policy, but as many of the older adjusters have pointed out, we learn something new every day. So are agents suppose to fully educate the client in the 15-20 minute meeting with the insured? No we hit the basics, try to cover all the insureds concerns (which is generally satisfying the lienholders requirements). A friend and client of mine of mine one said I knew 10 times what the avg insured new, but only 1/10th of what I truly needed to know. No doubt he was right, and I'm still learning.
     
    JWG
    I know the voices aren't real, but sometimes they're right!
    0
    BobH
    Veteran Member
    Veteran Member
    Posts:759


    --
    01/06/2009 6:36 PM
    Posted By Kevin Kramer on 04 Jan 2009

    Please feel free to share your thoughts on how to empower policyholders to locate talented assistance for their claims.

    This really comes down to "how can the Insured insist they get a better adjuster".
     
    Unfortunately, I don't see a lot of options.  By the time the Insured realizes he didn't get the best adjuster, the inspection is done.  In my experience carriers are reluctant to allow a new adjuster.  The complaint would have to escalate beyond the initial call center person to management.

    Bob H
    0
    Tim_Johnson
    Member
    Member
    Posts:243


    --
    01/06/2009 6:50 PM
    An old adjuster buddy of mine once explained how he explained coverages to insureds. He would tell them (his buddies, tongue in cheek) "Don't worry about what is covered and what is not covered. It is your job to pay the damn premium and when you make a claim we will let you know what is covered!"
    Tim Johnson
    0
    HuskerCat
    Veteran Member
    Veteran Member
    Posts:762


    --
    01/06/2009 9:41 PM
    As an inside examiner, it began to become clear that reinspections were warranted for particular field adjusters/vendor firms.  Whether it be for untimely inspection or communication, or highly questionable reports with no documentation, assignments were pulled and given to the proven ones.  Fortunately, the bad apples were identified before the whole barrel started to smell.  I had a couple of very very patient insureds who had been given appointment promises for 30 days...pulled the plug and the new adjuster contacted them within 45 minutes, had 1st & final reports to me 48 hours later with narrative, estimate, photos (accurately labeled to boot), and artful diagrams.  Turned in my recommendations & the carrier issued payment of those claims the next day.   The insureds were very pleased with the ultimate outcome, but confused why things happened so fast after nothing at all happening with the 1st adjuster.  Trying to explain it or make excuses for the first adjuster/vendor wasn't going to fly or make anyone look good, so I just thanked them for their patience and wished them well. 
    0
    Tom Toll
    Moderator & Life Member
    Senior Member
    Senior Member
    Posts:1865


    --
    01/07/2009 7:19 AM
    Posted By Randy Cox on 04 Jan 2009 11:29 PM
    My thoughts on empowerment are quite simple. I'd just advise the insured to read his policy. Second to that, it might serve them well to read all contracts before they sign their name.

    People bought houses they couldn't afford, with interest rates they didn't understand, because they read hardly a word of the paper after paper they signed at closing. Do we or do we not routinely scroll through EULA's and click happily and cluelessly away. Who knows and who cares to what we obligate ourselves. If we don't like it, we just renege!

    Our lawmakers signed bills they never read and gave billions of dollars away without oversight. Now the same people are offering further assistance to the tune of a trillion dollars.

    One super talent comes to mind by the name of Madoff. All of his investors now have an army of talented lawyers and advisers...but it is too late.

    My Dad used to say, "If you want it done right, do it yourself." I think it is time for America to read what they sign, and "Know before they go!"
     
    I hope all of you read the above, as it is an excellent analogy of today's society and mental make up. For some reason we rush to make decisions because we want, not necessarily need things. Things seem to be more important to us now, more than ever. We need to learn to slow down, make educated decisions, and then proceed to make our lives more whole and full.


    Success is not final, failure is not fatal: it is the courage to continue that counts.
    0
    okclarryd
    Veteran Member
    Veteran Member
    Posts:954


    --
    01/07/2009 10:27 AM
    Mike,

    My experiences with several IA fims in Texas mirror yours.

    As a reviewer, I couldn't tell the insured that the first adjuster was a jerkor that he wasn't doing his job. I told them that when the problem came to light that we took action to address it. I made sure that my tone of voice was not strident but was more toward apologetic.

    I was fortunate that my manager felt the same way I did and would allow me the latitude to reassign files as I saw fit. All I had to do was make him aware of the reassignment.
    Larry D Hardin
    0
    ddreisbach
    Member
    Member
    Posts:172


    --
    01/07/2009 4:07 PM
    Going back to the original post:

    "All adjusters want basically the same thing: The accurate settlement of claims that close, go away and never re-open( i.e. we all want closure so we can get paid and move onto the next assignment)."

    Working clean-up on Ike, I'm seeing claims from the, "Turn'em and Burn'em" school of adjusting. Write up the big easy stuff, like the roof. A few lines on the interior to make it look good, and on to the next claim knowing full well it's going to need a supplement. The vendors and carriers allow it (after all, it might stay closed) and the fee schedules make it profitable. I'm pretty sure these guys and gals make a lot more per hour than I do.

    My favorite was the heavily damaged, heavily textured ceiling with a one-line estimate, "Scrape and paint".
    0
    LarryW
    Member
    Member
    Posts:114


    --
    01/07/2009 8:05 PM
    David,

    You are probably right that the turn and burn adjusters make a lot more per hour than you do. However, if one wants to make a career in this field, the folks who take their time and do it right will average a whole lot more per week, month or year than those bad examples.
    No one is absolutely worthless, at the very least you can serve as a bad example.
    0
    Tom Toll
    Moderator & Life Member
    Senior Member
    Senior Member
    Posts:1865


    --
    01/08/2009 10:55 AM
    Larry, I definitely agree with that statement you made. I have been in this business for near 48 years and have never had a problem finding claims work. I and Janice work hard to complete a claims so that re-opens are non existent. We don't overpay, we just pay what the contract allows. If all would do their work diligently and comprehensively, they would never hurt for work and enjoy a good reputation.
    Success is not final, failure is not fatal: it is the courage to continue that counts.
    0
    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.