Wednesday, September 17, 2008

IKE LOSSES MAY PUT A MAJOR STRAIN ON TWIA

Author: Roy

State-run insurer of last resort bears much of coastal cost

By Mary Williams Walsh
© 2008 The New York Times,
Reproduced under license from
the Copyright Clearance Center

Hurricane Ike caused as much as $16 billion in property damage, by some estimates, but the state-led insurance pool that will ...

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Friday, June 8, 2007

Florida Focus---Big "AA" meeting scheduled forTallahassee

Author: Roy
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Monday, August 27, 2007

Missing Children

Author: Roy
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Tuesday, August 7, 2007

View From the Slough, Too - The Art and Science of Branch Assist

Author: Medulus
View From the Slough, Too
The Art and Science of Branch Assist
By Steve Ebner (Medulus@aol.com)
 
I originally wrote this article back in 2001, and hundred of people read it on CADO, but at some point the link to the article became bad. So, for years I have not even been able to access it. I thought the article was lost for good until I recently discovered it on an old backup data disk. Because the conditions in catadjusting in 2001 and 2007 are so similar, I thought it would be a good time to update and revise the article to make it more current and to repost it on CADO. I know there is a danger of sharing too many secrets about how to get by in this business, especially when so many thousands have been added to our ranks with the storms of 2004 and 2005. But it is mainly those with experience and knowledge that will be able to benefit from this information. And I have always been willing to help those who deserve to be helped.
 
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Friday, February 29, 2008

Common Estimating Errors

Author: Roy

By John Postava;  First posted in the forum.

"They say there have been more mistakes made by computers than Tequila and Hand Guns combined.  That being said, with the help of one of the top trainers at Vale National Training Center we published a white paper on what we feel are some of the top ...

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Tags: Software, Estimating

Saturday, April 17, 2010

House Fire--A simulated claim for discussion

Source: Forum Post Started by Racko on 9/19/2006

Author: CADO Admin

 To kill some time in this lull period & spread some knowledge, here is the scenario (or scenarios) as you see fit to make it. I will lay out the limited info as follows, and let's see where it goes.

Heavy fire loss occurs in a single family dwelling. Cov is HO-3, no issues with eff dates. Insureds have just left home about 6:00 p.m., a couple hours before fire breaks out and is discovered. High winds fan the flames and each house on either side sustain heat/smoke damage before the fire is brought under control. Let's say both neighboring houses now have some melted vinyl siding, one sided 2 years ago and the other 12 years ago. The elderly neighbor next door initially beat on the insured's door trying to see if they were OK, and burned his hand. He then rushed home to get his wheelchair bound wife out of their house, but she spends a week in the hospital with smoke inhalation related complications.

The insureds are a young couple, both smokers, with a 6 year old son. They just moved in about 2 years ago, only work in the house since they came was replacing the kitchen flooring, and adding a center island with a new cooktop on it. These were professionally installed within the past 6 months.

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Categories: CADO Blog, Fire Claims

Tags: Fire

Friday, June 8, 2007

Using the Square Break tool to add roof extensions

Author: Roy
Have you ever seen an estimate tree in Xactimate where the roof section is listed as Roof1, Roof2, Roof3 and so on? Well in most cases this occurs when the estimate writer uses the "roof icon" or the f key to add the extensions to the main roof diagram in Sketch, when a better option would be to use the "Square Break" tool to add extensions to the roof.
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Thursday, August 16, 2007

Catadjusting and Crisis Intervention

Author: Roy

This is an article I have considered writing for years, one that deals with some of the emotional/psychological elements of working with people who have experienced personal crisis as a result of a catastrophic event, especially with regard to what this means for effective claim settlement.

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Tuesday, July 14, 2020

Is It Really Just The Money ,(The Bonum and the Summum Bonum)?

by Steve Ebner first posted 12/7/2004

Author: Roy

A article from the CADO article archive and was first posted on:12/7/2004

It occurred to me that this was just another perk of being a catadjuster.  I have lived in many places, been a gypsy most of my life.  When I think back, my life comes back to me in bits and pieces, as a bit of what happened in this place and a bit of what happened in that. 

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Friday, June 8, 2007

Profession or Commodity

Author: Roy
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Friday, June 8, 2007

Florida Focus---Changes in the Wind?

Author: Roy
Some of us reside in Florida.  Many more of us have served time here with a stint or two following catastrophes that impacted the Sunshine State.  In the aftermath of Andrew;  the 'four in 2004', and then Wilma, old-timers and rookie adjusters alike saturated the fourth largest state and served for weeks and months.
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Tags: Citizens

Friday, November 23, 2007

State of the Industry

Author: Roy
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Tuesday, January 1, 2008

2008 and Cat Adjusting

Author: Roy
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Friday, May 24, 2013

Are you ready for the life as a Cat Adjuster or road warrior?

By Rob Britton @ AmericanWay

Author: Roy

The life of a road warrior can be hard, not only on the traveler but also on his or her family. Experienced business travelers explain how they MAINTAIN THE PERSONAL-PROFESSIONAL BALANCE...

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Friday, June 8, 2007

Using the Summary Matrix to change Base Service Charges

Author: Roy
In this blog we will show you one way to change the base service charges using the Summary Matrix.
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Tags: Xactimate

Thursday, June 12, 2014

Flooding the Market with Useless Prospects: CAT Adjusters and Training

Author: CADO Admin

An opinion by Phillip Crimaldi 

"I’m fairly certain, at least from my own research, that a few things happened somewhere around the post-Katrina era.  First, a handful of hardworking independent adjusters made a bunch of money.  The adjusting companies who had the contracts for those claims made millions, and some of them made successful businesses that continue to provide claim services under catastrophe and structural loss circumstances.  The remaining folks either went belly up or decided to start selling a rather poorly designed training service.  This attracted every Tom, Dick, Harry (and Sally) who wanted to “Get Rich from Adjusting Claims!”.  Storm chasing contractors and adjusters came out of the wood-work after spending their savings, assuming they could also make a lot of money.  The percentage of catastrophe claims is way down and the story goes the market is now flooded with a bunch of folks who preach their ability to adjust claims by merely taking a software estimating class and passing Texas or southern license exams which really don’t encompass the business of adjusting.  Some are smart enough to suggest they would be willing to shadow for a claim or two, but most of those folks literally have palm trees on their resume heading, as if they’re already on retirement island!  The rest seem to be convinced they are “ready to go”, and all of them want to be “deployed” on some sort of “roster”, yesterday.  Who knows where these terms even surfaced. - See more at: http://independent-adjuster.com/flooding-the-market-cat-adjusters-training/1243/#sthash.K8QwERg6.dpuf 

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Saturday, September 8, 2007

What are they saying about us

Author: Roy
Recent articles published by Bloomberg a copy of which I've posted in the forums completely disparage the work we do. We are seen as mere puppets who foolishly obey our carrier and vendor masters with no forethought or ethics.
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Saturday, March 31, 2007

Do it right the first time and reduce re-opens

Author: Roy

This article was moved from the old system. It was written by George Mullet in 2000.

The primary thing an adjuster needs to do is communicate with the insured. I cannot emphasize that enough. We do not know if there is an error, an oversight or what, until we get out there. The adjuster is always supposed to communicate the proposed settlement with an insured and many people tell us they never heard from the adjuster after he was out there. Whether that is true or not is not the issue. If the adjuster is overly clear not only on the amount of the settlement but exactly what he is recommending, it leaves little room for misunderstandings. Further, if he/she is extremely clear, people will not have the tendency to want to say they never heard from the adjuster.

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Friday, June 8, 2007

Use Sketch Templates to save time and increase production

Author: Roy
The template tools in "Sketch" allow you to create diagrams and reuse them in other claims. You can even share them with other adjusters. In this blog we will show you how to create a template and load it.
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Tags: Xactimate

Friday, June 8, 2007

The “Killer” amongst us.

A article by Dave Hood

Author: CADO Admin

 There are many ways to approach the demise of the catastrophe adjuster.

   1) The fatal auto accident.

   2) The falling off the roof.

  3) The stroke

  4) The heart attack

Many of the above are related to the difficult and lengthily work hours we endure to provide our services to those that require them, as well as to provide for our families.

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Forum Topics

Lightning Strike

With this beautiful weather across the country it sounds like you all need some work related stimulation so here it is. You helped me once before but this time it’s on my own home.   I c

Posted: 07/13/2007 3:06 PM Replies: 5

Tallahassee Adjustors

Hello, I have a full time job.  Work nights.  Is there anyone in Tallahassee Florida that I can carry their ladder for them?  I do not want any pay.  I just want to ride with you

Posted: 09/03/2008 3:08 PM Replies: 4

carriers using their own adjusters

  Can anyone tell me why we aren'T getting the business we usually get from the Carriers because they are using staffers. They are going to have up to 2/3's the supplements on these claims they u

Posted: 09/15/2010 10:34 AM Replies: 1

wet light fixtures

Almost everyone agrees that non-metallic sheathed cable (romex) that has been submerged in salt water needs to be replaced as the paper wrap around the ground wire wicks corrosive salt water up severa

Posted: 11/06/2010 6:13 PM Replies: 17

Senter denies State Farm motion to dismiss whistle-blower case

 GULFPORT -- U.S. District Judge L.T. Senter Jr. has denied State Farm Fire and Casualty Co.’s request to dismiss a whistle-blower lawsuit against the company because details were disclosed befor

Posted: 01/26/2011 2:47 AM Replies: 0

Adjuster Commission Rate

1. What commission rate do you feel an experienced and proven adjuster should be paid? 50%........60%..........70%..........    

Posted: 08/22/2007 6:20 PM Replies: 7

What happened to the CAT adjusting?

I have worked as a property adjuster since 1990.  I started with Aetna and worked as a regular territory based staff adjuster (5) years, then independent staff (10) years and in between contract

Posted: 10/18/2009 9:53 AM Replies: 15

Nat'l Assn. of Christian Catastrophe Insurance Adjusters

Bill in Florida dealing with many property insurance issues includes this exception to licensing requirements. "(n) An applicant for license as a customer representative with respect to property

Posted: 05/24/2010 4:28 AM Replies: 15

General

I thought you all may enjoy a little levity, I found this hilarious I think you will too!

Posted: 08/24/2011 12:59 PM Replies: 3

30 Year 3-D Comp. Roof Life

My wife is a Realtor and is always asking me how long the roofs in our community (Kingwood, TX) are supposed to last. Most have adequate attic ventalation. Need answers from consumers, roofers and ad

Posted: 03/18/2007 5:44 AM Replies: 5