| Author |
Message |
JackCash
Registered User
Username: Jackcash
Post Number: 23
Registered: 6-2002
| | Posted on Thursday, July 04, 2002 - 8:19 pm: | |
Kile, The wind pool exists because of the potential for wind claims and because many carriers pulled out of Florida after Hurricane Andrew..There are no wind claims @ this time. Had the carriers been a little more prudent in their actions they would have participated in a windfall of profits. The Florida Wind pool as it was formerly known has estimated reserves of over 85 billion dollars. They have been fraught with tales of scandal and overpayments to insiders and politicians. Their board of diectors recently voted themselves a sweetheart deal to sell of the company to themselves. Thus the creation of the entity known as Citzens something or other. (do a google search on it)
Eventually, I am sure a Florida or Federal Grand Jury will be looking at many of these relationships as well as the fee`s charged to adjusters for this so called certification process.
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A special note to the party who took the time to send my a virus called Pi under the name of Roy@catadjuster.com. I have your URL, and if you want to play I can easily accomodate you.
Don`t attempt to send me any more virus.
Jack Cash |
JackCash
Registered User
Username: Jackcash
Post Number: 22
Registered: 6-2002
| | Posted on Thursday, July 04, 2002 - 8:08 pm: | |
Kile, The wind pool exists because of the potential for wind claims and because many carriers pulled out of Florida after Hurricane Andrew..There are no wind claims.
============================
A special note to the party who took the time to send my a virus called Pi under the name of Roy@catadjuster.com. I have your URL, and if you want to play I can easily accomodate you.
Don`t attempt to send me any more virus.
Jack Cash |
Kile Anderson
Registered User
Username: Kileanderson
Post Number: 150
Registered: 1-2001
| | Posted on Thursday, July 04, 2002 - 7:02 pm: | |
Jack, if there are no wind claims in Florida, why the hell does the florida wind pool exist? |
JackCash
Registered User
Username: Jackcash
Post Number: 21
Registered: 6-2002
| | Posted on Thursday, July 04, 2002 - 6:17 pm: | |
All you big spenders, just pay them and shut up; you say...
I wonder how many of you have ever worked a real hurricane where they will certify you if you know how to "breath and walk." The argument is not about the amount of money which I will probably pay under protest. The argument is about whether we should be forced to pay anything at all. I don`t think so and I protest having to pay as I think it is the insurance companies reponsibility, not mine.
Perhaps some of you should read the way the Florida Wind calculates the way they interpret the ALE portion of the policy. If you do not agree to their method of calculations you are out of luck. The Calculation method makes Enron bookeeping look good and basically cheats the policyholder out of coverage.
Joseph ,I am not beating a dead horse I am trying to beat some sense into a group of adjusters who think they have to pay Florida Wind to work. We are the Kings of Adjusting, not Florida Wind.
We demand the information required to properly adjust claims according to the terms of the policy.
I for one have already taken the Florida Wind video course and all it`s associated nonsense. I do not want to pay some distant brother-in-law of a director of Florida Wind/Citizens mystery group for some so called phoney certification.
P.S. Kile There are no wind claims in Florida and for the most part there have not been many for over ten years. |
alan jackson
Registered User
Username: Ajackson
Post Number: 119
Registered: 12-2000
| | Posted on Thursday, July 04, 2002 - 5:25 pm: | |
When the big one hits, they will have free classes for anyone with a pulse. Please adjust for us. After Andrew, if you could spell adjuster, someone would give you files to handle. |
Wray Decker
Registered User
Username: Wraydecker
Post Number: 7
Registered: 12-2001
| | Posted on Thursday, July 04, 2002 - 4:53 pm: | |
The adjusting company I selected to work for when (not if) the hurricane hits Florida, recently informed me the $85 would be reimbursed to me at the completion of my first assignment.Sounds fair to me.
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joseph m lombardo jr
Registered User
Username: Jlombardo
Post Number: 28
Registered: 1-2002
| | Posted on Thursday, July 04, 2002 - 3:20 pm: | |
Jack, I think Kile is right and that you are beating a dead horse. Like the old saying goes..."no tickee, no shirtee".......God am I getting old..... |
Kile Anderson
Registered User
Username: Kileanderson
Post Number: 149
Registered: 1-2001
| | Posted on Thursday, July 04, 2002 - 2:57 pm: | |
No one is forcing you to pay for the certification Jack. If you don't want to work wind claims in Florida, then don't pay for it. Pretty simple. They throw the party, and you have to pay the cover at the door if you want to get in. It's that simple. I think this is a ridiculous argument. |
JackCash
Registered User
Username: Jackcash
Post Number: 20
Registered: 6-2002
| | Posted on Thursday, July 04, 2002 - 1:41 pm: | |
Linda, I am certified, its called an adjusters liscence. They pay me to estimate damages according to the policy..
There are 1400 property claims companies out there...What ! pray tell would happen if they all decided we must become certified in their particular way of doing business. Imagine the expense, that my friend is why we became liscenced.
This trend towards charging adjusters for certification is not what is best for the industry. The policy is the governing instument plain and simple. Understanding the policy is a given.
I don`t need to pay no ""Back Street guys" to teach me how to read or interpret a policy. |
Tom Strickland
Registered User
Username: Toms
Post Number: 43
Registered: 12-2001
| | Posted on Thursday, July 04, 2002 - 1:12 pm: | |
Maybe a survey should be done (on this site) to see exactly how many, and how much!!!!!!!!???? $$$$$ has been made since the FWUA cert. has been adopted. I remember 1st class in Dallas for pilot wayyyyyy back when and it was the Gonna save the Queen program for adjusters, SAP and you would do the Wind,Flood and homeowners and make a mint on the next storm.
Question is Did We??? (of course, "some" may have) but I would suggest the majority have not. As usual I.M.H.O.
Happy 4th to all!!!!! |
Linda Asberry
Moderator
Username: Linda
Post Number: 38
Registered: 12-2000
| | Posted on Thursday, July 04, 2002 - 12:42 pm: | |
I believe were we employees of a company then perhaps the company might foot the bill for continuing ed, licensing, etc., as employee benefits, however, since we are for the most part independent adjusters, then by our own choice, we must pay the freight to remain employable for the carriers we wish to be employed by. As independents, we must bear the cost of doing business like any other entity. Licensing and certifications are just that--the cost of doing business.
You could argue the same about state licensing. Why should they require it? So someone will know exactly what qualifications and knowledge you possess.
I would much rather take the on-line than to have to lose a day of productivity and another night's hotel bill.
The carriers have the right to know that we have the knowledge and understanding of their particular contract before we as adjusters begin spreading the carrier's money around. They may only be a service bill to some but we should never forget that whatever decisions we make affect people's lives and ultimately the cost of those contracts, which by the way most of us also purchase,
Sorry, certification don't come in "two for the price of one".
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JackCash
Registered User
Username: Jackcash
Post Number: 19
Registered: 6-2002
| | Posted on Thursday, July 04, 2002 - 12:06 pm: | |
So if FWUA/Citizens decides to hire a janitor to clean their building; are we also going to a bill for that. If they want to hire the Back Street boys that is their choice.
An Adjuster should not be required to pay these fees, we are not getting software. It is their responsiblity to provide specific information on their policys.
If you are required to be certified as an adjuster to understand the nuances of their policies then perhaps they should also require the policyholder become certified also. The policy should be written in clear enough language that anyone should be able to comprehend it. This should be an expense for the company, they save enough by not having pay a staff of adjusters. The argument that we as adjusters save significant dough by not having to attend seminars does not hold water either as that is also an expense that the company should bear. They have the obligation to adjust the claims, not us.
They recieve the premiums year after year; not us. Jack |
Ghostbuster
Registered User
Username: Ghostbuster
Post Number: 302
Registered: 12-2000
| | Posted on Thursday, July 04, 2002 - 10:59 am: | |
Ooops! My mistake. Thought they were...didn't they used to be a quasi-creation of the state?
Gilligans Island is a tropic paradise devoid of any governmental taxation or intrusion. |
joseph m lombardo jr
Registered User
Username: Jlombardo
Post Number: 27
Registered: 1-2002
| | Posted on Thursday, July 04, 2002 - 10:17 am: | |
Jack---FWUA is no longer, it is now Citizens Property Insurance Corporation----Last year the program decided to start educating the adjuster through a CD program inorder to reduce the cost to the adjuster. Before the new CD program , an adjuster had to attend an all day seminar....very costly if you are busy handling losses---the adjuster would loose an entire day of productivity.Also, if an adjuster was not able to get to a certification seminar because he was on storm duty somewhere, then he would be left out of the program.I think the charges come from the government following "privatization" policy.
The folks at BACK STREET PRODUCTIONS, whom write,produce and distribute the discs are not State employees...THEY ARE INDEPENDENT CONTRACTORS---JUST LIKE THE REST OF US---therefore, they do not work for free, hence the charges for the discs...also remeber the cost to maintain a website for testing, information gathering, etc.
About carriers loading "forms" for free..are you referring to adjusting pograms or forms specific to the particular carrier???...no I do not work for Citizens...I am an independent contractor...
Happy Fourth....Godbless all our armed forces personnel whom are protecting us this day...GODBLESS AMERICA |
JackCash
Registered User
Username: Jackcash
Post Number: 18
Registered: 6-2002
| | Posted on Thursday, July 04, 2002 - 9:39 am: | |
I think its time adjusters complain about it loudly..I have loaded many forms from indiviual carriers on my trusty laptop this year. They never charge me or try and make money of of me simply because the software helps them better serve the policyholder.
Many of the East Coast States are looking at setting up Wind Pools and I imagine it won`t be long before we have to pay a fee to be certified in all their states as well. The FWUA is an insurance company Ghost, not a taxing agency. I have twenty adjuster friends within a 10 mile radius of where I live we could just as easily trade their so called certification disk amongst ourselves.
Why should we have to pay them to work for them ? It is counterproductive to the policyholder and creates animosity between the adjuster and the employer.
The process should be a partnership that benefits the policyholder rather than the FWUA. What you don`t understand is I do not need to work for Florida Wind, they need me and my extensive knowlege and experience..
Sorry, I didn`t understand the Gilligans Isle analogy.. |
Ghostbuster
Registered User
Username: Ghostbuster
Post Number: 301
Registered: 12-2000
| | Posted on Thursday, July 04, 2002 - 8:45 am: | |
Yeah, yeah, yeah...Taxes and fees by any other name is still legalized governmental extortion, but whatta ya gonna do? Whether it's FWUA, or The Great State of ______, (fill in the blank), or mandantory vehicle liability insurance, or city, state, and federal income tax, we pay.
What are your options? You might try go living on Gilligans Island, but Ginger and Mary Ann aren't there anymore. And one more thing, You're complaining about taxes and fees out of season. Tax complaining season ended in April. You better hope the Decorum warden doesn't find out or he might give you a citation. |
JackCash
Registered User
Username: Jackcash
Post Number: 17
Registered: 6-2002
| | Posted on Thursday, July 04, 2002 - 8:23 am: | |
I do not have a problem with paying Tom and I have paid more than once, Now they want $85.00 fom both me and my girlfriend...That is $170.00 per year..and it is a scam in my opinion. The information should be made available to adjusters for free so they can be assured they have a good well educated pool of adjusters willing to assist in the event of a hurricane. The wind pool already has assets of 85 billion dollars set aside for a hurricane as a result legislative changes enacted after H. Andrew. Its a slap in the face to my professional integrity to continually be compelled to pay more money to these people what is basically their in terpretation of a policy. I can read a policy and if they are not satisfied with my work they have the right to pull my claims. I am in this business to make Jack Cash money not them. |
Tom Strickland
Registered User
Username: Toms
Post Number: 42
Registered: 12-2001
| | Posted on Tuesday, July 02, 2002 - 10:31 pm: | |
Jack,
The old saying "you got to pay to play" is the only thing you can get from this. If "all" will notice, these "certifications" always cost the adjuster $$$$$ and time to obtain. But again, if you want to do the work, you got to have the cert. |
JackCash
Registered User
Username: Jackcash
Post Number: 15
Registered: 6-2002
| | Posted on Tuesday, July 02, 2002 - 11:49 am: | |
I guess I now have to get certified for the third time for Florida Wind..What is up with that ?? and why do we have to pay 85.00 for the privelege of assisting the residents of Florida recover from a hurricane. Some one please bring up to speed on this topic...Jack |
Roy Cupps
Board Administrator
Username: Admin
Post Number: 125
Registered: 1-1997
| | Posted on Friday, April 12, 2002 - 10:59 pm: | |
Thanks for the update Horace.
CatAdjuster.org An Adjuster to Adjuster Community
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Horace Smith
Registered User
Username: Hsmith
Post Number: 10
Registered: 2-2001
| | Posted on Friday, April 12, 2002 - 9:48 pm: | |
I received an E-mail reply from Paul Binkley of FWUA. He says that although the name will change to Citizens Property Insurance Corporation, the two certifications provided by FWUA will remain in force. Also, that the "Advanced" or "Condo" certification which formerly had to be obtained under the sanction of an approved vendor, can now be obtained by the individual adjuster.
Horace Smith
Horace Smith
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Roy Cupps
Board Administrator
Username: Admin
Post Number: 123
Registered: 1-1997
| | Posted on Wednesday, April 10, 2002 - 3:58 pm: | |
"The legislation (SB 1418), sponsored by Reps. Jeff Atwater (R-Palm Beach), Carlos Lacasa (R-Miami) and Sen. Rudy Garcia, merges the Florida Windstorm Underwriting Association (FWUA) and the Florida Residential Property and Casualty Joint Underwriting Association (RPCJUA) into one entity - Citizens Property Insurance Corporation (CPIC. Under the legislation, CPIC is structured to be a tax-exempt entity and will have the ability to issue tax-free bonds."
Since a large portion of CADO members are FWUA certified and are due to be recertified in the next 45 days, what does this merger mean? Will adjusters now have to be certified with Citizens Property? Press Release
From: Horace
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