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Ladder Safety

Roy

This is a repost of the article. We are moving all articles from the old format to the new format.

As hail season approaches we want to remind everybody to think ladder safety each and ever time you grab that ladder. OSHA has reported that the most recent accident statistics suggest that the working men and women in America abuse and misuse ladders in the workplace as a rule rather than an exception.

 


LADDER/CLIMBING SAFETY

CADO Admin

Subject: LADDER/CLIMBING SAFETY
First Posted on Saturday, September 02, 2000 - 1:32 pm: By: Lyndon

Bottom Line: Too Many Falls Last Year!!

1.) Take time to evaluate your ascension. Look at all slopes and valleys. Two and three story structures call for the utmost of attention and care. Ladder pulls are a particularly risky effort and deserve your utmost care.

2.) Do NOT be afraid to say NO! If you are very concerned about a particular roof, GET HELP! Local roofers are always willing to assist you! IF you ask the carrier, most of the will give their blessing as opposed to having you fall!

3.) A variety of ladders is not a bad idea. It offers you choices that you would not otherwise have.

 

... more


House Fire--A simulated claim for discussion

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

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.


NIPR

National Insurance Producer Registry

Roy

National Insurance Producer Registry (NIPR) website provides information on Adjuster Licensing, you can click on the article title above or follow the link below to go to their State Requirements page;

State Requirements 


Safety and roofs

CADO Admin

Speaking of roofs, my driving around the south and central Texas area finds that the developers are building houses in the new subdivisions with roofs that are not meant to be climbed. Steep, cut-up, mostly two stories. The old days of the accessible 4/12 ranch style house roof have been gone since the mid-1980's.

Increasingly, I am of the opinion that a preferred way to investigate these roofs are with a truck mounted crane and lift bucket. Our safety is now, more than ever, being compromised by inherently dangerous roof designs.


NFIP Adjuster Fee Schedule

CADO Admin

Updated: The information below comes from the October 1, 2021 NFIP Claims Manual

Section 2: Claims Processes and Guidance
This section provides FEMA claims processes and guidance. The primary audience is claims adjusters with call-out boxes denoting the claims examiners’ roles and responsibilities.

Adjuster Fees

FEMA uses the current NFIP Adjuster Fee Schedule to make payment to insurers; the insurers, in turn, make payment to the adjusters.

  • Current Adjuster Fee Schedule effective August 24, 2017 (See Appendix A).
  • For ICC claims, use the ICC fee schedule, effective September 1, 2004 (See Appendix B)

NFIP Coverage Comparison as of December 31, 2000

Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form

Roy

This chart shows provides a coverage comparison of the following NFIP policies. 

The Three Policy Forms 
There are three policy forms – Dwelling Form, the General Property Form, and the 
Residential Condominium Building Association Policy. Each is used to insure a different type 
of property. All, however, contain certain terms and condition (e.g., Mortgage Clause, 
Reformation of Coverage) that are unique to flood insurance.
 

source: NFIP


Careers at Pilot Catastrophe Services

CADO Admin

"We are constantly looking for top quality personnel to represent Pilot and our clients. As a result, we are always hiring qualified individuals."

 

"Due to the fact that our business is based on storm related events, all of our positions are temporary as-needed positions. Wages will vary based on the particular storm, your role and the client company you are representing."

 


Citizens Property Insurance

CADO Admin

"Citizens Property Insurance Corporation was created by the Florida Legislature in August 2002 as a not-for-profit, tax-exempt, government entity. Its mission is to provide insurance protection to Florida policyholders who are entitled to but are unable to find property insurance coverage in the private market.

Independent Adjusters

The Independent adjusting firms listed below supply individual adjusters to Citizens when they are needed. If you are interested in working with Citizens as an independent adjuster, contact any of these firms to see whether they currently are hiring new adjusters."

The above is from their site, the  Read More link will take you to the page listing the adjusting firms as stated above

 

Lighthouse Claims Service - Career Page

CADO Admin

About Lighthouse Claims Service

"Lighthouse Claims Service is a full-service adjusting firm, fine-tuned to the needs of the individual client. Whether your company needs full Xactanalysis assignment capability or just a short form appraisal in any format, we customize our product to meet your needs. We specialize in property claims, either first or third party, personal lines or commercial lines. Our management team has over 40 years experience in the claims business."

The above is from their site.


Just got 58 new claims, what do I do now?

Anonym

Newt, here is a new thread for you or whoever else may be interested. Again, I emphasize that each topic like this should have its own identifiable thread, so as in the event that it develops into anything, and as a result has some future value, it can be found.

Here is the scenario - stick within its framework - consider it 'real' and start to develop your own 'flow' as opposed to relying on others, and offer it up for critique and refinement if necessary. Maybe by the time it has gone through the grinder, if there is sufficient participation, it will evolve into a useful general template.

A fairly significant hail storm ('hail' used because it is the least cumbersome peril regarding the effect the damage has etc) passed through ClaimCity on Thursday May 1/03.

Saturday May 3rd at 9.00AM a vendor called you and after a 'know before you go' chat (which is not part of this thread) you agreed and were deployed by the vendor.


Careers With Wardlaw

CADO Admin

We are always looking for qualified adjusters to add to our roster.
We anticipate CAT and Daily Property, and Auto Claims.

The above is from their site.


Earth just had its 7th-warmest January on record

Polar sea ice coverage was below average for the month

Roy

Source: NOAA 2/12/21 Article

True to trend, Mother Earth kicked off 2021 with a balmy January that ranked 7th-warmest in the temperature record, according to scientists with NOAA’s National Centers for Environmental Information.

Warmth took its toll on sea ice as well, with below-average ice coverage observed at both ends of the planet.

...

 


Apply To Be a Crawford Catastrophe Adjuster

CADO Admin

Crawford CATastrophe Services is constantly searching for qualified catastrophe adjusters to provide the additional claims expertise in the wake of natural or man-made disasters. Temporary property, auto, or casualty assignments opportunities are available through our U.S. Catastrophe Services Division.


Works for Me

CADO Admin

Subject: Works for Me
Description

Thread for ANYTHING in the world of adjusting that works to help get the job done- equipment, software, etc.

In this thread adjusters share their thoughts on equipment that works for them.

Source: 2006 Forum Post by RobertV


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FAQ

Listed below are some links to other blog post and articles on other sites.

Dimechimes ClaimSmentor Adjuster Information Blog 
 Organization Chart for the Claims Handling Blame Game- A Humorous Graph -A Serious Look at Claim Bad Faith Issues
 On the page the above link takes you to you will find links to some of her other articles at the end of the above article.
  

WHAT MAKES A GREAT CAT ADJUSTER?
Article written by John Postava
On the Ryze Claim Solutions webite

You can find additional post from John and Dimechimes in the CADO forums, they have made many post over the years contributing to the community by sharing their knowledge and experiance.

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