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The “Killer” amongst us.

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/ Categories: CADO Blog, Cat Adjusting

A article by Dave Hood

           The “Killer” amongst us.

 

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.

Many auto accidents occur because we are tired, not paying attention, involved in a cell phone call, or some other distraction which may or may not be the proximate cause of the accident, but could be contributory thereto.

Falling off a roof is usually caused by being distracted and not paying attention to the situation at hand. Many have fallen, a few have survived, and more than a few have not, or have incurred injuries which limit their future. (Several close friends are among the missing).

The stroke’s and heart attack’s may be a predisposed condition which exists in some, and then they may be brought on by the lack of having a healthy diet and or proper exercise, or whatever other cause a physician or physiologist may proffer.

Most of us have been associated with the term “Post Traumatic Stress Syndrome”, which for the most part has been loosely associated with our undaunted military personnel, who return to the States after enduring some form of extremely difficult conditions. (In this instance you would have had to “been there”)

Many of these returning “hero’s, and I use the term as all inclusive, (because in my humble opinion they all are) have ventured into the various wildernesses of our society, never to return. Some have strayed off into the pinelands of New Jersey, or the Rocky Mountains of Colorado or Montana, or the barrens of Wyoming, or the streets of New York, Chicago, Los Angles, Philadelphia or any other place where they can blend into the background of this erstwhile accusatory society. (Especially those from <st1:country-region>Nam</st1:country-region>).

We now are facing yet another round of returning hero’s from a land of sand and blood and many things which are completely foreign to out perception of good and evil, or society as we understand and accept. It gives pause to each of us, to reflect on the condition and potential reactions of these people.

If, in fact, the trauma room Doctor or Nurse, or the Paramedic, or Police Officer or EMT or Fireman can deal with the daily tasks which they face, should we not be able to do the same?

Understand this, my friends; we deal with the same identical issues that the above referenced trades deal with. Sometimes it is only one a day, and other times it is 10 per day.

Perhaps we do not risk our lives in fighting a fire, using the “jaws of life” to extricate someone from a vehicle, face an individual with a firearm pointed at us, or use all of the medical training we have to save a life, but we do sometimes deal with the stress that is associated with the claimant that has lost everything they ever had. We deal with the stress of having to assure the claimant that we will do all in our power to lessen their personal losses.

We can NEVER know how they feel, nor can we even assume that we can know this. We are not the ones that have lost everything, their home, possessions, photographs, mementos, souvenirs, childhood toys and memories.

Yet, we do deal with each of these things, in our minds. We do feel their pain, we do think about what has happened to them. We do imagine what we MAY feel like if the same thing occurred in our lives. This is what is called STRESS.

The simple word stress is not unkindly, nor is it meant to be, in this proffered venue, a direct cause of the potential killer. The root of this article is for each and every one to become aware of the underlying, untold, and insufferable causes of the duties and actions of this profession.

Have you ever come home from a gig and found yourself sleeping 10-12-14 hours a day? Have you ever found yourselves becoming short, argumentative or resentful of your significant other, wife, children, parents or friends? This translates to STRESS.

No matter the cause, how long the gig, how difficult the work, we do it because we enjoy it, like to assist where we can, like to return the claimant to their just conditions and simply “do the right thing”.

There is a price for what we do, those that hire us, pay for our services, and we do enjoy these benefits. But there is a much higher price we and our families and friends pay. That price is watching us deteriorate before their eyes. Seeing us as we now are, instead of what we were before we were “deployed”. To my old mind there is little difference between WWII, <st1:country-region>Korea</st1:country-region>, and <st1:country-region>Nam</st1:country-region>, <st1:country-region>Iraq</st1:country-region> or any other warfront to which we could have been, or were, deployed to, and what we now do.

The object matter is to realize and fully comprehend what we do, why we do it and what the ensuing results may be. We are here to assist people in their time of need, we are here to lessen the trials and tribulations they are facing, and we are here to do all we can to make life more endurable for them.

Please remember the objective of this difficult adjusting life. Do all you can to help, be all you can be, and take off the adjuster hat when you get back? It is not easy, by any stretch of the imagination, but it may save you from some very serious personal difficulties with your family, children, friends and acquaintances.

In all the years that have been devoted to this profession there has only been one (1) person that I am aware of that had ever addressed this issue, and it was totally ignored.

Now having become an erstwhile victim of PTSS, after “Katrina” it is time I “fessed up”

Please do not let STRESS become your personal “KILLER”

Please note Dave passed away on July 30th, 2009.  RIP

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Sketch My Roof

From the KB

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

....

In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than
newer construction to ensure that moisture hasn’t seeped into the walls that will eventually result in mold and interior wall rot. If adjusters do not look for moisture build-up trapped inside the wall, then this damage could be missed, causing mold and rot to proliferate and resulting in bigger problems for homeowners in the future.

...

Hurricane and Windstorm Deductibles

The source of the information below is the Insurance Information Institute, iii.org

Nineteen states and the District of Columbia have hurricane deductibles: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia and Washington DC. Listed below are reports for these states detailing hurricane deductibles.

 

Historical Hurricane Tracks

Subject: Historical Hurricane Tracks
Description: The Historical Hurricane Tracks tool is an interactive mapping application that allows you to easily search and display Atlantic Basin and Eastern North Pacific Basin tropical cyclone data. 

Source: NOAA Climate.gov 
 

Some Notable Cane Activity since we have been online

2012

Hurricane Sandy (unofficially known as "Superstorm Sandy") was the deadliest and most destructive hurricane of the 2012 Atlantic hurricane season, as well as the second-costliest hurricane in United States history. Classified as the eighteenth named storm, tenth hurricane and second major hurricane of the year, Sandy was a Category 3 storm at its peak intensity when it made landfall in Cuba.[1] While it was a Category 2 storm off the coast of the Northeastern United States, the storm became the largest Atlantic hurricane on record (as measured by diameter, with winds spanning 1,100 miles (1,800 km)).[2][3] Estimates as of March 2014 assess damage to have been over $68 billion (2013 USD), a total surpassed only by Hurricane Katrina.[4] At least 286 people were killed along the path of the storm in seven countries. From Wikipedia, the free encyclopedia
Photos - Discussions: Sandy Disscussion -

2011

Hurricane Irene, the storm slowly leveled-off in intensity as it struck the Bahamas and then curved northward after passing east of Grand Bahama. Continuing to weaken, Irene was downgraded to a Category 1 hurricane before making landfall on the Outer Banks of North Carolina on August 27, becoming the first hurricane to make landfall in the United States since Hurricane Ike in 2008. Early on the following day, the storm re-emerged into the Atlantic from southeastern Virginia. Although Irene remained a hurricane over land, it weakened to a tropical storm while making yet another landfall in the Little Egg Inlet in southeastern New Jersey on August 28. A few hours later, Irene made its ninth and final landfall in Brooklyn, New York City. Early on August 29, Irene transitioned into an extratropical cyclone hitting Vermont/New Hampshire after remaining inland as a tropical cyclone for less than 12 hours. From Wikipedia, the free encyclopedia
Photos - Discussions:

2008

Ike developed a large wind field as it moved northwestward across the Gulf of Mexico over the next 3 days, with tropical-storm-force winds extending up to 275 miles from the center and hurricane-force winds extending up to 115 miles from the center. The hurricane gradually intensified as it moved across the Gulf toward the Texas coast. Ike made landfall over the north end of Galveston Island in the early morning hours of September 13 as a Category 2 hurricane with maximum sustained winds of 110 mph. The hurricane weakened as it moved inland across eastern Texas and Arkansas and became extratropical over the middle Mississippi Valley on September 14. It then moved rapidly through the Ohio valley and into Canada, producing wind gusts to hurricane force along the way. Source: NOAA

2005

Hurricane Katrina Was the deadliest and most destructive Atlantic tropical cyclone of the 2005 Atlantic hurricane season. It is the costliest natural disaster, as well as one of the five deadliest hurricanes, in the history of the United States. Katrina is the seventh most intense Atlantic hurricane ever recorded, part of the 2005 season that included three of the six most intense Atlantic hurricanes ever documented (along with #1 Wilma and #4 Rita). At least 1,833 people died in the hurricane and subsequent floods, making it the deadliest U.S. hurricane since the 1928 Okeechobee hurricane; total property damage was estimated at $108 billion (2005 USD),[1] roughly four times the damage brought by Hurricane Andrew in 1992. From Wikipedia, the free encyclopedia
Photos Discussions: 

2004

The 2004 Atlantic hurricane season was the costliest Atlantic hurricane season, until the following year. More than half of the 16 tropical cyclones brushed or struck the United States. The season officially began on June 1, and ended on November 30. Due to a Modoki El Niño – a rare type of El Niño in which unfavorable conditions are produced over the eastern Pacific instead of the Atlantic basin due to warmer sea surface temperatures farther west along the equatorial Pacific – activity was above average. The first storm, Alex, developed offshore of the Southeastern United States on July 31. It brushed the Carolinas and the Mid-Atlantic, causing one death and $7.5 million (2004 USD) in damage.[nb 1] Several storms resulted in minor impact, including tropical storms Bonnie, Earl, Hermine, and Matthew. In addition, hurricanes Danielle, Karl, and Lisa, Tropical Depression Ten, Subtropical Storm Nicole and Tropical Storm Otto caused no impact on land while tropical cyclones. From Wikipedia, the free encyclopedia

2003

Hurricane Isabel was the costliest, deadliest, and strongest hurricane in the 2003 Atlantic hurricane season. The ninth named storm, fifth hurricane, and second major hurricane of the season, Isabel formed near the Cape Verde Islands from a tropical wave on September 6 in the tropical Atlantic Ocean. It moved northwestward, and within an environment of light wind shear and warm waters it steadily strengthened to reach peak winds of 165 mph (265 km/h) on September 11. After fluctuating in intensity for four days, Isabel gradually weakened and made landfall on the Outer Banks of North Carolina with winds of 105 mph (165 km/h) on September 18. It quickly weakened over land and became extratropical over western Pennsylvania the next day. Source: Wikipedia Photo Credit: Jacques Descloitres, MODIS Rapid Response Team, NASA/GSFC
Discussions: 458,000 ISO- Hurricane Isabel Claims, "Isabel", is a Hot Potato headed behind? and more..

2024 Atlantic Hurricane Storm Names

  • Alberto
  • Beryl - CENTER OF BERYL MAKES LANDFALL NEAR MATAGORDA TEXAS at 4AM 7/8
  • Chris
  • Debby - DEBBY MAKES LANDFALL NEAR STEINHATCHEE FLORIDA at 7AM 8/5
  • Ernesto
  • Francine - Made landfall as a Category 2 storm on 9/11 near Cocodrie and Morgan City, in Terrebonne Parish, Louisiana
  • Gordon
  • Helene - Made landfall in the Florida Big Bend area as a Cat 4 Hurricane at 1120 PM EDT Sep 26 2024
  • Isaac
  • Joyce
  • Kirk
  • Leslie
  • Milton - Made Landfall Near Siesta Key Florida as Cat 3 Hurricane at 830 PM EDT Wed Oct 09 2024
  • Nadine
  • Oscar
  • Patty
  • Rafael
  • Sara
  • Tony
  • Valerie
  • William

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Cane Categories

  • Cat 1 Hurricane
    - Sustained Winds 74-95 mph
  • Cat 2 Hurricane
    - Sustained Winds 96-110 mph
  • Cat 3 Hurricane
    - Sustained Winds 111-130 mph
  • Cat 4 Hurricane
    - Sustained Winds 131-155 mph
  • Cat 5 Hurricane
    - Sustained Winds greater than 155 mph

About

The Storm Page, this is the CADO version of a weather page. On this page we provide information on current weather events, links to weather sites and weather related discussions. All adjusters are invited to share weather information by posting it in the forum or adding your favorite weather links to the Resource Directory. Also, if you have photos of weather related damage please share them by adding them to the Photo Gallery.

 

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