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WilburBarnes63026
14 Posts |
 Posted - 04/12/2004 : 22:55:07
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Alan,
I first thought of that too. I went to the Texas D.O.I. web site and it clearly states that out of state adjusters working a common catastrophe to the area do NOT have to have a Texas license, other than registering for a $20.00 emergency registration. So in fact, a Texas license is not required to work a cat in Texas, is it? |
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khromas
USA
103 Posts |
Posted - 04/13/2004 : 07:41:43
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Wilbur,
The key is that you have to be licensed somewhere in order to get the emergency registration option. The Texas license process is fairly simple and straightforward so that is why it is so popular to use on a national basis for reciprocity. |
Kevin Hromas |
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WilburBarnes63026
14 Posts |
Posted - 04/13/2004 : 08:52:23
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Now I'm truly mixed up, this was taken from the Texas D.O.I. site this morning:
Print Version
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Agent / Adjuster
Catastrophe or Emergency Adjusters In Texas; Reciprocal Licensing of Non-Resident Adjusters
1. Nonresident insurance adjusters exemption: Nonresident insurance adjusters do not have to be licensed in Texas when acting as a temporary substitute for a licensed adjuster for the adjustment of losses arising out of a catastrophe common to all such losses.
2. Individuals not otherwise licensed as adjusters may be emergency adjusters: In the event of a catastrophe, an emergency adjuster license may be issued to residents or nonresidents of Texas who may or may not be otherwise licensed adjusters.
3. 90 day period: The emergency license will remain in force for 90 days with an allowable 90 day extension.
4. Emergency Adjusters not required to receive a Texas license before commencing work: Within five days of any applicant commencing work, the employer shall submit an application for the emergency adjuster. The emergency adjuster does not have to receive a Texas adjuster license before beginning work as an emergency adjuster.
5. Emergency adjuster applications given first priority in processing: Emergency adjuster applications are processed on the day received ahead of all other applications.
6. Applications and license status is available on the Internet: Our website contains a copy of the application for licensing and displays the status of individual licensees. The website location is: www.tdi.state.tx.us
Article 21.07-4 Sec. 2. (a) of the Texas Insurance Code: "No person shall act as or hold himself out to be an adjuster in this state unless then licensed therefor by this state, except that an individual, who is undergoing education and training as an adjuster under the direction and supervision of a licensed adjuster, may for a period not exceeding 12 months act as an adjuster without having an adjuster's license, if at the beginning of such training period, the name of such trainee has been registered as such with the commissioner. No license shall be required under this article of a nonresident insurance adjuster for the adjustment in this state of a single loss, or losses arising out of a catastrophe common to all such losses, or who is acting as a temporary substitute for a licensed adjuster, unless as outlined specifically in a separate section of this law."
Catastrophe or Emergency Adjusters
Article 21.07-4 Sec. 5 of the Texas Insurance Code: "In the event of a catastrophe or emergency which arises out of a disaster, act of God, riot, civil commotion, conflagration or other similar occurrence, the commissioner shall, upon application, issue an emergency license to persons who are residents or nonresidents of this state and who may or may not be otherwise licensed adjusters. Such emergency license shall remain in force for a period not to exceed 90 days, unless extended for an additional period of 90 days by the commissioner. The applicant must be certified by (i) a person licensed under the provisions of this Act, or by (ii) an insurer which maintains an office in this state and is licensed to do business in this state. The licensed adjuster or insurer who certifies said applicant under the provisions of this section of this Act shall be responsible for the loss or claims practices of the emergency license holder.
Within five days of any applicant commencing work as an adjuster hereunder, the employer of such adjuster shall certify to the commissioner such application without being deemed in violation of this Act, provided that the commissioner may, after notice and hearing, revoke said emergency license upon the grounds as otherwise contained in this Act providing for revocation of an adjuster's license.
The fee for an emergency license shall be in an amount not to exceed $20 as determined by the board and shall be due and payable within 30 days of the issuance of such emergency license."
My home state does not require a license for adjusting to begin with, nor do several other states. So I'm still wondering why Eberl's is making it a requirement before they will call you out?
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Catmannn
42 Posts |
Posted - 04/13/2004 : 09:14:33
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Wilber,
Save our time and CALL THEM AND ASK!!!!!!!!!!
Houtz |
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Admin
547 Posts |
Posted - 04/13/2004 : 09:43:27
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quote:
The applicant must be certified by (i) a person licensed under the provisions of this Act, or by (ii) an insurer which maintains an office in this state and is licensed to do business in this state. The licensed adjuster or insurer who certifies said applicant under the provisions of this section of this Act shall be responsible for the loss or claims practices of the emergency license holder.
You are still required to have an emergency license. The last emergency apps I saw required the signature of a licensed adjuster. In small deployments it is easier to use licensed adjusters.
[Edit]
It should also be noted that the emergency license is only available in a declared cat. Cat adjusters may be deployed to an event but until it meets the catastrophe rule of the state, emergency license may not be available. |
Roy Cupps -
CatAdjuster.org :: Contact\Feedback :: Adjuster Roster :: Current Forum |
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WilburBarnes63026
14 Posts |
Posted - 04/13/2004 : 10:04:52
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Admin, Thank you very much for the help.
Catmann, Sorry I wasted any of your time. Appreciate the polite and insightful help you offered. |
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Todd Summers
USA
99 Posts |
Posted - 04/13/2004 : 11:30:34
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Wilbur,
Catmann's reply was short, sweet and to the point.
However, I submit that calling them and asking may even be a waste of your time because I am certain that they will give you a reasonable and logical answer to your question. Besides, you already know it is one of their requirements. They also require 3 years experience and certifications to work State Farm and Farmers claims (not sure if Safeco has cert requirements).
Every vendor has different requirements. If you want to work for any particular one, then find out what their requirements are and give them what they want.
Besides all that, having a Tx license will open other doors for you as well. Most states accept it in reciprocity.
Hope this helps. Good luck and hope to see you out on an Eberls storm site soon! |
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Todd Summers
USA
99 Posts |
Posted - 04/13/2004 : 11:49:32
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Alanporco,
you originally posted the following...
"I've never worked for them (and probably won't because I've heard they were very upset about the topic I started inquiring about paying to go to their conference),"
Whoever you heard that from was wrong and just didn't hear their replies correctly. Yes, they did speak of it at the conference and they were pleased with the opportunity to show the value of their conference. It offered a wide variety of courses and CE credits all at one event and for a low registration fee, and the chance to meet and greet each other in a non cat environment. If anything, I think they were happy that you brought it up.
I hope to see you on an Eberls storm site soon, too! |
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Johnd
USA
110 Posts |
Posted - 04/13/2004 : 17:31:32
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Topic = The Rising Cost of Insurance.
You bet. I just received my renewall notice for my HO Policy and found the premium had increased by $157.00 a year. After I called the company, they said it was because of "Mold, Wet & Dry Rot, etc" and they had to increase their rates. In Arizona the average humidity level hovers around 8% most of the year and these problems are only found in commercial buildings with large swamp coolers. If this is what happens to the rates in Arizona, I shudder to think of what happened in Texas, Louisiana, and the rest of the south. Looks like MOLD IS REALLY GOLD, for the insurance companies.
I am seriously thinking of self insurance on my home as the rates have doubled in the past three years. AND, I have had NO CLAIMS. |
John Durham
sui cuique fingunt fortunam |
Edited by - Johnd on 04/13/2004 17:33:37 |
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alanporco
USA
112 Posts |
Posted - 04/13/2004 : 18:01:41
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Todd Summers: Thanks for your post. It is good to hear that Eberl's wasn't upset. I hope to see you at an Eberl's storm, too. (Right now I'd take anybody's storm)
My HO premium increased about $600, about a 60% increase. I live in CA. I've had no claims. In fact, we were discouraged by the agent to turn in a claim for wind damage to our solar water heaters saying if we did our rates would increase. No claim made, rates up anyway.
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Edited by - alanporco on 04/13/2004 18:06:11 |
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KileAnderson
USA
875 Posts |
Posted - 04/13/2004 : 18:03:25
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| There was no problem with mold in Louisiana because first of all we have the correct language in the policy and second of all we don't have any PAs to speak of so they aren't around muddying up the waters. |
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trader
USA
236 Posts |
Posted - 04/13/2004 : 18:15:32
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| Kile: In good old Texas it was the good old water remediation contractors that got the ball rolling. The same one,s that all the agents call for the wet carpet claims. |
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KileAnderson
USA
875 Posts |
Posted - 04/13/2004 : 18:42:21
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| I heard it was a PA and an insane jury in south Texas that really got it going. |
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KileAnderson
USA
875 Posts |
Posted - 04/18/2004 : 09:54:06
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If you need more evidence for the need of tort reform just check out this story from CNN.
http://www.cnn.com/2004/LAW/04/18/coors.suit.ap/index.html
19 year old boy gets drunk, drives off in his girlfriends car and hits a light pole at 90mph.
Boys mom sues the girl who owned the car, the mother who gave the car to the girl, and Coors because they made the beer that the boy drank.
The boy in question is an adult. 19yrs old is considered an adult everywhere in this country. He wilfully broke the law and took his life into his own hands and his mommy thinks everyone else is at fault. That is the major problem this country faces today. No one is responsible for their own actions. |
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olderthendirt
USA
370 Posts |
Posted - 04/18/2004 : 10:28:37
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It accused Coors of "glorifying a culture of youth, sex and glamour while hiding the dangers of alcohol abuse and addiction."
So are you saying that Coors doesn't do this. What is wrong with spreading liability around. The boy is certainly mainly in charge of his fate. But, why did the girl friend give her keys to an unlicensed kid full of beer? As to Coors, I await for truth in advertising. |
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"The rising costs of Insurance"
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