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Last Post 09/23/2012 10:46 AM by  olderthendirt
Texas Adjusters
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Ray Hall
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12/10/2009 12:52 AM

    I started and will finish my claim experience as a native Texan who was a property/liability adjuster for many years. This is a post like the blonde & Polock jokes.

    1. Why are there some many fat Texas Adjusters ? Simple, Texas has more adjusters than any other state.

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    Ray Hall
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    12/10/2009 12:57 AM

    2. How does the Texas adjusters measure a roof? A. some are so good and fast they can walk around the house and get the measurements.

     

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    SDENNIS
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    12/10/2009 3:46 AM
    Yes and most are probably sitting home just waiting for the phone to ring. Unless you are a new adjuster, then you are sitting home knowing the phone won't ring.... cause you may know construction and have all the needed license and more but you don't have the 2 to 3 yrs experience as an adjuster that companies want.
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    stormcrow
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    12/10/2009 9:45 AM
    How can you tell your adjuster is from Texas? He has to turn sideways to get his belt buckle through the door.
    I want to die peacefully in my sleep like my grandfather, not screaming in terror like his passengers.
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    Ray Hall
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    12/10/2009 12:04 PM

    Why don,t the Texas adjusters wear their new clothes on a storm instead of old clothes?

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    Ray Hall
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    12/10/2009 12:24 PM

    How many Applebys Resturants are required in a Texas city before you can start an Adjusters Training School ?

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    Medulus
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    12/11/2009 9:57 AM

    How do you know more Texans have received their adjusting license? 1. Cause you saw on the television that the factory laid some people off last week, or 2. The question pops up on CADO once again "I just got my Texas Adjusting license; what do I do now?"

    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    Ray Hall
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    12/14/2009 2:21 PM

    We all deal in stats and guesstimates each day. Howw many new adjusters have been deployed since 2005 after getting the most coveted Texas Adjusters License?

    0%

    1%

    10%

    More than 10%

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    RJortberg
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    12/14/2009 3:59 PM
    Ray- I'd guess 5 percent, and if it were not for Ike, I'd bet it would be under 1%. Ten percent seems kind of high since there was no other big event happening at the same time to soak up experienced adjusters. My $.02 anyway.
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    Medulus
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    12/15/2009 9:27 AM

    How many Texas Adjusters does it take to screw in a light bulb? Answer: Seven. One to hold the ladder. One out at the tree in the front yard tying off the rope and harness rig. One to climb the ladder and unscrew the light bulb. One to climb up the ladder and screw in the new light bulb. One to handle disposal of the old light bulb. Plus a vendor to take his/her 40% cut and a general contractor because more than three trades are involved.

    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    Joe60
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    12/15/2009 12:29 PM

    Steve,

      You forgot about the guy selling classes with CE credits.

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    RJortberg
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    12/16/2009 12:17 AM

    Respectfully, Steve, I think it might be 7 plus another adjuster to drive the pick up truck (minimum charge) to dispose of the bulb since the first one has ongoing mitigation duties associated with the residence, or 8 if you need someone to bring the 40 cubic yard container for disposal if its a pretty big bulb.

    Somewhere you also need more adjusters to handle the matching problem since not all of the bulbs will look the same from the same elevation once you change one bulb since most Texas adjusters know that we owe to match. Then, there are going to be workman's comp issues related to the burns that are no doubt going to occur for changing multiple bulbs since 1) this is a slow time, and 2) unemployment does not last long, but 3) workman's comp injuries can be real gold mines for things like burned fingers, especially if its one's writing hand. So it's 7 or 8 adjusters per bulb x the adjusters for the matching factor plus the displacement factor for those w/ workman comp injuries. In fact, we may read in the DMA reports about future workman comp abuses related to this issue.   

    Also agree that the training school adjuster should not be left out.  In fact, the training for this sub-set of adjuster skills is quite valuable.  Those with this specialized training will be guaranteed to keep busy 365 days a year, even on the 4 key dates of the year.   These well-trained adjusters will be highly sought after by the top shelf vendors and carriers.    Certain employment agencies will now have ammunition for their claims that they actually do need x more adjusters to fill this new specialty, even in North Dakota. 
     

    Finally, we need to account for the indirect demand for the employees associated with the state licensing system. As we know, these are  exhaustive agencies in their due diligence as to licensing, and numerous employees are needed to run the printers at the these licensing departments (note these are not investigative positions however).   This direct and indirect employment is important in establishing premium pricing for many carriers (given that there are an almost infinite number of staff adjuster positions for newbies).   Finally, there must be some indirect employment for database analysis to verify that the costs integrated into the major programs accurately reflect the costs incurred for this zip code.  We do not want this to be a mold gold or water sucker bonanza.   In fact, I understand that there is a device to test the reliability of the light bulb that will be a required purchase of most adjusters to verify the extent of damage, and a certain engineering company is now developing tests and articles which state the degree to which the light bulb may have been damaged from pre-existing or installation circumstances which may result in subrogation possibilities, but that indirect employment is not to be included in the thought provoking question you posed.   Happy holidays everybody :) 


     

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    Ray Hall
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    12/16/2009 12:48 AM

    Let up you two . You both know full well most of the Texas adjusters were trained by other Texas adjusters who were related or trained in one of  theTexas Adjusting Schools. The instructors tell the students on the first question and answer session on the first day...... "thats not how I was trained" and on the 3rd and last day the last words of wisdom sounds like a benediction....  "if they have replacement cost coverage AND it is too old to repair....total it out"...

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    Ray Hall
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    12/16/2009 12:50 AM
    Lets get this back on topic. Why do Texas adjusters wear the oldest clothes they have on storms, instead of newer clothes?
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    stormcrow
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    12/16/2009 8:13 AM
    Texas adjusters have newer clothes?
    I want to die peacefully in my sleep like my grandfather, not screaming in terror like his passengers.
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    Medulus
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    12/16/2009 9:45 AM

    Joe and Rich,

    I stand corrected. I had not considered the full scope of repairs. Back to 'justin' school for me! Anybody know a good 'justin' school in Texas?

    Ray,

    I thought our discussion WAS on topic!

    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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    Ray Hall
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    12/16/2009 4:22 PM

    Yes sir some Texas Adjusters have new clothes and I will wear mine on the next storm.

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    FloridaBoy
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    12/17/2009 1:09 PM

    Texas license? Florida raises the bar. Obtain a Professional Clams Adjuster designation with no exam.

    http://centralinsuranceschool.com/ClaimsInfo.aspx?

    I'd rather have a great chicken fried steak.

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    Ray Hall
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    12/17/2009 4:57 PM

    Wow Texas schools have been put to shame, all of this is about $100.00 less than you can get this poop in Texas.

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    Medulus
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    12/23/2009 5:39 PM

    This thread needs to continue, even if I have to start making up Texas adjuster jokes. OK...here's one.

    What do you get when you cross a Jehovah's Witness and a Texas adjuster?

    Answer: Someone knocking at your door who was working at 7-11 last week.

     

    And....Rich....please get it right.  In Texas they drive pick em up trucks, not pickup up trucks.

    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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