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Last Post 09/27/2013 11:44 AM by  ChuckDeaton
Poor quality report writing
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Leland
Advanced Member
Advanced Member
Posts:741


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11/09/2011 2:59 PM
Some additional comments: I didn't do a PAYMENT RECOMMENDATION caption on this report, and I also didn't prepare a Statement of Loss. I usually do, but not with this carrier. Certain carriers like certain things. In my opinion it is difficult to properly judge the quality of the report if the reader is not familiar with how the carrier likes it. In my experience some file examiners think the way they like the report is the way it should be done for every carrier. This is rarely true. I have one carrier that expects me to make a coverage decision and write my own denial letters. I have another carrier that wants me to avoid making any comment re coverage. Some carriers expect me to send my estimate to the insured. Some get annoyed if I do. It is not fair to judge a report as poorly written report just because the adjuster is doing it the way he was taught for another carrier. Both the adjuster and file examiner need to first have a discussion on what the report should include.

I never use this sentence anymore:

The insured reports no recent plumbing work....

Now I am more likely to put:

The insured reports no recent plumbing work prior to this loss....

Another point regarding "key points" - it is important to resist the temptation to "fix" or improve the insured's comments.

For example, yesterday was Tuesday Nov 8th. If I interview an insured today, and he says "I called the plumber yesterday, on the 6th", here's how the "key point" should look:

the insured called the plumber "yesterday, on the 6th" *

*adjusters comment: "yesterday" from the date of the interview was actually the 7th of November, not the 6th as stated by the insured.

Whatever weird, nonsensical, incorrect things the insured says should be reported. Then make an asterisk with a note or just talk about it in the remarks.

Regarding cause of loss captions:

The cause of loss is often reported incorrectly, and/or a mystery.

Here's an example of how to handle that:

DATE/CAUSE OF LOSS

As shown on the loss report, the insured has claimed that space aliens were using his roof as a temporary washing station on January 1st, 2008. At this time the cause of loss is still under investigation, and we have shown it above as "undetermined". There are three possible causes of loss under investigation at this time: 1) possible vandalism from a garden hose inserted into the attic vent; 2) water overflow from the attic mounted AC unit condensation line; 3) water intrusion from deteriorated roofing during recent rains. The actual loss may also be from a combination of the suspected causes. It also appears that the reported date of loss may actually be the date of discovery by the insured and that the loss may have occurred over several months.

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Don't feel like the cause of loss has to be one word, like "water", or "fire". My example is really crazy but it is to prove a point. If the reported cause of loss is different from reality, say so. If there is more than one cause, say so. If the cause is undetermined, say so. If you aren't sure the date of loss is correctly reported, say so.

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pioromano
Guest
Guest
Posts:4


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09/25/2013 7:32 PM
I would love to have a copy of your report guidlines

Pioromano@gmail.com
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CatAdjusterX
Veteran Member
Veteran Member
Posts:964


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09/26/2013 2:01 AM
Posted By pioromano on 09/25/2013 7:32 PM
I would love to have a copy of your report guidlines

Pioromano@gmail.com

Pio,

report guidelines are unique to each carrier/vendor. However, one universal guideline is the use of spell-check.

(IE... guidlines )

"A good leader leads..... ..... but a great leader is followed !!" CatAdjusterX@gmail.com
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AcceleratedAdjuster
Member
Member
Posts:165


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09/26/2013 7:40 AM
Posted By CatAdjusterX on 09/26/2013 2:01 AM
Posted By pioromano on 09/25/2013 7:32 PM
I would love to have a copy of your report guidlines

Pioromano@gmail.com

Pio,

report guidelines are unique to each carrier/vendor. However, one universal guideline is the use of spell-check.

(IE... guidlines )



Robbie is correct. Spell check is your friend. He is also correct in stating that reporting standards (ours are not "guidelines"; they are hard and fast rules) differ by carrier and by vendor. For example, I know of a few firms that pay low percentages of the fee schedule and in return, they will take pretty much anything they can get out of the "adjuster" (I do use that term lightly). I have seen copies of these reports, and they generally consist of a poorly told story consisting of not more than a couple of paragraphs (if the "adjuster" is caffeinated when they write the report they might even bother to caption the paragraphs). Our firm, on the other hand, has some of the most rigorous reporting standards in the industry, and we pay (as far as I know) the highest percentage of fees in the industry. Others send out "partials" and just have the field adjuster perform a scope and send in their notes and photos for the vendor to use to generate a report. Everybody is different. The vast majority do prefer spell check though :).

www.acceleratedadjusting.com www.acceleratedadjustingisrael.com
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CatAdjusterX
Veteran Member
Veteran Member
Posts:964


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09/27/2013 4:38 AM
Posted By AcceleratedAdjuster on 09/26/2013 7:40 AM
Posted By CatAdjusterX on 09/26/2013 2:01 AM
Posted By pioromano on 09/25/2013 7:32 PM
I would love to have a copy of your report guidlines

Pioromano@gmail.com

Pio,

report guidelines are unique to each carrier/vendor. However, one universal guideline is the use of spell-check.

(IE... guidlines )



Robbie is correct. Spell check is your friend. He is also correct in stating that reporting standards (ours are not "guidelines"; they are hard and fast rules) differ by carrier and by vendor. For example, I know of a few firms that pay low percentages of the fee schedule and in return, they will take pretty much anything they can get out of the "adjuster" (I do use that term lightly). I have seen copies of these reports, and they generally consist of a poorly told story consisting of not more than a couple of paragraphs (if the "adjuster" is caffeinated when they write the report they might even bother to caption the paragraphs). Our firm, on the other hand, has some of the most rigorous reporting standards in the industry, and we pay (as far as I know) the highest percentage of fees in the industry. Others send out "partials" and just have the field adjuster perform a scope and send in their notes and photos for the vendor to use to generate a report. Everybody is different. The vast majority do prefer spell check though :).

.....................................................................................................................................

AA, what in the he11 are you trying to pull? You agree with something I said? Absolutely UNACCEPTABLE!

;-)

"A good leader leads..... ..... but a great leader is followed !!" CatAdjusterX@gmail.com
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ChuckDeaton
Life Member
Senior Member
Senior Member
Posts:1110


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09/27/2013 11:44 AM
Using a commercial program like Gramerly or White Smoke will assist.
"Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
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