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Last Post 05/12/2012 11:46 AM by  WILLIS
What do you all think of flood Adj.
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Jackobie
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02/11/2012 11:39 PM

    Just wnet through the NFIP - FEMA class and just wanted to know if it was worth it , did the auto course and you don't need the flood for that so here I 'am like some info on the subject

    Thanks

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    okclarryd
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    02/17/2012 11:04 AM
    Any education is "worth it".

    No, you don't need a flood certification for auto as it is a covered loss.

    Just exactly what subject would you like some info on? (Yeah, I know.......don't end a sentence with a preposition)
    Larry D Hardin
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    CATdawg
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    02/19/2012 8:07 PM

    Larry,

    Sentences ending with a preposition should be the least of our worries, judging from the quality of inquiries from many of those wishing information about entering the claims industry.

    My posts over the years have often been indecipherable, but at least they have generally been free of the most egregious typographic and grammatical errors.

    Some of the recent requests for information have left me scratching my head in perplexity.

    Lee Norwood, aka "CATdawg"
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    okclarryd
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    02/22/2012 9:28 AM
    Well stated, Lee.

    You need to unleash your vocabulary more often.

    Happy Trails
    Larry D Hardin
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    CATdawg
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    02/23/2012 2:18 AM

    Larry,

    I am delighted that you have replied to my recent posts. You are one of a (diminishing, ie: Ray and Tom) few here that I consider not only knowledgeable in claims, but also in Life and general learning. Your intelligence, humor, wit, and insights can only be appreciated by one who has followed your posts for (in my case six) years. Thank you.

    Lee Norwood, aka "CATdawg"
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    CatAdjusterX
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    02/24/2012 6:16 PM
    Posted By CATdawg on 23 Feb 2012 02:18 AM

    Larry,

    I am delighted that you have replied to my recent posts. You are one of a (diminishing, ie: Ray and Tom) few here that I consider not only knowledgeable in claims, but also in Life and general learning. Your intelligence, humor, wit, and insights can only be appreciated by one who has followed your posts for (in my case six) years. Thank you.

    Wow, Lee!! I think I threw up in my mouth...just a little!! But I would also agree that Larry is all the things you spoke of and more(and a veteran to boot!!!)

    Well said my friend!

    "A good leader leads..... ..... but a great leader is followed !!" CatAdjusterX@gmail.com
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    CATdawg
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    02/25/2012 8:43 AM
    Robbie, sorry about your close encounter with gastric expectoration. I'll try to keep my posts a bit less enthusiastic or maudlin, as I would hate for them to be the causation of reflux disease!
    Lee Norwood, aka "CATdawg"
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    okclarryd
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    02/27/2012 10:32 PM
    Let me warn all of you..........................

    Do NOT get into a battle of words with Lee. You won't like how it turns out.

    Happy Trails
    Larry D Hardin
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    Goldust
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    03/01/2012 11:16 AM
    The best thing about flood adjusting is you can double up on your claim count sometimes .Especially in a Hurricane situation where there is wind and flood on the same property.
    the down side is the amount of paperwork involved and flood claims are usually slow pay.Especially when you do commercial.
    JERRY TAYLOR
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    Goldust
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    03/01/2012 11:17 AM
    The best thing about flood adjusting is you can double up on your claim count sometimes .Especially in a Hurricane situation where there is wind and flood on the same property.
    the down side is the amount of paperwork involved and flood claims are usually slow pay.Especially when you do commercial.
    JERRY TAYLOR
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    CatAdjusterX
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    03/01/2012 7:25 PM

    Posted By Montana Goldust on 01 Mar 2012 11:16 AM
    The best thing about flood adjusting is you can double up on your claim count sometimes .Especially in a Hurricane situation where there is wind and flood on the same property.
    the down side is the amount of paperwork involved and flood claims are usually slow pay.Especially when you do commercial.

     

    Jerry, that makes sense but wouldn't that only apply where the insured has a combo policy (IE....Allstate/State Farm) ? When I saw a ton of those exact situations during Katrina (the first storm I was allowed to write my own claims) I wasn't NFIP certified. However, they let me write them anyway provided that one of our more senior adjusters who was NFIP certified looked over my work(estimate and photos) and signed off on the completed product.

    I actually find flood claims easier(agreed there is more paperwork)  than a wind claim if only  for R/Replace almost anything below the water line and two feet above(IE as it relates to drywall and the like). Crank up the Ipod(ear buds of course) with some Pink Floyd (Dark side of the moon) and just get into a groove and do my thing. Dare I say almost relaxing.

    For whom were you doing flood claims? What are your thoughts on actually adjusting flood claims (aside from the slow pay)?   



    "A good leader leads..... ..... but a great leader is followed !!" CatAdjusterX@gmail.com
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    CatAdjusterX
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    03/01/2012 8:06 PM
    Posted By Montana Goldust on 01 Mar 2012 11:17 AM
    The best thing about flood adjusting is you can double up on your claim count sometimes .Especially in a Hurricane situation where there is wind and flood on the same property.
    the down side is the amount of paperwork involved and flood claims are usually slow pay.Especially when you do commercial.
    Hi Jerry, I have been told by a long time acquaintance that she is doing quite a few flood claims in....Montana. Have you been doing any of these?

    "A good leader leads..... ..... but a great leader is followed !!" CatAdjusterX@gmail.com
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    ChuckDeaton
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    03/01/2012 11:17 PM
    Robby, if you had time to fire up your headphones on Katrina flood claims, you don't understand the process.

    "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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    CATdawg
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    03/02/2012 12:36 PM

    I've always thought that "pre-FIRM" and "post-FIRM" seem rather disreputable terms in such a conservative industry, more suitable perhaps to a romance novel. It just goes to show that the government is made up of human beings, at least some of whom possess senses of humor.

    On a more serious note, those with whom I've spoken who have worked flood claims seem to be almost evenly-divided between those who enjoy them and those who don't. I would be lying if I stated that I've detected particular shared characteristics in either group, but certainly one must have patience with a blizzard of forms. My guess is that those who are used to more-than-casual reading and writing will find the file requirements less daunting than others. If ones idea of a log is, "Received claim, Inspected risk, Uploaded report", one will probably be in trouble.

    Maybe this will be the year I will find out for myself. When I sent in my application, at the part that asked for "number of years of experience" I wrote in, "see addendum", the addendum being my resume. Apparently this was sufficient, as I now have a license.

    I have an advantage over many adjusters who, like me, live in the Dallas/Ft. Worth area. I grew up in Wash., DC, so I know what a basement is.

    Lee Norwood, aka "CATdawg"
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    CatAdjusterX
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    03/02/2012 6:48 PM
    Posted By ChuckDeaton on 01 Mar 2012 11:17 PM
    Robby, if you had time to fire up your headphones on Katrina flood claims, you don't understand the process.

    Ah but I must disagree Chuck. Flying through claims (regardless of the backlog) is a recipe for even MORE work on reopens for everything "missed" on the first go around and invites other "varmints" (IE public adjusters/plaintiff attorneys) to get involved. Granted I have since learned that regardless of how well a file is documented the first time, that doesn't ensure a claim being re-opened

    I was taught from day one that the "process" was to scope the risk right...the first time. What good is it to scope 10 risks a day if more than half are reopened, you aren't gonna get paid anyway?

     

    Right or wrong, I am still here.  

    "A good leader leads..... ..... but a great leader is followed !!" CatAdjusterX@gmail.com
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    okclarryd
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    03/03/2012 8:38 AM
    To each, his own.

    I find that I do better file work if I snack on something and wash it down with mild adult beverages. I don't like loud music of any kind but I like music. I can't watch tv and write up files so I catch up on the Weather channel while I'm having supper then to the paperwork.

    And, it seems like interruptions always come at the wrong time.

    Happy Trails
    Larry D Hardin
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    olderthendirt
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    03/03/2012 1:02 PM
    I have to have the TV on, or music, it seems to help me focus on the files. But thats me, every one is different.
    Life is like a sewer, what you get out of it depends on what you put in it
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    Roy Estes
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    03/04/2012 1:39 PM
    Posted By Jack on 11 Feb 2012 11:39 PM

    Just wnet through the NFIP - FEMA class and just wanted to know if it was worth it , did the auto course and you don't need the flood for that so here I 'am like some info on the subject

    Thanks

    **********************************************************************************************

    Hey Jack, good question.

    There is definately a need for "GOOD" flood adjusters, The fee schedules are Awsome. The paperwork kind of sucks, until you find your nitch and process.

    I like the SAP adjusting, and larger flood claims Commercial and RCBAB, Having worked many flood claims in the past and recently, I have learned the preferred Software, and how to manage through the paperwork with the paperwork process in my process from the 1st contact.

    I would reccomend getting with a veteran flood adjuster, and at the end of the day you will be very well acclimated to the paperwork, and be able to create you own workflow process. A good flood adjuster will always have work.

     

    "Each of us as human beings has a responsibility to reach out to help our brothers and sisters affected by disasters. One day it may be us or our loved ones needing someone to reach out and help." RC ESTES
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    ChuckDeaton
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    03/06/2012 7:37 PM
    I will have to say that handling NFIP flood claims without an FCN # and certification is a choice I choose not to make. I certainly would not use a public forum to brag about my actions.
    "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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    StormSupport
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    03/08/2012 2:33 PM

    No need to mention the need for licensure, experience and knowledge.  Also the need for humility and the ability to listen...Those are all critical tools for adjusting any claim.  Anyone with common sense and a bit of life's wisdom knows that!

    I will however, mention something no one seems to talk about....the need for Safety!!!!!!! 

    Traveling back from the last of my flood claims back in November, I was involved in a serious automobile accident which landed me in the hospital for 10 days, 5 of which I was unconscious.  I didn't think anything of getting  up early, driving to the coast (4.5 hrs) doing my inspections and driving back the same day.....Well, that plan didn't work out, and it took me 10 extra days to get home and 4+ months of recovery!  Lucky to have woken up at all!  I don't remember what happened, it was a single car accident and I guess I just fell asleep. 

    PLEASE!!!!!! PLEASE!!!!! Be careful out there!!  Take time to rest and don't push yourself beyond your abilities!  I thought I was wide awake and fine, but apparently I wasn't, and am now paying the price for either arrogance or poor judgement (not sure which!!)  Anyway, the point is, TAKE CARE OF YOURSELF, no matter what the claims volume and the pressure to "get 'er done", you can't handle the claims from the hospital room!!

    Take care and be well!

    ~Meg~

    Do the right thing, ALWAYS
    ~Meg~
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