Posted By Jud G. on 12/01/2013 10:10 PM
What if federalization produced a test that was so rigorous that adjusters would have to undergo a 'claims-specific' apprenticeship in order to prepare for it?
If something like this happened, would you feel any different about the bill?
I might. Let's look at the situation now:
Anyone can secure an adjuster license with relative ease. If their state requires a certain amount of education prior to licensing, they can go to a test preparation class that counts as that education, and take the test in a week. In my home state, you don't even have to do that; you can just go take the test.
This is not a field with little responsibility or accountability, as I am sure we all know. We are literally not only appraising the value of a risk (with ITV or Co-Insurance reports), but we are taking it a step further and also determining how to make people whole again through BI, BPP, ALE, Loss of Rents and so on.
In essence, we as adjusters must act as appraisers, accountants, salvors and multi trade professionals (electricians, plumbers, carpenters, GC's and so on). The majority of these trades require a certain level of experience and proficiency prior to actually becoming licensed. Most states have a 2 year apprenticeship to be a real estate appraiser and the skilled trades are even more regulated. A number of states say "2 years and an electrician or plumber allows you to be a residential journeyman, while 4 years are required to be a commercial journeyman". Accountants and salvors are really the only ones out of the bunch that do not require an apprenticeship in most states.
Do you know how many resumes my office gets when I go posting my ads just here and on ClaimsPages? Care to take a guess what percentage of them represent themselves as "experienced" adjusters with less than 2 years and only a handful of claims under their belt, if that? As a homeowner and business owner, I certainly believe that if I do file a claim with my carrier, I am entitled, at the minimum, to a professional taking a look at whatever it is I happen to be presenting. As the owner of an adjusting firm, I believe that the same professionalism that I would expect from my insurance carrier(s) should be a mandatory facet of the claims process. I don't want some random noob who just got licensed trying to figure out how my buildings are constructed so that they can generate an incomplete estimate or a bad report, and I think that every insured feels the same way and deserves a professional adjuster when a claim is filed.
I am usually the last person in the world to call for new regulations, so please understand that I do not make such statements lightly.
on 12/02/2013 12:47 AM
when you state "true reciprocity" between the states, are you referring to simply recognizing said non-resident adjuster is a licensed professional from their home state and as such they are qualified to work in our state as well (without the need of a non-resident license)? I imagine most states would not want to forego that stream of revenue, but stranger things have happened