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Last Post 10/25/2016 10:15 PM by  HuskerCat
Fire in CA
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BobH
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10/31/2007 12:19 AM
Posted By Steve Ebner on 10/31/2007 12:00 AM

That means the smart presidential candidates will be taking sidetrips from Iowa and New Hampshire to make sure they are seen among the people of California and make at least a pretense of serious concern. ...FEMA is likely to be more visible in California than it was in Mississippi

Does that mean we can expect the Red Cross Vans and MRE's? I will never forget them handing stuff to my Insured along Lake Ponchartrain, her Mercedes in the driveway, she takes it and offers it to the hired help (me).
Bob H
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Medulus
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10/31/2007 12:27 AM
Wait until they try to pull the Fema trailers in. I'm not sure mobile homes are even legal in the fire areas. They tend to the upscale.
Steve Ebner CPCU AIC AMIM

"With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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Tom Toll
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10/31/2007 10:25 AM

Steve is correct. I encourage new people to get into this business, as a lot of us ol timers, whether we want to admit it or not, are going to be out of the picture soon. I prefer to see a new adjuster take pride in what they are doing and quit concentrating on all that money they think they are going to make. If you do your claims properly and devote the necessary time to put out a good product, you will make a decent wage, not a retirement amount, however. I don't like adjusters that brag about how much money they have made, cause they are not telling the truth. Part of that income must go into savings for dry years, such as 06 and 07. I encourage young adjusters to seek help when questions arise. Don't do anything your not sure of. Learn construction and re building methodology. Learn your trade and you won't be considered a screw up. Yes, much was learned in Katrina, and many other cats. Independent will always be necessary. The cocky Farmers guy was just that, cocky. I lit into him pretty hard when he said we did not know what we were doing and made more money than he did. By the time I finished with him, he was ready to quit. I don't like uninformed, cocky, arrogant, egotistical people.

Success is not final, failure is not fatal: it is the courage to continue that counts.
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stormcrow
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10/31/2007 10:44 AM

Tom, I have to agree with you, new people are needed. But it doesn't take very long to figure out who isn't needed. Comments like "I just got my license and I am ready to works fire, who are the vendors"  or "the first thing I ask when I meet another adjuster is how many files have you closed, this tells me if they can adjust" and so many more gems of wit and wisdom. If you are new and can survive this drough, listen, learn, when you ask a question, make sure it is to the point. Posting just to see your name will get you known, many vendors read this site, and they remember.  Most of us have paid our dues to this industy, an in spite of what some believe, we are here for more then the money.  We feel a real dicotomy about watching storms. Instead of praying for a disaster, pray that when one happens you can be there to use your skills to allow people to start tompick up the pieces. That's enough rambling for this morning, back to work.

I want to die peacefully in my sleep like my grandfather, not screaming in terror like his passengers.
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buffaloe
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10/31/2007 12:32 PM
To all who have posted tips about tackling fire claims. I to am a new adjuster, I now have 3 yrs. experanice. My wife and I work as a team and love the challagenes we face. I've been asked to obtain certifacation for fire. I have had no luck finding any class type studies. So as I read CADO daily I find the Information I need. I THANK YOU ALL FOR YOUR POSTS. I would appreciate any info. on fire adjusting classes.
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BobH
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10/31/2007 12:53 PM

Who asked you to obtain a certification for fire? Ask them what they really need and want - no one else can answer that question but them. I am not aware of a specific cert for fire, other than graduating from the school of hard knocks.

Maybe Vale or someone has something specific for fire, if anyone knows please post an answer.

At a casual glance, I see 3 obvious mis-spelled words on your post, and you will need to get used to professional reports in this business.  I have had my reports scrutinized in a legal deposition, and believe me, it's like throwing blood in the water when the sharks find unprofessional reports.  I had a good report, and they still tore it up.

Was this a serious post, or a Halloween prank?  (female name yet "wife and I", new to adjusting yet 3 years experience...  first post)

Bob H
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buffaloe
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10/31/2007 5:21 PM
It is a serious post I [Male] didn't realize that when wife [Ella] joined Cado that she [Female] didn't use our last name. It was Lm and I haven't got back with the CM as I was looking into class's and haven't been able to find any information except for Arson Investigation. I usually hit spell check before sending out e-mails. is you stated this was the 1st post as I just found out from Wife that we could post to the forums.
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BobH
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10/31/2007 5:28 PM

Gotcha. Welcome to our humble abode. If you find training on fires that is helpful to you, post it here so others can learn. I was in your shoes about 15 years ago and was also frustrated by the lack of data on how to scope a fire loss.  See my write-up on page 6.

I was also amazed how few contractors knew how to scope a fire loss. Some of them are very, very good and that is how I learned as omitted scope items were pointed out.  The contractors that specialize in water-fire damage soon learn to track down why the house still smells like smoke after they "fixed it" and moved all the furniture back in.  Family closes all the doors, leaves for the weekend, walks into a house that smells like smoke.

What is LM - what is CM?  (thanks for adding "Jim" to the member ID)

Bob H
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buffaloe
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10/31/2007 5:43 PM

Liberty Mutual and Case Manager . We are doing a lot of WC and Liability for now and ever once in a while a Property claim. They asked if would do a fire claim and they asked for a cert. I looked on claim pages and Internet search and haven't found anything. It was coincidence that less than a week later the cal. fires started and i have been able to pick up ideas and tips from the CADO group. I've been reading the site every day and pick up new items every time I look. Wife is amazed a what I find here.
Once again THANKS TO ALL WHO POST HERE. This was the first site we looked up when we decided to change profession's. Jim

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buffaloe
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10/31/2007 5:44 PM
Missed spell check again. Hate when that happens.
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Medulus
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10/31/2007 5:58 PM
Jim,

You can hit the edit button above your post and go back in and do a spell check after you have sent the post through. I use the edit button all the time. I figured that buffaloe was the Dan Quayle version of how to spell buffalo.
Steve Ebner CPCU AIC AMIM

"With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
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buffaloe
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10/31/2007 6:39 PM
Thanks! As I stated earlier I learn something here everyday.
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Tom Toll
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10/31/2007 7:56 PM

Jim, hit edit, copy your post, load it into MS Word and do a thesaurus and spell check. When complete, copy the corrected post and paste back into CADO post. It is important to do correct spelling in this profession, regardless of what others say. It is the end result of all your field efforts, which can be destroyed with a poorly worded or mispelled words. Or to make it more simple, do your post in word, copy it and then paste it to your CADO post.

Success is not final, failure is not fatal: it is the courage to continue that counts.
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BobH
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11/01/2007 4:03 PM

I am still working "day claims" 5 hours north of the fire area in California. 
I just got off the phone with another large carrier (not one of the big 3) and she said they are just pulling in staff from other areas but not hiring independents for the # of fire claims they have.

I think the claims are spread out with lots of carriers for this one, so the number per carrier is small (unless one of the big 3).

In Hawaii 1992 I was doing hurricane claims for Hawaiian Insurance Group and they seemed to insure the whole Island (and went bankrupt...) but that isn't the scene here.

Bob H
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mbrew.2
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11/01/2007 8:45 PM
Bob, in answer to the inquiry about "fire certification", one would most likely obtain this competency certification from working fire and allied lines claims for a company as a full time employee over a period of a few years. During my tenure with State Farm Fire & Casualty, I received my competency qualifications with State Farm in 1993 for both "Major Structural Disaster Cert. (Fire) and Commercial Disaster Loss Cert. (Fire)" after completing Fire & Casualty Basic and Intermediate Claims Schools in 1980. (The certifications became a requirement long after basic claims school.)

As with most companies, the basic construction estimating training for newbies was/is at Vale National Residential Bldg. estimating school. This is an expensive route to take for most catastrophe adjusters who have no other insurance claims experience. For them, I just don't see the cost effectiveness of getting this type of training just for the rarely occuring fire cat work, but is a real plus for windstorm cat work.

I took early retirement and then worked two years as an estimator and job coordinator for a general contractor to gain additional experience in the hands-on structural repair trade. Consequently, I am still working claims as an Independent, staying in good health, and keeping active in the claim damage appraisal process with my own subscription to Xactimate (TM) estimatics as my tool of trade.

I had hoped to get a call to work some fire claims in California with a reputable vendor, but no calls to date. I know the total number of total fires would not warrant a huge workforce of cat adjusters in this situation, but being available for a long term committment is preferable to what happened in the Oakland Fires in early 90's. Go figure.

Martin Brewer, AIC
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BobH
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11/01/2007 8:56 PM

Nice Quals, you can adjust my homeowners claim any day.
I learned a lot working with State Farm and wish I could take those advanced courses.
No way now without becoming staff I suppose (as they try to downsize their over-staffed CAT team...)

Bob H
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Agility Cat
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11/04/2007 9:52 AM
Gentleman;
I would like to thank Mr. Harvey, Mr. Ebner and Mr.Koontz for their input on fire handling, scope damages process and more... The info you provide is invaluable, and most welcome. I am a North Carolina licensed adjuster and never had the opportunity to do a fire loss.
I am presently in San Diego with FEMA (I am one of their inspector as well), and I contacted a couple of adjusters to see if I could ride along with them, and received positive responds from both of them
Between the posts of this website and the courtesy and support of in field adjusters, I am gaining knowledge and exposure, and must say that 's what its all about; the purpose of insurance is to help people, and it does not stop to the insured; Senior adjusters helping other adjusters (either newcomers or inexperienced in Fire Loss).
Gentlemen, I can say that You have a strong ethic and integrity, and I praise you all for that
Keep up the good work

Cordialy

Jean Paul Bouvret
Telephone: 828-275-6012
Email: jpbouvret@gmail.com
Jean Paul Bouvret
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Tom Toll
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11/08/2007 8:19 PM

Fires here in Calli are very different than fires on flat land. We have some structures built on the side of mountains with a 50 degree incline and very little road to work from. There are a number of components in that type structure that are on no one's database. Seismic caissons are necessary to erect proper structure for platform. I wish the MSB database were a little more intense, but it is failing here. I understand there is a lot to be desired with exactimate also. I guess no database is going to have it all.

Janice and I felt this event should be considered an adventure and  indeed it is. I hope to post some of these unusual structures shortly. One good thing about the short fall in databases is, you gain knowledge for the next event in this area.

I will give credit to Bill Slove with Cunningham Lindsey. He is doing an outstanding job, as is the CL staff. I was concerned about a new face and new personality taking the place of a dear friend, but Bill is doing great. I guess that is why we have stuck with CL the last 9 years. There are many good vendors out there to work with, we just hit it off with CL.

Success is not final, failure is not fatal: it is the courage to continue that counts.
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Tom Toll
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11/19/2007 4:07 PM

Janice and I will be on our way back home in a few days. 27 losses total, not what we expected, but it is work. Fortunately we had 3 total losses which will help the ol bank account. I am disappointed in the number of losses as opposed to what was thought to be expected. The company we represented wanted customer service to excel, so more adjusters were brought in to wrap things up quickly, too many in my opinion. If the companies and vendors are only going to give a few claims to adjusters to accomodate customer service and expect us to go to sites, with all the expenses entailed, they will not be able to find competent adjusters to do their work.  This industry is changing and unfortunately for the worse.

Success is not final, failure is not fatal: it is the courage to continue that counts.
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Ray Hall
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11/19/2007 4:43 PM

Thats the way it has been going Tom for about the last 5-6 years. You just did not see it. You and Janice are just a commodity thats needed when its needed. People are working each day to reduce catastrophe losses expense by replaceing the "turn key" type adjusters with some triage plan.

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