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I've been too busy to chime in to the forum, but got up early to do some paperwork this morning, saw my inbox and decided to take a breather for an hour. I'm probably late to the party, but one thing that is really standing out for me in this storm is the downside and the pace of the electronic communication age. The expectations some customers (and carriers) have are becoming more and more difficult. While technology has made much of the job quite easy, there is a growing mass of the populus who are so used to everything happening in a split second in their personal lives, they have lost that perspective in the business world. Many people are quite patient, but there is a growing number of customers who can't grasp the idea of a 'delay' in receiving responses. I long since cancelled text messaging on my work phone a couple of years ago after it would just sit there and vibrate non-stop and my email may be next....looking at one now....."wats my claim stat txs"........ Maybe I'm become one of those old fart guys.......

Does Sandy have any RVers on site and if so where? What are parking site costs?

William S Cook

Posted By William S Cook on 08 Jan 2013 09:09 PM
Does Sandy have any RVers on site and if so where? What are parking site costs?

William S Cook

 

I'm sure someone can help you out, Mr. Cook;  let's say, perhaps...for about 15% of the rental/lease agreement plus 15% of added amenities no other RV'r might have access to?  

Hey, everybody has to make a living.  PA's included.  

Now that we are two months into this, some things become apparent.

1. This was and still is unprecedented flood event. Tremendous claim volume has been mitigated only by many businesses and homes not having flood insurance. But what trickles down to me in form of forced bank policies, manuscript Llloyds and flood endorsements on commercial package policies is very telling of the enormous size of the disaster. My local office got something like 40,000 claims in first two weeks after event. They hand picked most pressing and complex ones (or rather what they thought was that) and gave it to the staff. The rest went to CAT pool and was handled by venerable road warriors on F250s with southern plates.

2. This aint over. This will be a drawn out complicated event with a lot of litigation, which will change insurance landscape in NY. Public adjusters are still overwhelmed, but wait another couple of months and we will see a bunch of reopens (time and expense, baby).

3. Cleaup is coming. I am already getting some files from CAT adjusters that left the area, where carriers want us to get an agreed price or reinspect the loss. There will be more of that.

4. NFIP flood files are not worth it. I mean, if I had no choice I would do it. But, after doing and few files for this government program, I have to admit, that amount of paperwork and general BS I have to produce to close the file is way to much compared to wind files or non-NFIP flood. Not even worth their changed fee schedule.

5. You only become general in war. :) No pun intended. I have handled files, the size and complexity of which would scare me senseless, would that not be for the fact that I had a dozen of similar files sitting on my desk. Sandy took little place called NYC and shook it up really hard, and I like where I landed.

Posted By Alex_Chernov on 10 Jan 2013 12:16 AM

5. You only become general in war. :) No pun intended. I have handled files, the size and complexity of which would scare me senseless, would that not be for the fact that I had a dozen of similar files sitting on my desk. Sandy took little place called NYC and shook it up really hard, and I like where I landed.

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Well said Alex ....

and Uncle Sam isn't an actuary, but watch him pretend to be.