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What's all the fuss about FL Citizens anyway?  There's few hundred OTHER carriers who write in Florida that pay better and have file requirements made by Adjusters who know how to close claims versus the auditors and bean counters that can't see the forest for the trees.

How about a forum dedicated to guiding adjusters toward these carriers and the vendors that service them?  Let's face it, while FL Citizens may be the largest vendor out there, there will be plenty of reward for those individuals who concentrate on finding the sweet spots in Sunny FL- should the big one hit there...

I am a Staff Adjuster with Citizens and I have not heard anything about "Dumping files" after a storm.

In response to the original post by Ray H.  Wouldn't working for vendors that pay before the carrier pays and within or on the very next pay period (whether it be monthly or weekly) be a key solution to this problem? 

Turn files in gradually as you go and avoid sandbagging.  This curbs management headaches and gives you a chance to find out vendor practices and expectations before you have to correct a hundred files that are all wrong.  Or, before you find out that someone is rewriting your claims.  This practice occurs seldom, but it does happen and everyone hears about it.

I am all for getting your files before leaving town, but some carriers require that the vendors ante up with adjusters first before handing out the files.  Vendors and Carriers are just as concerned about adjusters as some adjusters are about Vendors and Carriers.

Maybe this was the requirement of the adjusting firm that I attended the Citizens storm orientation class. I was only passing on what I was told.  This is under the heading of KNOW BEFORE YOu GO.

Pilot and probably several others give you copy of the fee bill when the file has been approved. If all vendors did this you would probably not be cheated. Let me stop at this point and say this. I have seen a lot of files and I do not think SOME people who are trying to be catastrophe adjusters are turning in paper work that is a COMPLETE-PASSABLE FILE and sadly do not know the differance.

Dumping all your files has nothing to do with YOUR evidence if you PRINT it on the day it was turned in. IF I was looking at evidence I would require a chronological flow.

I know some adjusters who can do the job are being cheated as I have been flim flamed. It seems most of the post on this subject is from new people who PUT THEMSELVES in this position. Why not limit your deployment to only the vendors who can pay bi-monthly on turned in files or some one you have worked for BEFORE and paid you ever penny.

Many vendors pry on the inexperienced adjusters with just a license knowing they will flounder and take the paper notes and the photos after 2 or 3 weeks of trying to turn in good files. This material can then be reworked with out an inspection and with a phone call.  A passable file turned in and the poor mullet who did the first contact is left out.

Many a flood file is closed with FCN 's that were never in the same state and thousands of miles away.

Jud brings a lot of sanity to this discussion.

The rush to the scene is for show. Many adjusters sleep in their auto's or motels without any power for 24-72 hours without any files just to prove to SOMEONE it can be done.

This year would be a good year for sanity. All adjusters need to stay at home and get their files, make contact and LEAVE their contact information and calm the insureds down . If you talk to the insured as soon as possible, give instructions, advise is all they need .Another 2-3 days ot 2-3 weeks for a set appointment is all they need.

Thanks Ray.  There's a lot of truth to your statement and then again, there's a genuine interest by the blue shirts and the red shirts to be on site.  A significant portion of their business is built upon a good PR response.  Their customers that are a part of the first wave of claims expect a clear and identifiable response to the hype.

Here's a link to an article put together by Dave Hood that sums up the basics of knowing before you go in both a concise and effective fashion: http://www.catadjuster.org/Home/Blo...spx. 

Many females have remarked to my wife who is a realtor, oh I just love looking at houses I think I will become a realtor. You have to be a very hard working realtor to make over $150,000 per year and only about 10% of residentual realtor are in this bracket. And their hour's are almost as long as catastrophe adjusters. They last about 6-9 months.

How many people in this business rolled out of bed one morning and said, OH I just love helping people and I want to become a Workers Compensation Adjuster to help the poor injured workers. Oh I just love helping people and I want to work in the SIU unit of the big insurance companys. Or lets get close to home I want to work regular day in day out Homeowners claims, because I just love to help people on insurance claims such as odd fire's  water claims, or theft claims.

In summary I have met several hundred insurance adjusters staff and independant, including cat. only adjusters and I have never ask why they do what they do; but I knew they were like me.... the money honey.

Ray I hear what you are saying and I am beginning to understand people are motivated by different things. Those that are not motivated or driven primarily by money just do not fully grasp the minds of those who are. There is nothing evil about money we know. There is nothing evil about not being motivated by money. If it was not for those that paid a lot of taxes then we would be a third world country overnight. I think the artist types (right brain I think) will do something just because something is inside of them that wants a physical presents and they will paint, create, build, etc where they receive money or not for their efforts. I guess others are motivated to create money (perhaps right brain as well) so they with intent create money by design by selecting vocations that are perceived to add value to others so they can create a lot of money to purchase those things that they perceive as having value if it is not just the money itself. At some level we all work for money because we do not live in a barter society so we “require” money for the food, shelter and clothing in our society.

Steve,

This is a profession not a job. Did you miss that discussion?