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6 Replies and 2667 Views
How to survive an earthquake and tornado 2667 6
Started by Tom Toll
EVERYONE PLEASE READ THIS - IT COULD SOMEDAY, SAVE YOUR LIFE IN AN EARTHQUAKE. &160;
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EXTRACT FROM DOUG COPP'S ARTICLE ON THE 'TRIANGLE OF LIFE'
My name is Doug Copp. I am the Rescue Chief and Disaster Manager of the American Rescue Team International (ARTI), the world's most experienced rescue team. The information in this article will save lives in an earthquake.
I have crawled inside 875 collapsed buildings, worked with rescue teams from 60 countries, founded ...
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by ALANJ 02/03/2010 4:24 PM |
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41 Replies and 8225 Views
I am so tired of dealing with file reviewers. 8225 41
Started by Bobabooey
Take any estimate anywhere written by anybody.&160; Give it to 5 different adjusters to analyze and you will get 5 different estimates, 5 different reports, 5 different sets of pictures, 5 different everything.&160; There is no 'right' estimate.&160; Have 20 contractors scope the same loss and you will get 20 different bids and 20 completley different estimates.&160; This job is based on the opinion of the adjuster that is scoping the loss.&160; That is why he was hired to scope the loss.
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by Bobabooey02/01/2010 6:33 PM |
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by QuickHEMI01/25/2010 12:42 PM |
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6 Replies and 2552 Views
The perfect Restoration Contractor 2552 6
Started by mabr
To start off I have to say this is one of the greatest resources I have found as an Insurance Restoration Contractor. This is my first post as you can see, but I do 'alot' of reading on here.
I would like to ask all on here, What would you consider to be the best traits to have as a contractor in this business
Why I ask is I was taught what I know by one of the largest restoration Companies on the West Coast. Im not going to mention their name for obvious reasons.&160;They are a&160;very pr...
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by Ray Hall01/24/2010 1:02 AM |
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by Catmannn01/19/2010 7:45 AM |
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26 Replies and 8188 Views
What is this? Hail damage? 8188 26
Started by Bobabooey
&160;
Roof is approx 5 years old.&160; Pea sized hail in the area at the largest.&160; Entire roof looks like this.&160; Looks like blistering to me but roof is fairly new.&160; I originally thought it was some kind of defect in the shingle, but the garage was built 2 years after the home and it looks like this as well.&160; There is no collateral damage to windows, gutters, vents, etc....&160; If it is not hail then why does the garage look the same&160; If it was the pea sized hail t...
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by Bobabooey01/17/2010 12:31 PM |
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15 Replies and 3569 Views
? on Appraisal Process. 3569 15
Started by jayteedee
I&160;have been appointed appraiser for a carrier involved with a substantial contents claim.&160; The policyholder hired a PA firm&160; The PA firm requested appraisal and have named their appraiser in this matter.&160; The appraiser they have 'appointed' I absolutely know writes structural estimates for the PA firm as I&160;have come across this appraiser on a prior loss with the same PA firm very recently.&160; &160;
While I don't know the legal relationship between the appraiser and ...
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by Ray Hall01/15/2010 10:37 PM |
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9 Replies and 2952 Views
One of my mentee,s 2952 9
Started by Ray Hall
Got a Merry Christmas phone call from a man I met in 2004. He was a natural winner. Retired Lt. Commander Navy Pilot. Will work close to 1000 losses this year for SF/Renfro
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by Medulus01/05/2010 4:46 PM |
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6 Replies and 2285 Views
Health Insurance review 2285 6
Started by Joe60
&160;
&160; I would appreciate the collective wisdom of the CADO readership with this problem. Unicare, my health insurance carrier, is no longer doing business in the state of Texas, after January 1st. I am in the process of reviewing my health insurance needs and options. BCBS has guaranteed coverage to existing Unicare customers, but in my case, at nearly double the cost. I am in reasonably good health and 49 years&160;of age, so I probably have options. I am leaning towards a higher dedu...
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by Joe6012/10/2009 11:03 AM |
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12 Replies and 2701 Views
replacing toilets and sinks after sewage loss 2701 12
Started by Leland
OK just wanted to start a new discussion on sewage losses. The loss is covered, plumber says the sinks and toilet must be replaced because sewage overflowed in both.
Sounds ridiculous- yes or no
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by Ol' Ghost12/06/2009 9:35 AM |
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12/02/2009 10:54 PM |
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2 Replies and 2051 Views
Looking for a IA or Cat Firms that will provide a mentoring opportunity 2051 2
Started by shardwick
I'm Scott from Virginia carry a FL Lic and applying for aditional states now.&160; I'm 40, not married, no children pretty much unencumbered.&160; I have built&160; over 600 houses and done 100's of commercial renovations (Gov and VA general contractor).&160; I know the building business now I need to transition in the adjusting business.&160; Who can offer suggestions how I can enter into a mentoring program/situation.&160; I see adjusting as a&160;career change for me.&160; I need the ...
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by shardwick11/27/2009 8:45 PM |
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3 Replies and 2282 Views
US Drywall reported to also have problem 2282 3
Started by rickhans
CBS just reported on the national news that US made drywall has also been found to have high sulfer content.&160; They reported that 10 houses so far out of 44 with the same reported symptoms and problems found with Chineese drywall turned out to be made by National Gypsum and Georgia Pacific.&160; They claim they did lab tests and that some U.S. drywall had higher sulphur emissions than some of the Chineese, but did not give any technical details that would show how bad the emission is, other...
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by rickhans11/26/2009 12:22 AM |
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5 Replies and 2412 Views
How would you solve this subrogation challenge? 2412 5
Started by Leland
I haven't started a topic in a long time, maybe we can start some new topics with problems adjusters run into and discussions on how to solve them.
This is a fairly common problem, with a fairly simple solution that is often overlooked:
You have adjusted the first party claim for Mrs. Smith, whose house was hit by a car insured by Acme insurance. You have made a subrogation demand against Acme for $8345.00 plus Mrs. Smith's $200.00, for a total of $8545.00. Acme has accepted liability but thre...
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by Leland11/25/2009 6:15 PM |
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35 Replies and 20050 Views
Three Trade Rule for O&P 20050 35
Started by wscook
Rules of thumb with no validity should not be a part of our industry,
The rule of three trades being necesary for a repair to cause the inclusion of Overhead and Profit on payment of a loss.&160;&160;I have been around campus for quite a few years and have usually applicd that logic to establishing the entitlement to the O&P provisions.&160; I challenge the old timers to show me where that logic originated or who originated it.&160; I seem to recall in past readings that a SF claims exa...
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by rickhans11/25/2009 1:35 AM |
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76 Replies and 24769 Views
IICRC S500 24769 76
Started by mbradbury
The IICRC, although their name doesn't seem to command much respect, is supposed to be the body who sets standards for water damage cleanup and restoration.&160; They have this manual, the IICRC S500 and IICRC S520 (for mold) that have laid out all of these industry tested standards and such.&160; Now talking daily claims here, I get lots of bills from water suckers who want to get policy limits for their steam vac bill (maybe a slight exaduration), but being able to argue with them and quote ...
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by BobH11/24/2009 9:54 PM |
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9 Replies and 2808 Views
I smell a Goldmine for PAs 2808 9
Started by wscook
A federal court ruling holding the Army Corps of Engineers, and the U.S. government by extension, liable for damage in New Orleans caused by Hurricane Katrina is unlikely to have much effect on the property-casualty industry, an Insurance Information Institute representative said.
Speaking to NU Online, Loretta Worters, vice president of the I.I.I., said the industry has already paid out most of its Katrina-related losses, so the ruling should not impact insurers.
But she said the ruling could...
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by wscook11/21/2009 9:32 AM |
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14 Replies and 8609 Views
False & Deceptive Advertising 8609 14
Started by Ol' Ghost
Here's a little something we can all enjoy sinking our teeth into. Have you noticed the new ad posted here on CADO by Insurance Recruiting Specialists, a division of Big Dawg Enterprises It's a repeat of their usual ' We have immediate openings' ad. Just for fun I called to see if they, indeed, had any openings and they said, 'No. The ad is just to draw in resumes'.
Here's the rub. The ad specifically says they have immediate employment openings, yet they admit they do not. Something in the ba...
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by quoin411/19/2009 11:52 PM |
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13 Replies and 3415 Views
Be careful what you eat!! 3415 13
Started by Tom Toll
The following is an email I received:
I'm sure those of you who aren't in the cattle business don't understand the issues here. But to those of us whose living depends on the cattle market, selling cattle, raising the best beef possible... This is frustrating.
This will keep us from ever stopping there again, even for a drink. The original message is from the Texas Cattle Feeders Association American cattle producers are very passionate about this.
McDonald's claims that there is not...
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by Deleted User11/17/2009 3:02 PM |
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15 Replies and 3859 Views
What happened to the CAT adjusting? 3859 15
Started by quoin4
I have worked as a property adjuster since 1990.&160; I started with Aetna and worked as a regular territory based staff adjuster (5) years, then independent staff (10) years and in between contract CAT appx (4) years.&160; I have worked all the big events and have consistently made a decent living working claims&160; for the past 19 years.
I never post and I guess maybe occasionally I&160;should but this year seemed a bit like 1997 to me, would I be correct there or am I missing something...
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by brunsbeck11/15/2009 10:26 AM |