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Posted on Wednesday, January 12, 2000 - 2:12 pm:   

Ghost, we do not disagree about Chad, but we have had discusions about adjusters as professionals on another form, and the word has been used here. Could you imagine a Doctor only treating patients from the north side of town becuse if he treated a patient form the south side of town he would be blacklisted.
The insurers hold a big club over us and use it to restrict trade. If we want to work we live with it, doesn't mean that we have to like it.
Posted on Tuesday, January 11, 2000 - 11:54 pm:   

Point 1.
Chad's blatherings are a smoke screen in an effort to to legitimize his company in our eyes as not being a P.A. when his own website clearly reflects a P.A. organization and links to other P.A.'s.
Point 2.
Claimmasters profitability is of no concern to this discussion.
Point 3.
The issue of this discussion is simply put by the Forum title, "ClaimMaster-Who are you?". Our professionalism, independent status, or quality of work is not an issue. What Chad continues to fail to do is convince us of his true status.

Oldtimer, I am trying to pull you out of the smoke screen of Chads burning dung heap. Am I getting thru to you?
Posted on Tuesday, January 11, 2000 - 9:47 pm:   

We possibly have run a upon a reef here...perhaps
the poet Robert Frost said it best in his poem
"The Road Less Traveled", which ends with:

"Two roads diverged into a yellow wood and sorry I could not travel both and be one traveler.......
but,I have taken the road less traveled by and it has made all the difference." Robert Frost

John Durham and I.......agree again.
Posted on Tuesday, January 11, 2000 - 6:50 pm:   

ghost I bet you never met a P A you liked or an Insured who was honest.
The point that he was trying to be made is that a professional provides the same quality of work to whomever hires him and a professional is independent. Any adjusters who tried to work for both sides would soon find out independent he is... the insurers carry a big club.
We adjusters fall short and the name independent is misleading. I am not interested in claims masters. something doesn't smell right (to me) I cannot see how the business as shown could make money.
Posted on Tuesday, January 11, 2000 - 5:52 pm:   

I am well aware that we independents & the P.A.'s graze the same grass merely separated by a scaggly old fence. The point of this topic is that Chad at Claimasters is talking out of both sides of his orfice. Let's put this in a rural context. Your either knocked up or you're not. Your either a P.A. or you're not. You can't be both at the same time. Is this any clearer oldtimer?
Posted on Tuesday, January 11, 2000 - 5:35 pm:   

ghostbuster: the P.A. is a creation of the Insurance industry. When comanies try to ignore what they covered or adjusters try to be hero's by paying as little of a claim as possible then there will be a responce. The P.A. has a role in our industry, and there are good ones who are adjsuters and there are others. The bottom line is that an adjuster is an adjuster no matter who he/she works for
Posted on Tuesday, January 11, 2000 - 1:33 pm:   

I thought we had already roasted, skewered, and digested this turkey! Well, if the phoenix has arisen from the ashes, I say lets roast, skewer, and digest him again! After all, having done all the honey-doos around the house and no storm to go to, I'm getting kind of bored. So let the merriment begin.
Jim Flynt
Posted on Tuesday, January 11, 2000 - 11:23 am:   

May I suggest that anyone who needs a good definition of a "public adjuster" review the information at the web site for the National Association of Public Insurance Adjusters ( for their definitions; (Basically one who adjusts or participates in the claims process in behalf of the interests of the policyholder and is paid by the policyholder).

I note from reviewing the NAPIA website that ClaimsMasters is not a member in good standing with this professional organization for public adjusters, thus his firm is not bound to subscribe to the professional Code of Ethics endorsed by NAPIA and designed and enacted for adjusters working in behalf of the policyholder.
Posted on Tuesday, January 11, 2000 - 10:16 am:   

Chad, you are looking ofr something that doesn't exist, a truly independent "professional" adjuster. We are only independent enough to chose which insurer we will work for.
john postava
Posted on Tuesday, January 11, 2000 - 8:30 am:   

FYI: Checked with the State of FLorida - if you do what you say you do in the State of Florida for the homeowner, you better have a Public Adjusting license. If you work for the insurance company, you better have an Indepedent Adjusters license. The State of Florida sees a difference in who the adjuster ultimately works for. Better tread lightly if you and your adjusters do any business in my state!!!
Russ Lott
Posted on Monday, January 03, 2000 - 6:50 pm:   

Chad, if you are "consulting" for the Insureds is this just a way around the licensing laws that many states have for Public Adjusters?
Don Elkinton
Posted on Monday, January 03, 2000 - 3:42 pm:   

I might be missing something here fellas, but isn't the real key key to "public adjusting" who pays the fee? I'm not necessarily disagreeing with anyone. The posted questions make it sound like if we represent the insured we are a pubilc adjuster. Perhaps Chad has stumbled on to something. Or you are all correct in your assumptions. If so, the truth will come out soon enough.

Enjoying the dialogue. Keep up the good work!
John Durham
Posted on Sunday, January 02, 2000 - 6:48 pm:   

Uhhh Chad..

If you re-open files for an insured as their representative YOU ARE A PUBLIC ADJUSTER. I suggest you remove your sheeps clothing. By the way, did you work for Clinton/Gore previously?

Are you ashamed that you are a PUBLIC ADJUSTER? If not, why hide it? I think all any of us want is for you to "come clean." Everyone has to make a living. We wish you the best of luck.

John Postava
Posted on Sunday, January 02, 2000 - 12:39 pm:   

I've read your postings and reviewed your website and have a question open to general discussion. If a company reviews a building estimate (or contents inventory for that matter) "for the homeowner" and recommends an additional payment on the claim (to the homeowner), isn't that public adjusting (i.e. adjusting for the public)? Maybe the adjuster don't show his/her face to the carrier or sign a contract with the homeowner but it comes down to the same thing, doesn't it? If you review the estimate and make determinations as to coverage (interpeting an insurance contract)and then recommend those determinations to the homeowner who, in turn, re-opens his claim for additional payments you ARE acting as a "public" adjuster - at least in my humble opinion. You may call yourself a "claim examiner" or "construction consultant" but a rose by any other name is still a rose, isn't it? I, for one, would not want to get my name out to a carrier whose adjuster had to re-open a file based on my outside "review" of the file. Thanks, but no thanks. Would someone from ClaimMasters respond and show me where I am missing the boat here....

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