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Tiredandhungry (Tiredandhungry)
Posted on Thursday, August 24, 2000 - 1:37 am:   

Hey Jim,

Thanks for the input. Writing only the damage that you see certainly applies to estimating and scoping. Under ideal conditions, the claim should settle there.

But in reality; attorneys, contractors, public adjusters, and demanding insureds all can cause substantial delays in concluding our claims. Most of the carriers insist that the original adjuster stay with the claim to get it closed. That is where our adjusting skills come in!

We have all had to negotiate with contractors to get claims closed. The involvement of the carrier will probably be determined by your relationship with your supervisor or storm manager. There are a lot of gray areas, it is not just black and white. The bottom line of business is to get the claims closed, for good.
Jimlakes (Jimlakes)
Posted on Tuesday, August 22, 2000 - 8:32 pm:   

Tied and Hungry,
I've always had one answer for these type questions.
You, as an adjuster, call it like you see it. But be sure of your findings. Don't let someone influence your thinking because of another claim, neighbor, or circumstance. Write it up the way you see it and let the carrier make the call.

We are being paid to be the eyes and ears for the carrier and tell them exactly what we find. If for some reason, the carrier chooses to pay the claim, that is their poragative. You have done your job the way it was supposed to be done. Don't let it bother you if they pay, there may be circumstances that you are unaware of.
Do a quality job and call it "like you see it."

Of course, since I now know who you are, I'm sure that is exactly what you do anyway.
Jim Lakes
National Catastrophe Director
RAC Adjustments, Inc
Tiredandhungry (Tiredandhungry)
Posted on Tuesday, August 22, 2000 - 12:50 pm:   

I thought that it would be a great learning tool to compare notes on a few of the most effective tactics used by insureds against adjusters during the settlement of claims. We could all pick up a few pointers! Try to stay brief if possible:

1.) I had a group of close knit neighbors. They threatened to post signs in their yards blaspheming the carrier. Solution: Yep, paid the claim! Neither I, nor the carrier, wanted to be on the 6:00 news!

2.) Had a guy with no wind damage on attached garage, verified by local roofer. This guy called the 800 hotline every day for two weeks. The carrier kept sending his messages back to me. My name became well known to the complaint unit, not good under any circumstances! Solution: Management finally took it from me, and it was still climbing the corporate ladder last I heard, but it will probably be paid.

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