|Tom Joyce (Tomj)
|Posted on Wednesday, November 08, 2000 - 10:11 am: |
Tom, This subject has been floated between adjusters way before CADO, and I believe I recall some appraisers in upstate New York providing the service in the late 70's. Problem is when you meet the "clients", and explain the inventory and video process it generally turns out that they feel that once described they can do the work and save the fee. Another area to look at is valuations on commercial buildings. Most of the policies are written with co-insurnace and the service is more salable if you can show a savings to a business and it would probably be a write off expense
|Gale Hawkins (Gale)
|Posted on Tuesday, November 07, 2000 - 9:21 pm: |
Tom I have heard that some of the carriers in Canada are toying with the idea of giving the home or business owner 50% of their deductible if they have a inventory on disk prior to the loss.
Obviously the goal would be to make it a requirement because that is such a gray area counting white shirts after total fire loss. As a homeowner I just have never taken the time to even do a walk-through with the video camera and talking the inventory on to tape.
Tom have you every done this for pay? Would one charge by rooms, time or what?
|Tom Toll (Tom)
|Posted on Tuesday, November 07, 2000 - 8:50 pm: |
LETS MAKE SOME MONEY!!!!! We all live in catastrophe prone areas, whether they be hurricanes, tornadoes, or winter conditions. We all live in areas where thefts, home burglaries, and partial or total fires occur. In other words, anyone, at any given time can sustain a debilitating loss, resulting in an insurance claim.
Do you have your home inventory on record? Could you furnish your insurance representative an accurate list of your lost possessions, with purchase dates, where purchased, and photos or video tape of the items? Do you have a floor plan of your home if it burned completely?? If not, let XYZ Home Inventory Recorders assist you for a very reasonable fee.
You can figure the rest of it out. I did this for a number of years during slow times and made good money. Fortunately, I have not suffered like some last year and this year. I don't want my brother and sister adjusters suffering, so I present this as a suggestion. Put an ad in the paper and definitely tell them you are an insurance adjuster offering to help them keep their lives sane if and when they sustain a loss. You have the equipment to do this work in your possession. Its the same equipment we use everyday. 35MM camera or digital, video recorder, PC, and measuring devices. You also have inventory sheets in your estimate programs, or you can make one up to give to your potential clients. Then you need to show them how to fill out the sheets. Suggest they give them to their insurance agent and keep one in a safety deposit box.
If you want more suggestions related to this, e-mail me and I will help you as best I can.
|Steven W. Ebner (Medulus)
|Posted on Monday, October 30, 2000 - 4:36 am: |
One of my goals is to visit every state in the union. I haven't gotten to Mississippi before now, so it works for me. But that's just personal preference. So is the fact that I'm starting to get a wee bit excited about a CADO convention. Building some networks can only make us stronger. The work being done to set this up is much appreciated.
|Tom Toll (Tom)
|Posted on Sunday, October 29, 2000 - 9:22 pm: |
Did anyone call ACE and ask them to move their meeting site nearer their hometown. Did any one call NFIP and have them schedule a workshop near their home. Nah, doesn't work that way. It looks like Gulfport/Biloxi is in the lead. Dave Hood is spending his time on our behalf trying to find a good, reaonable place to have our get together. Is Dave getting paid for this, Nah, just a nice man doing his best to help all of us, just like Roy Cupps, and many others. Lets not blow this one. I tried to get an educational conference going last year and got so many people whining about where it was going to be held, that I withdrew the suggestion. Too bad too, had quite a few very educated folks lined up to teach us all a few new tricks of the trade.
Lets not botch this one. Lets agree to meet where ever the convention committee chooses, have a very successful convention, learn a lot, visit with vendors and have a blast. Lets make new friends, learn new things, and then go home much the wiser and happier. CADO is about pulling together for the good of all, not just a few. But you know that, right.