Guest Blog by Dr Michael Birzon, UCF Insurance Department “Tall Tails from Texas” Warning about FL Adjusters false belief TX Licenses waives FL License Exam for Residents

March 10, 2009

I had no idea when I posted the blog on the adjuster license problems in our last blog here:

http://dimechimes.wordpress.com/2009/03/06/organization-chart-for-the-claims-handling-blame-game-a-humorous-grap-of-where-all-participants-stand-in-this-game-on-claims/

Then Dr Birzon, our regular mentor on Fl licensing issues for ClaimSmentor told me he had also written an article on his warning we told you about in the last blog.  The link above has a link to his bio and insurance website at UCF for FL licensing online.

I knew the problem was very bad, just from what I was receiving on licensing information on adjuster resumes we regularly receive, but his story in the below Ezine article about 60 Allstate Adjusters is even beyond my worst nightmare on how bad the issue was! You can read his entire article on”” Tall Tails from Texas below:

—–Inline Attachment Follows—–

Google Birzon Ezine and you should pull up other articles of interest…thanks!

Dr. Michael Birzon
Florida Insurance University/UCF
(407) 927-1235
(407) 386-6454 FAX

***************

I am hoping that adjusting firms and adjusters will pass the link to this blog or copy and paste his article link and pass it on to adjusting firms you work with to post the warning on their website. To forward this link- just click on the blog title and it will give you just this blog article you can forward.

We thank everyone for passing this important warning on folks wanting to get licensed to handle claims. Adjusting firms should insist on seeing the license information online for the state where you assigning adjusters as we are seeing


FL Emergency Adjuster Regulations for Tropical Storm Fay

August 21, 2008

 

Independent adjusters working Tropical Storm Fay claims will need a FL Emergency Adjuster license per the following directive by the FL Department of Insurance if you do not have a resident or non resident FL license:

http://www.myfloridacfo.com/agents/Emer-Rules/Emer_Adj_Instruct.htm


Hurricane Dolly Makes Landfall in Texas-Checking Availability for Rosters

July 23, 2008

 

We are receiving numerous inquiries and stand by requests from adjusting firms as I am sure most independent adjusters individually are receiving. We will be contacting adjusters as we receive more definite information on deployment opportunities. If you have not already submitted a resume and would like consideration for any staffing requests received, please view our Opportunities link for a detailed list of information we need contained in your resume for immediate consideration (preference to those with TX resident or non resident license). We have a heavy request list for large loss commerical adjusters and for billingual adjusters as well.

This is the latest NOAA report stating Hurricane Dolly now has sustained winds of 100 mph and currently a category 2 hurricane:

http://www.nhc.noaa.gov/text/refresh/MIATCPAT4+shtml/231457.shtml

WTNT34 KNHC 231457
TCPAT4
BULLETIN
HURRICANE DOLLY ADVISORY NUMBER  13
NWS TPC/NATIONAL HURRICANE CENTER MIAMI FL   AL042008
1000 AM CDT WED JUL 23 2008

…DOLLY VERY NEAR THE TEXAS COAST WITH 100 MPH WINDS…EYE SHOULD
CROSS THE COAST IN A FEW HOURS…

A HURRICANE WARNING REMAINS IN EFFECT FOR THE COAST OF TEXAS FROM
BROWNSVILLE TO CORPUS CHRISTI…AND FOR THE NORTHEASTERN COAST OF
MEXICO FROM RIO SAN FERNANDO NORTHWARD TO THE BORDER BETWEEN MEXICO
AND THE UNITED STATES.  PREPARATIONS TO PROTECT LIFE AND PROPERTY
SHOULD BE RUSHED TO COMPLETION.

AT 10 AM CDT…1500 UTC…THE TROPICAL STORM WARNING NORTH OF PORT
O’CONNOR HAS BEEN DISCONTINUED.  A TROPICAL STORM WARNING REMAINS IN
EFFECT FROM NORTH OF CORPUS CHRISTI TO PORT O’CONNOR.

A TROPICAL STORM WARNING AND A HURRICANE WATCH ARE IN EFFECT FROM LA
PESCA TO SOUTH OF RIO SAN FERNANDO.

FOR STORM INFORMATION SPECIFIC TO YOUR AREA…INCLUDING POSSIBLE
INLAND WATCHES AND WARNINGS…PLEASE MONITOR PRODUCTS ISSUED
BY YOUR LOCAL WEATHER OFFICE.

AT 1000 AM CDT…1500Z…THE CENTER OF HURRICANE DOLLY WAS LOCATED
BY RADAR AND A RECONNAISSANCE PLANE NEAR LATITUDE 26.0 NORTH…
LONGITUDE 97.0 WEST OR ABOUT 30 MILES…50 KM… EAST-NORTHEAST OF
BROWNSVILLE TEXAS.

DOLLY IS MOVING TOWARD THE NORTHWEST NEAR 7 MPH…11 KM/HR.
A WEST-NORTHWESTWARD MOTION WITH A SLIGHT DECREASE IN FORWARD SPEED
IS EXPECTED LATER TODAY.  ON THE FORECAST TRACK…THE EYE OF
HURRICANE DOLLY WILL BE CROSSING THE COAST NEAR THE TEXAS/MEXICO
BORDER IN A FEW HOURS. PERSONS ARE ADVISED NOT TO VENTURE OUTDOORS
DURING THE RELATIVE CALM OF THE EYE BECAUSE WINDS WILL SOON
INCREASE QUITE RAPIDLY.

MAXIMUM SUSTAINED WINDS HAVE INCREASED TO NEAR 100 MPH…160
KM/HR…WITH HIGHER GUSTS.  DOLLY IS A CATEGORY TWO HURRICANE ON
THE SAFFIR-SIMPSON SCALE. STRONGER WINDS…ESPECIALLY IN
GUSTS…ARE LIKELY ON HIGH RISE BUILDINGS. SOME ADDITIONAL
STRENGTHENING IS POSSIBLE BEFORE LANDFALL.

HURRICANE FORCE WINDS EXTEND OUTWARD UP TO 25 MILES…35 KM…FROM
THE CENTER…AND TROPICAL STORM FORCE WINDS EXTEND OUTWARD UP TO 140
MILES…220 KM. PORT ISABEL AIRPORT JUST MEASURED 54 MPH…87 KM/HR
SUSTAINED WINDS WITH GUSTS TO 70 MPH…113 KM/HR. AN UNOFFICIAL
OBSERVER JUST EAST OF MATAMOROS MEXICO REPORTED SUSTAINED WINDS OF
65 MPH…105 KM/HR WITH GUSTS TO 119 MPH…192 KM/HR.  

MINIMUM CENTRAL PRESSURE REPORTED BY AN AIR FORCE RECONNAISSANCE
PLANE WAS IS 964 MB…28.47 INCHES.

DOLLY IS EXPECTED TO PRODUCE TOTAL RAINFALL ACCUMULATIONS OF 6 TO 10
INCHES…WITH ISOLATED AMOUNTS OF 15 INCHES…OVER PORTIONS OF SOUTH
TEXAS AND NORTHEASTERN MEXICO OVER THE NEXT FEW DAYS.  THESE RAINS
WILL LIKELY CAUSE WIDESPREAD FLOODING ACROSS PORTIONS OF SOUTH
TEXAS AND NORTHEAST MEXICO.

COASTAL STORM SURGE FLOODING OF 6 TO 8 FEET ABOVE NORMAL TIDE
LEVELS…ALONG WITH LARGE AND DANGEROUS BATTERING WAVES…CAN BE
EXPECTED NEAR AND TO THE NORTH OF WHERE THE CENTER MAKES LANDFALL.

ISOLATED TORNADOES ARE POSSIBLE OVER PORTIONS OF SOUTH TEXAS TODAY
AND TONIGHT.

REPEATING THE 1000 AM CDT POSITION…26.0 N…97.0 W.  MOVEMENT
TOWARD…NORTHWEST NEAR 7 MPH.  MAXIMUM SUSTAINED WINDS…100 MPH.
MINIMUM CENTRAL PRESSURE…964 MB.

INTERMEDIATE ADVISORIES WILL BE ISSUED BY THE NATIONAL HURRICANE
CENTER AT 1200 PM CDT AND 200 PM CDT FOLLOWED BY THE NEXT COMPLETE
ADVISORY AT 400 PM CDT.

$$
FORECASTER AVILA

Here is some pertinent information and links you will find useful should you be considering deployment opportunities for  Hurricane Dolly and emergency preparedness information coming out in the news:

Texas Department of Insurance Adjuster License Information:

http://www.tdi.state.tx.us/licensing/agent/index.html

Texas Department of Insurance Emergency Adjuster License information (for those who do not carry the Resident or Non Resident adjusters license):

http://tlo2.tlc.state.tx.us/statutes/docs/IN/content/htm/in.013.00.004101.00.htm#4101.101.00

http://www.tdi.state.tx.us/licensing/agent/revagtemeradj.html

Note that an adjuster must apply within 5 days of beginning work and the emergency adjuster license is only valid for 90 days unless that time is extended by the state.

Be sure to read this special memo to catastrophe adjusters and emergency adjusters in Texas for current information as well:

http://www.tdi.state.tx.us/licensing/agent/agemeradj.html

Here is the link for the emergency adjuster form and other TX license forms:

http://www.tdi.state.tx.us/webinfo/08qforms.html

It should be noted that the firms we have staffed for have all been requiring either a resident or non resident license versus allowing adjusters to operate on emergency licenses on all storms we have helped staff for this year so I have no doubt the same will apply to those we help deploy to Hurricane Dolly assignments since it is not a major catastrophe although the winds as of 10am have now increased to 100 mph.

Here is an interesting story from July 2008 on TX cracking down on unlicensed contractors you should also view:

http://www.khou.com/news/local/stories/khou080710_tnt_contractors.40e37006.html

This next link is also an interesting June 2008 news article on what financial impact is expected should a major storm hit the TX Coast and information on carriers there as well as impact on the TX Windpool:

http://polfeeds.com/item/Texas-Wind-Pool-Update

Also, in the event you need information to verify a  TX Public Adjuster license information, here are the links on the requirements of Public Adjusters in Texas:

http://www.tdi.state.tx.us/licensing/agent/agpubadj2.html

http://www.tdi.state.tx.us/licensing/agent/revaglityppia.html

http://tlo2.tlc.state.tx.us/statutes/docs/IN/content/htm/in.013.00.004102.00.htm#4102.105.00

Texas Windpool Adjuster News Links:

http://www.twia.org/news.html#adjuster_news

Texas Windpool new policy limits and rates info effective 2/2008:

http://www.twia.org/pdf/uw_bulletins/limits_revise_bulletin_Nov2007.pdf

Info from Tx Windpool on changes to Loss of Rents January 2008:

http://www.tdi.state.tx.us/alert/event/2008/documents/P-0907-13.pdf

The above link explains the proposed changes to Loss of Rents in Tx on secondary wind policies and below you will find the link to the hearing info on 1/29/08:

http://www.tdi.state.tx.us/alert/event/2008/event20087.html

Link to Texas Windpool Forms and Endorsements:

http://www.twia.org/downloads.html

Here is a link to the Top 40 Homeowner Insurance Companies by market percentage for the State of Texas:

http://www.tdi.state.tx.us/company/top40.html

 

 

If you are a newer adjuster and missed many prior blog entries on standby, independent contracts, temporary housing links to find housing for your assignment, you will want to review these prior blog entries providing you still current information:

1) What shots does CDC recommend for disaster workers (be sure to check this out if you are working flood claims):

http://dimechimes.wordpress.com/2008/06/16/what-shots-does-cdc-recommend-for-disaster-workers-watch-for-more-flood-adjuster-training-info-this-week/

2) Ladder Safety Concerns:

http://dimechimes.wordpress.com/2008/06/18/ladder-safety-concerns-for-adjusters-safety-equipment-suggestions/

3) Claim Adjuster and Agency Relationships- Part I and II:

http://dimechimes.wordpress.com/2007/08/08/agents-can-make-you-or-break-you-the-often-overlooked-piece-of-the-claim-service-puzzle/

http://dimechimes.wordpress.com/2008/06/12/claim-adjuster-and-agent-relationships-part-ii/

4) Standby Calls for Adjusters Part I and II:

http://dimechimes.wordpress.com/2007/09/10/the-big-c-commitment-problems-with-independent-adjuster-relationships-advice-by-guest-blogger-rocke-baker/

http://dimechimes.wordpress.com/2007/09/12/commitment-part-2-standby-calls-what-should-i-do-how-are-cat-codes-determined/

5) Here is the prior blog on working claims in Mexico with links to information you need to know to work claims there:

http://dimechimes.wordpress.com/2007/08/20/hurricane-dean-info-on-adjusting-firms-working-in-mexico-misc-adjuster-needs-in-mexico/

6) Crisis Intervention while working Catastrophe Claims:

http://dimechimes.wordpress.com/2007/08/16/crisis-intervention-while-catastrophe-adjusting-by-guest-blogger-steve-ebner/

7) Temporary Housing and RV Park Information for Adjusters and Insured ALE needs:

http://dimechimes.wordpress.com/2007/08/15/temporary-housing-links-for-adjusters-temporary-housing-optionsadditional-living-expense-training/

8 ) Understanding Independent Adjusting Firm Contracts:

http://dimechimes.wordpress.com/2007/08/12/splish-splash-dont-go-takin-a-bath-understanding-independent-firm-contracts/

9) Understanding Adjuster Fee Schedules:

http://dimechimes.wordpress.com/2007/08/14/adjuster-fees-in-the-news-the-time-is-now-to-educate-the-insurance-media-and-press/

10 ) Disaster Communications- Throw Away Cellphones You Say?

http://dimechimes.wordpress.com/2007/08/06/disaster-communication-issues-and-throw-away-phones-you-say/

11) Time Management Skills- Starting a Storm:

http://dimechimes.wordpress.com/2007/07/29/time-management-skills-how-to-start-a-storm-by-lenz-with-mariposaltd-claims/

12) Catastrophe Adjuster Resumes Do Differ:

http://dimechimes.wordpress.com/2007/07/26/catastrophe-adjuster-resumes-the-requirements-to-get-noticed-do-differ/

13) How much income can I make as an adjuster?

http://dimechimes.wordpress.com/2007/07/26/most-commonly-asked-question-is-how-much-income-can-i-make-as-an-adjuster/

14) Carrier Certification Requirements (you may not be able to deploy with them for some major carriers):

http://dimechimes.wordpress.com/2008/05/01/insurance-carrier-claim-certifications-where-do-you-test-for-them-much-improvement-needed-in-the-process-of-certifying-independent-adjusters/

Note, should you be looking for TX based independent adjusting firms for additional deployment opportunities here are several links which may be of use to you:

National Association of Independent Adjusters (you can search companies by state. This is an excellent link as NAIIA has experience and reputation requirements for member firms which should provide a safety net to adjusters looking for reputable adjusting firms):

http://www.naiia.com/   * See search tool to search state of TX in top left of home page

National Association of Catastrophe Adjusters:

http://www.nacatadj.com/Members08/MDList/Business.aspx

Catadjuster.org Employer listing search by state:

http://www.catadjuster.org/Directory/tabid/64/agentType/ViewType/PropertyTypeID/37/Default.aspx

Catadjuster.org Vendor Ratings (Also be sure to enter Vendor Feedback in search tool to check some available information on Independent firm reputations with adjusters:

http://www.catadjuster.org/Channels/EmployerRatings.aspx

Catadjuster.org Vendor Feedback Forum Archive Information:

http://www.catadjuster.org/Forums/tabid/60/forumid/40/postid/1915/view/topic/Default.aspx

We wish all adjusters reporting very safe travels! We will be contacting those on our rosters as our needs are definite.

Update 1pm CST:

Links to current damage reports at South Padre Island:

http://www.spislandbreeze.com/news.php

Counties involved in Hurricane Dolly landfall area:

Cameron County: Population in 2005- 374,000 plus- see Census reports and links to local hotels,etc:

http://www.epodunk.com/cgi-bin/popInfo.php?locIndex=22606

Links to other Cameron County info such as motels and airports:

http://www.epodunk.com/cgi-bin/genInfo.php?locIndex=22606#Cens

Road closure information for Cameron County to check for Road Conditions:

http://apps.dot.state.tx.us/travel/road_conditions2.htm

Willacy County poplulation- approximately 20,000 and other census info:

http://www.city-data.com/county/Willacy_County-TX.html

Willacy County Road closure information:

http://apps.dot.state.tx.us/travel/road_conditions2.htm

This news report states many more in the path of the storm and discusses some of the current damages witnessed:

http://www.sanluisobispo.com/topnews/story/419810.html

Tx Emergency Management Situation reports (latest about 1pm):

http://www.txdps.state.tx.us/dem/sitrepindex.htm


5.4 Earthquake hits Illinois and surrounding states 4/18/08- Watch here for staffing requests to follow

April 18, 2008

Fox News is reporting a 5.4 earthquake in Illinois- the strongest they say to hit the area in 40 years. Later reports are now saying 5.2 centered in eastern Illinois. They say it was felt in IL, IN. MO, KY, TN and others. Below you will find some of the initial reports. They are showing photos of brick damage to buildings in Louisville, KY now. Here are some of the initial reports. We’ll update this blog entry with more news and emergency adjuster licensing information in the states involved as the day progresses. We will also update this blog with all new staffing requests received as a result of this EQ as the week progresses so check back regularly.

EQ Info:

Us Geological website- see top left hand corner for today’s EQ info:

http://earthquake.usgs.gov/

This link provides info with distance from other cities- I see it’s only 38 miles from Evansville, Ind:

http://earthquake.usgs.gov/eqcenter/eqinthenews/2008/us2008qza6/

Illinois EQ info website:http://earthquake.usgs.gov/regional/states/?region=Illinois

 

Fox news release:

http://www.foxnews.com/story/0,2933,351698,00.html

Here’s more news on Chicago and Indiana:http://www.myfoxchicago.com/myfox/pages/Home/Detail?contentId=6338887&version=1&locale=EN-US&layoutCode=TSTY&pageId=1.1.1

 

News out of Ft Wayne, Ind:

http://www.journalgazette.net/apps/pbcs.dll/article?AID=/20080418/LOCAL/364069032/1002/LOCAL

News out of Grand Rapids, MI:

http://www.mlive.com/news/index.ssf/2008/04/earthquake_centered_in_illinoi.html

This post will be edited with more information shortly.


Supplemental Request 4/18/08 for TX licensed/Nationwide Certified Adjusters

April 18, 2008

 

We have received a supplemental request (original was 4/11/08-click here for all details on prior blog post on the opportunity) for TX licensed (resident or non resident) adjusters who do HAVE their Nationwide Insurance carrier certification exam. Please see the prior link for all necessary information for consideration. We do need the approximate date of your Nationwide passing exam as well as the name of the vendor you took the exam through as the adjusting firm we are staffing firm must verify with Nationwide that you have completed their certification. No exceptions can be made. Last week we received resumes from some outstanding experienced adjusters but they did NOT have the Nationwide certification thus we were not able to submit their information for this particular opportunity.

We do welcome all applicants for future opportunities but for this particular one- the Nationwide certification AND the experience requirements must be met for consideration. All others- please just specify in the subject area of your email that you are requesting roster placement.

Note that a 5.4 Earthquake has hit today in Illinois, we’ll have more information up on that soon as well as posting information throughout the week on any additional staffing requests so check back often.


6.0 Earthquake rocks NV, UT, parts of CA 2/21/08- Adjuster Information

February 21, 2008

Fox news has a breaking news story that a 6.0  EQ just hit Elko, NV. It is listed in this Fox news story as 430 miles from Las Vegas and 230 miles from Salt Lake City, UT. It also says folks as far away as southern CA felt the quake.http://www.foxnews.com/story/0,2933,331649,00.htmlThis report in the Salt Lake City Tribune is saying the worst damage is in Wells, NV:http://www.sltrib.com/ci_8323975

Here is more news on Reuters confirming Wells, NV worst damage:

http://www.reuters.com/article/latestCrisis/idUSN21267529

Looking at the statistics, Elko has a population of, 16,708 and 3,880 owner occupied dwellings and 2,320 rental tenant occupied dwellings for a total of 6.948 according to this demographic report of the area. The demographics for Wells, NV shows a population of about 1,300:

http://www.muninetguide.com/states/nevada/municipality/Wells.php

http://www.ci.elko.nv.us/econdev/area_description.htm#demo

Here are some demographics in Salt Lake City with over 1.2 million in the area with 181,000 in the immediate area.

http://www.saltlakecityutah.org/salt_lake_demographics.htm

Here are the links to :

NV Insurance Department on emergency Adjuster licenses:

Main licensing link:

http://www.doi.state.nv.us/Form-FormsIndex.htm#Producer%20Licensing%20Section

If you look at the 1/5/08 Press release at the Nv Dept of Ins website, you’ll see they have to declare a disaster to allow emergency adjusters to handle claims. They do not have one for the EQ today up as of this writing:

http://doi.state.nv.us/Press-Press2008Index.htm

Here is a link to some other state licensing info (scroll down to Insurance Adjuster) but it may be outdated since it says 2001 and some of the info on the Ins Dept website on the 1st link has pdf’s dated 06 and 07. If anyone finds the direct link to emergency adjuster licenses, please provide the direct link. This 2nd link shows that the fine is 1,000 per violation for handling claims unlicensed but I’m not finding the direct info to emergency licenses. Note, while they addressed resident and non resident adjuster licenses, there was no clear link to emergency adjuster license applications that I could find.

http://www.leg.state.nv.us/Statutes/71st/HtoL.html

These items came from the doi.state link above

1) This PDF provides info on 3 types of adjuster licenses and the fees involved:

KENNY C. GUINN STATE OF NEVADA ALICE A MOLASKY-ARMAN

Governor Commissioner of Insurance

SYDNEY H. WICKLIFFE, C.P.A.

Director

DEPARTMENT OF BUSINESS & INDUSTRY

DIVISION OF INSURANCE

788 Fairview Drive, Suite 300

Carson City, Nevada 89701-5491

(775) 687-4270 Fax (775) 687-3937

http://doi.state.nv.us

EFFECTIVE JANUARY 1, 2006

Effective January 1, 2006 the fee for the Recovery Account will be reduced from $15 to $10.

This reduction will be reflected in the total fees as follows :

FEE SCHEDULE EFFECTIVE JANUARY 1, 2006 ONLY FOR THOSE LICENSE TYPES THAT REQUIRE THE RECOVERY ACCOUNT FEE. There will be no refunds for overpayment of fees.

License Type Total Fees Affiliation Fee (if applicable)

Producer of Insurance $135.00 ($125 + $10)

$60.00 ($50 + $10)

(includes-limited credit, travel/baggage, fixed annuities and rental car agency)

Producer Agency $135.00 ($125 + $10)

 

Title Agent $135.00 ($125 + $10)

$60.00 ($50 + $10)

Escrow Officer $135.00 ($125 + $10)

$60.00 ($50 + $10)

Fraternal Agent $135.00 ($125 + $10)

$60.00 ($50 + $10)

Independent Adjuster $135.00 ($125 + $10)

$60.00 ($50 + $10)

Public Adjuster $135.00 ($125 + $10)

$60.00 ($50 + $10)

Associate Adjuster $135.00 ($125 + $10)

$60.00 ($50 + $10)

Insurance Consultant $135.00 ($125 + $10)

$60.00 ($50 + $10)

Motor Club Agent $88.00 ($78 + $10)

$60.00 ($50 + $10)

Surplus Lines Broker $135.00 ($125 + $10)

$60.00 ($50 + $10)


THE FEE FOR ADDING LINES OF AUTHORITY TO THESE LICENSE TYPES WILL BE $60.00 ($50 + $10

Here is also a PDF with Fingerprinting info:

JIM GIBBONS STATE OF NEVADA ALICE A. MOLASKY-ARMAN

Governor Commissioner of Insurance

MENDY K. ELLIOTT

Director

DEPARTMENT OF BUSINESS & INDUSTRY

DIVISION OF INSURANCE

788 Fairview Drive, Suite 300

Carson City, Nevada 89701-5491

(775) 687-4270 Fax (775) 687-3937

Website: doi.state.nv.us

E-mail: insinfo@doi.state.nv.us

NOTICE

To: All Insurers, Insurance Producers, and Other Interested Parties

Date: September 7, 2007

RE: Fingerprint card processing fee increase

Effective October 1, 2007, the fee for fingerprint cards will increase from $45.00 to $51.25 because of the increased fees charged by the Federal Bureau of Investigations (FBI) for the processing of fingerprint cards from Nevada.

The Department of Business and Industry, Division of Insurance (Division) requires an individual to submit two complete sets of fingerprints which are ultimately forwarded to the FBI to conduct a background search.

Any cards processed by the FBI after September 28, 2007 must include the appropriate fee. Accordingly, any application or submission received by the Division after September 28, 2007 must include the new fee of $51.25. Applications or submissions that do not include the appropriate fee will be deemed incomplete and will not be processed until the correct fee is paid.

The Division cannot guarantee cards will be processed at the lower fee.

Persons with questions regarding this information may contact the licensing section of Division at (775) 687-4270 in Carson City or (702) 486-4009 in Las Vegas.


DOC 324 C Fingerprint Fee Increase 09.07.07 jm

Note this info is also found on a PDF on the NV Ins Dept website with contact numbers of some of the major carriers in NV for adjusting firms marketing efforts:

ADDITIONALLY, HERE ARE A FEW TELEPHONE NUMBERS FOR CLAIMS

SERVICES FOR SOME OF THE INSURERS. WE WILL UPDATE THIS LIST AS

INFORMATION BECOMES AVAILABLE.

Updated 1/7/2008

AAA NEVADA (homeowners) – (800) 922-8228

and CSAA (auto)

ALLSTATE INSURANCE – (800) 547-8676

AMERICAN FAMILY – (800) 374-1111

CIVIL SERVICE EMPLOYEES – (800) 282-6848

and CSE SAFEGUARD

COAST NATIONAL – (800) 274-7865 (1-800-Bristol)

COUNTRYWIDE INSURANCE – (800) 846-0100

FARMERS INSURANCE – (800) 435-7764 (1-800-HelpPoint)

GEICO – (800) 941-3000 or (866) 435-1968

HARTFORD CLAIMS SERVICES – (800) 243-5860

IDS PROPERTY CASUALTY – (800) 872-5246

LIBERTY MUTUAL – (800) 225-2467

METLIFE AUTO & HOME – (800) 854-6011

NEVADA CAPITAL – (800) 986-9974 or (775) 321-1770 or (800) 381-2445

NEVADA GENERAL – (800) 840-4400

PERMANENT GENERAL ASSURANCE – (800) 280-1466 option 3

PROGRESSIVE – (800)-925-2886

SAFECO – (800) 332-3226

SHELTER INSURANCE – (800) 743-5837 (1-800-Shelter)

STATE FARM – (800) 732-5246 (1-800-SFClaims)

NATIONAL FLOOD INSURANCE PROGRAM – (888) 225-5356 (1-800-CallFlood)

Here is all the info I could find on the Adjuster licenses and application found on the Producer Licensing Link on their site:

STATE OF NEVADA

DEPARTMENT OF BUSINESS AND INDUSTRY

DIVISION OF INSURANCE

Procedures effective January 1, 2006

INDEPENDENT OR PUBLIC ADJUSTING FIRM & INDIVIDUAL FORMS & FEES

DOCUMENT #307

MAILING ADDRESS FOR PHYSICAL MAILING ADDRESS:

APPLICATIONS WITH FEES:

 

Nevada Division of Insurance Nevada Division of Insurance

P.O. Box 98572 788 Fairview Drive # 300

Las Vegas, Nevada 89193-8572 Carson City, Nevada 89701-5491

Any corporation that will be doing insurance business in the state of Nevada must be licensed by the Division of Insurance and qualified with the Nevada Secretary of State’s Office. If you have not already done so, you will need to contact the Secretary of State at (775) 684-5708. Your name and purpose must be approved by this office prior to filing your Articles of Incorporation (NRS 78) or submitting the Foreign Corporation Qualification to Do Business in Nevada (NRS 80). Any corporation that fails to maintain their qualification forfeits their right to do business in this state and must immediately surrender any licenses issued to them by this Division.

Domestic corporations must include the insurance clause in the purpose of their Articles of “TO ENGAGE AS AN ADJUSTER IN ALL CLASSES OF INSURANCE NOW AND HEREAFTER PERMITTED BY STATUTE.” THE LANGUAGE “ALL LAWFUL ACTIVITY” IS NOT ACCEPTABLE.

You can now access our forms and laws on our Internet website located at http://doi.state.nv.us. Our laws are found under Title 57 of the Nevada Revised Statutes.

INDEPENDENT OR PUBLIC ADJUSTING FIRM FORMS & FEES

REQUIRED FORMS:

1. BUSINESS ENTITY LICENSE APPLICATION:All portions of the application must be completed to be acceptable. All claims and records pertaining to Nevada risk must be administered and maintained in Nevada. The fee for the firm is $135.00. http://www.doi.state.nv.us/Form-PL-DOC325.pdf. If there are additional locations the fee for each additional location is $10.00. http://www.doi.state.nv.us/Form-PL-DOC322.pdf

2. AN INDIVIDUAL LICENSE APPLICATION MUST BE COMPLETED FOR EACH PERSON THAT WILL APPLY AS AN INDEPENDENT, PUBLIC OR ASSOCIATE ADJUSTER UNDER THE FIRM. List your agency affiliation on question 32. The fee is $195.00. Residents of Nevada must comply with Nevada’s fingerprint requirements.

3. Independent or Public Adjuster qualifications: The adjuster must be a resident of Nevada for at least 90 days prior to the submission of the license application. The adjuster must be 21 years of age and have 2 years recent (within the past five years) experience handling and adjusting claims. The adjuster must take and pass Part I and Part II of the “Producer” property and casualty PROMISSOR exams. You can access information on the exam by contacting PROMISSOR at 1-800-274-2609. The fee for an independent or public adjuster under a firm is $195.00.

4. Associate Adjuster qualifications: An associate adjuster must be 21 years of age. They are not required to take and pass the exam and they may be a resident or nonresident. They must be employed by a Nevada licensed independent or public adjuster. Residents must comply with Nevada’s fingerprint requirements. The fee is $195.00.

5. DOCUMENT 324 Resident’s requirements for Criminal History Search. The State of Nevada requires a criminal history report for applicants that are residents of Nevada. Complete 2 fingerprint cards with the detailed information required in DOCUMENT 324. You must attach the cards to your licensing application with a $51.25 cashiers check or money order made payable to the Department of Public Safety. The money order or cashiers check should be in a sealed envelope marked “DPS”. We will forward to the Nevada Department of Public Safety to obtain the criminal history report.

NRS 686A.225 Certain insurers to retain adjuster who resides in this state.

1. Except as otherwise provided in NRS 684A.060, any insurer who:

(a) Transacts property, casualty or surety insurance in this state; and

(b) Retains an adjuster to investigate and settle any claim arising under an insurance contract,

􀂬 shall retain an adjuster who resides in this state.

2. As used in this section, “adjuster” has the meaning ascribed to it in NRS 684A.020.

FEES: PLEASE PROVIDE ONE CHECK PAYABLE TO “NEVADA INSURANCE DIVISION.”ALL FEES ARE DEEMED EARNED UPON RECEIPT PURSUANT TO NRS 684A.110. NO REFUNDS WILL BE MADE.

DOC 307 Independent or Public Adjuster (rev 09.09.07 jm)

STATE OF NEVADA

Department of Business & Industry—DIVISION OF INSURANCE

Individual Resident and Non-Resident Insurance License Application

Mailing Address: P O BOX 98572, Las Vegas, NV 89193-8572 Office Delivery: 788 Fairview Dr #300, Carson City, NV 89701

(Please Print or Type)

Soc. Security Number

If applicable, NASD Individual Central Registration Depository (CRD) Number

Are you affiliated with a financial institution/bank?

Last Name JR./SR. etc

First Name

Middle Name

Date of Birth

Residence/Home Address (Physical Street)

P.O. Box

City 0

 

State 1

 

Home Phone Number

( ) -

Gender (Circle One)

Male Female

 

Are you a Citizen of the United States? (Check One)

Yes No (If No, of which country are you a citizen?)

Personal Business Name (dba) (Provide Nevada County Clerk Filing if you have a physical location in Nevada)

 

Business Address (Physical Street)

P.O. Box

City

Zip or Foreign Country

Business Phone Number

( ) -

Business Fax Number

Business E-Mail Address

Business Web Site Address

Applicant’s Mailing Address

City

Zip or Foreign Country

If Applicable, beginning date of residency in the State of Nevada: Nonresidents:

“Home State” where you hold a Resident License

Fein # ____________________________ Name of Agency

Fein # ____________________________ Name of Agency

Fein # ____________________________ Name of Agency

Employment History

Account for all time for the past five years. Give all employment experience starting with your previous employer working back five years. Include full and part-time work, self-employment, military service, unemployment and full-time education.

To

Position Held

Name

City State

Name

City State

Name

City State

Name

City State

Name

*********

New Procedures Effective 10/01/07

Submit to the Division of Insurance with your licensing application:

1. 2 completed cardsfingerprint cards completed as instructed below 2. In a separate and sealed envelope labeled DPS, a cashier’s check or money order for $51.25 made payable to Nevada Department of Public Safety Do not combine criminal history report fees with licensing fees.

The Division of Insurance will forward both fingerprint cards and the $51.25 cashier’s check or money order to the Nevada Department of Public Safety. The results will be returned directly to the Division of Insurance.

• Fingerprints may be done at the Promissor examination centers, local law enforcement office or from an authorized fingerprint vendor. All personal information boxes must be completed and

the following information must be written in the appropriate boxes on both cards.

Note
: Any criminal history report requested directly from the Nevada Highway Patrol will be accepted if previous procedures were followed until 4/1/04. If an applicant has had no criminal history, as indicated and certified on their application for a license, the commissioner may issue a license before the actual report is received.

The commissioner may suspend, revoke or refuse to continue the license if the applicant’s criminal history report shows a conviction or other criminal activity that was not disclosed on their licensing application.

F:/S/M/DOC 324 Fingerprints (rev 09.09.07 jm)

UT Insurance Department on emergency Adjuster licenses:Very interesting to see they waive the licensing exam for those with portions of the AIC program completed. This link provides their licensing fees and fingerprinting fees:   Adjuster License:  The exam is waived if the following qualifying conditions have been met:

  • Adjuster license applicants who have earned the Associate in Claims (AIC) designation, or have successfully passed AIC Exams #33 and #34, or #33 and #35, or #33 and #36. The AIC examinations are administered by the Insurance Institute of America.
  • Adjuster license applicants who are members of the Utah State Bar.

http://www.insurance.utah.gov/LicensingProc.html#licensing

I was able to find the emergency adjuster license info for Utah here:

http://le.utah.gov/~code/TITLE31A/htm/31A1A016.htm

and other licensing info here which does say it was updated in 2008:

http://le.utah.gov/~code/TITLE31A/31A1A.htm
 

____________________
“LUCK is where PREPARATION meets OPPORTUNITY”
Author unknown

“I’m not afraid of storms
for I’m learning how to sail my ship.”

Louisa May Alcott, Author (1832-1888)

 
 
   

Again, I apologize that the font size tool still can’t be found to consistently size font when combining information from several sources but I wanted to get this info out to you asap. I do recommend calling the UT and NV Dept of Insurance to be sure the information we could locate on the web is their latest guide regarding licensing BEFORE you go all the way out there without being properly licensed.


Storms in TN, KY, AK, AL, IN, MO, MS of 2/5/08- Adjuster Information on Emergency Licensing and Damage

February 6, 2008

We are already receiving reports of adjusters deploying to the February 5, 2008 storms. We are providing some information to assist you in assessing damage and claim potential as well as for emergency adjuster licensing issues. You will also find some other interesting developments from 2006 and 2007 posted below that may come up while out on assignment:

Adjuster Licensing/ Insurance Carrier- Adjusting Firm emergency licensing forms

AL

AL emergency adjuster license form:

http://www.aldoi.gov/PDF/Licensing/EmergencyAdjustersApp.pdf

Here is current 2/08 info about AL- interesting info about the passes and that they will overnight them. This is an online form and looks like it must be completed by the company to register an emergency adjuster

http://www.aldoi.gov/Licensing/EmergAdjustForm.aspx

AK:

http://www.insurance.arkansas.gov/License/forms.htm

http://www.insurance.arkansas.gov/License/LicenseFormfiles/adjuster_application.pdf

KY:

KY Adjusters license application info- for resident and non resident- see info on the pdf about emergency adjusters/90 days info: (this is last update from June 2007)

http://doi.ppr.ky.gov/kentucky/Documents/Agent/AdjusterApprenticeAdj06072007.pdf

Here is more info on Ky emergency adjusters on this form for companies sending in emergency adjusters:

http://doi.ppr.ky.gov/kentucky/Documents/Agent/catloss83071104REV05272005.pdf

MS

Links to applying for MS license:

On-line License Applications

MS first-time licenses or reinstatements available through Sircon as of Jan. 1, 2007

Go to http://www.sircon.com/Mississippi  “Apply for a License”

Agents/Producers

http://www.doi.state.ms.us/licensing/update.html

Test scores for residents

The Mississippi Insurance Department now has the capability to receive test scores electronically for resident agents/producers. The Testing Service submits the test scores to Sircon on a daily basis. As a result, resident applicants for first-time Life & Health, Property & Casualty and Adjuster licenses are no longer required to submit test scores with their applications. Our processors will verify the test results upon receiving the application, license fee and pre-licensing certificate.

Note that this link had some emergency PA rules too but MS has a new Ins commissioner so no telling how this will all pan out these storms:

http://www.doi.state.ms.us/bulletins/20067bull.PDF

Info on MS Emergency adjusters licenses is found in this former bulletin on emergency adjusters in MS during Katrina:

http://www.doi.state.ms.us/bulletins/20067bull.PDF

which says in part that Ms Code 83-17-409 authorizes emergency adjuster authorization by the state

I’m curious if this bulletin on PA’s in MS which expired in May 2007 will be renewed:

http://www.doi.state.ms.us/bulletins/20058bull.PDF


TN:

New Public Adjuster Regs in 07:

TN new Public Adjuster licensing provisions that were in effect in 2007:

http://tennessee.gov/commerce/insurance/documents/PublicAdjusterLicPkt052107.pdf

TN Insurance Division – can’t find any info on state license or emergency licenses for adjusters- it’s my understanding resident adjusters are not licensed here but you will want to verify that before coming yourself since I am not familiar with emergency licensing standards here and nothing posted on their site:

http://www.state.tn.us/commerce/insurance/index.html

Miscellaneous Info adjusters might need/be interested in:

MS- See this bulletin about Auto total loss claims bulletin found on DOI site:

Bulletin from 6-07 about sales tax and license fees if a carrier totals an auto on a loss which says a carrier has not made an insured whole if they do not include tthese fees for title, sales tax and license fees:

http://www.doi.state.ms.us/bulletins/20074bull.PDF


 

TN- see note above on new PA licenses required in case you must deal with a PA there

Also – interesting problem contractor listing found on the TN state consumer division site updated 1/31/08:

TN – Problem Contractor listing for Contractors who have failed to respond to complaints in case any of you run into them: (list of 1/31/08 found on Consumer Affairs site on Tn site

http://www.state.tn.us/consumer/documents/ProblemContractorsList.pdf

TN Building Code info – an update from TN Dept of Ins of 1/25/08 some of you may need to be aware of if working TN storm claims:

http://www.state.tn.us/commerce/documents/pr2008EmergencyRules_01252008.pdf


Storm Reports:


NOAA Storm reports over 60 tornado reports yesterday and over 100 hail damage reports:

Here is the NOAA Storm reports link for yesterday to check back for updates for those of you new in claims that don’t have this link:

http://www.spc.noaa.gov/climo/reports/yesterday.html

Last 3 hours reports more tornados in AL and TN:

http://www.spc.noaa.gov/climo/reports/last3hours.html

Here is the one cumulative called TODAY’s reports (note the ones above in the last 3 hours aren’t showing up yet on the site:

http://www.spc.noaa.gov/climo/reports/today.html

Photo Galleries of Storm Damage you might want to view:

Photo gallery of damage in Jackson,TN:

http://www.jacksonsun.com/apps/pbcs.dll/gallery?Avis=DQ&Dato=20080205&Kategori=PHOTOGALLERIES01&Lopenr=802060801&Ref=PH

Gallery of photos posted at the Tennessean (Nashville) on damage throughout the state:

http://tennessean.com/apps/pbcs.dll/gallery?Avis=DN&Dato=20080206&Kategori=NEWS&Lopenr=802060802&Ref=PH

News reports of the dead and destruction: 

Here is  a sampling of damage reports around the states from last night and this morning reporting 44 deaths and numerous injuries as well as much damage. The initial news reports here in TN were indicating 4 states involved but the NOAA reports show many others suffered hail damage as well like IN, MO, TX:

Some early reports indicating 31 dead:

http://gulfcoast.cox.net/cci/newsnational/national?_mode=view&_state=maximized&view=article&id=D8UKQ7681&_action=validatearticle

5 dead in Sumner Co, TN:

http://www.tennessean.com/apps/pbcs.dll/article?AID=/20080206/NEWS/80206008

Reports of 3 dead in Shelby/Memphis TN:

http://www.tennessean.com/apps/pbcs.dll/article?AID=/20080206/NEWS/80206012

Madison/Jackson,TN damage:

http://www.tennessean.com/apps/pbcs.dll/article?AID=/20080206/NEWS/80206014

4 killed/20 injured- Madison/Jackson:

http://www.jacksonsun.com/apps/pbcs.dll/article?AID=/20080206/NEWS01/802060331/1002

Arkansas- 13 dead/damage in 9 counties:
http://www2.arkansasonline.com/news/2008/feb/06/tornadoes-rip-state-kill-8/?news/arkansas

An earlier report out of Arkansas:

http://www2.arkansasonline.com/news/2008/feb/05/severe-thunderstorms-were-forecast-arkansas-tuesda/?news/arkansas

4 deaths reported in AL this am:

http://blog.al.com/spotnews/2008/02/at_least_two_dead_in_storms_in.html


I’m sure by the time this blog is reported these numbers have risen. Our prayers go out to all damaged communities and families who have suffered losses. We also pray for the safety of all adjusters reporting to these storms. It is most difficult to work losses with these numbers of fatalities involved.

For those of you who are members at ClaimSmentor, we’ll post additional claim stats on the damage in our Storms Forum.

Don’t forget there is also a roster by state of residence of participating adjusters which now includes hundreds of experienced adjusters with their resumes uploaded which participating adjuster firms can use at no charge (it also indicates if the adjuster has uploaded their resume as well as their experience level directly on the state alpha list).

We are also available 24/7 to assist with any carrier or adjusting firm staffing needs. There is a charge for our services. Note our new office number now that we have relocated to TN is 615-435-4177 or Cell 850-496-7831 if you need additional staffing assistance.


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