Welcome to Dimechimes Corporation Adjuster Information Blog

July 26, 2007

Welcome to the newer version of our blog! We will post updates to claim data from new significant storms, updates to job opportunities, and updates to information independent adjusters, claim representatives, cat adjusters, and claim managers need to know about developments in the claim adjusting community.

We have moved to a new blog site which allows us to have pre approval on comments posted to maintain the professional intention of our blog for members on our rosters and firms using our services.

We hope you visit us often!

Best Regards,

Deborah K Moroy, AIC,IIA


Dimechimes Corporation Claim Staffing and Recruiting

Proud sponsor of ClaimSmentor

Catastrophe Adjuster resumes- the requirements to get noticed do differ!

July 26, 2007

We are quickly approaching the peak hurricane season. We talk to many adjusters about their resumes when they call to find out how they can get noticed with the thousands of adjusters who have entered this field due to the strong hurricane seasons in 04/05.

Here is a link to our published article in the June 2006 issue of Claims Magazine regarding Catastrophe adjuster resumes with some suggestions for enhancing your resume. Many career websites tell you that your resume will only get a 20 second overview before HR personnel determine if they want to continue reading and considering you as a viable candidate:


Here is also a current list shown on our Opportunities page with a list of important information you need to be sure is included as commonly asked for by most adjusting firms looking for quality candidates:


Adjusting firms offering opportunities to work Condominium Claims

July 26, 2007

Is your background working residential homeowner claims only? You might want to expand into specialization  handling condominium master policy claims and condo unitowner claims.

We’ve been watching recent developments with adjusting firms offering positions for adjusters to work as interior estimators and damage scopers for their firms. Essentially from speaking with 2 firm owners this past week, they place a team leader in charge of the claim file who is responsible for overseeing file requirements are met and that there is consistency is the estimating process between estimators in the various interior units, buildings, and common element areas. They are then assigning teams of estimators to do the actual line by line estimate entries using macros to enhance the estimating process for a more prompt conclusion to the file.

Adjusters can quickly lose control of a claim involving condominium complexes. In fact, you might want to take a quick look at this website that abounds with nightmares from condominium complexes on repair issues and insurance settlements: http://www.ccfj.net/condoaart.html

You need to learn the important rules of the road on controlling these claims to properly handle them. Examples include the state condominium statutes which vary by state, differing regs on mediation procedures for condominium master policies such as that in Florida and a host of other issues. These tend to be high profile claims drawing media attention as well as the ire of an agent that worked very hard to obtain that customer should you mishandle the claim creating an unsatisfied customer.

We have spent months researching the Florida Condominium claim handling information. We now have a reference self study guide available providing links to all kinds of information you need to be aware of to process claims. It is not just the statute you need to know. You need to understand what is going on in the insurance condo market in FL, the new FL Condo mediation guidelines, media guidelines some carriers prefer you follow, and some general guidelines to understand how to deal with the Condominium Board and unitowners to prevent utter chaos for them as well as for you. There are also new regulations in FL you need to be aware of on claim settlement deadlines established in the state of Florida. It is important you comply with these guidelines as an adjuster to keep you and your adjusting firm out of hot water!

You can find these complete details containing these important reference links for your self study and field reference while handling claims  in our Self Study Guides at ClaimSmentor.

Watch also for the August 2007 issue of National Underwriters Claims Magazine for our article co-authored with Dennis Martin, CPCU on condominium claim handling information. You can view their magazine online here:


It generally updates with the new  issue at the end of the first week of a new month. We’ll provide the direct link as soon as it is up!

Opportunities to work Citizens Insurance of FL claims

July 26, 2007

We continue to receive many inquiries from adjusters about the opportunities available to work claims for 1 of the 45 Independent adjusting firms selected to work claims for Citizens Insurance of Florida.

Due to the number of requests, we have spent months following the topics to provide you links to information you should know to work the claims. We now have a list of the 45 vendors, the 103 page RFP the vendors had to use for operating standards to handle the claims with the amendments, the links to the 2007 Claim Procedure guide, links to the Citizens of FL Task force website and videos of task force committee meetings, Citizens Board meetings and links to the 45 vendors websites and have uploaded each of the Citizens pre-orientation meeting ads by selected firms  we could locate as well as informational emails put out by many of the adjusting firms involved. If you need the details so you have the whole picture (not just information shared by your vendor), visit ClaimSmentor for links to more information.

This independent reference material includes links to so many good news articles on issues you will be facing working in Florida should a hurricane be suffered by our residents again this year. We as adjusters well know that the Florida financial insurance crisis will increase the stress of the policyholders we serve and you should be aware of the many issues they are reading about.

Many adjusters do not know where to locate this information and the reference links you need are all located and provided for you. This will serve as a great field resource when you are out working assignments. Other important information you should view includes Citizens Fee schedules, the fines to be imposed for adjuster infractions of time service guidelines, and contact information for Citizens personnel should you have difficulty recovering your fee payments from firms as some have experienced in prior seasons. That is a whole new topic in and of itself we’ll address in another posting. This reference material is independent research- we are not affiliated with the task force or Citizens of Fl. We are simply a claim staffing firm and also citizens of the state of FL very concerned and proactive in our followup on claim handling issues adjusters are facing.

We are going to continue to follow the developments in training options for you and additional reference material.

How much income can I make as an adjuster?

July 26, 2007

  Web Tag: Insurance Adjuster Pay

We often receive the question from new adjusters about the amount of income a staff adjuster or an independent adjuster or a catastrophe adjuster can make. Many forums say this topic is taboo to speak about it on public forums.

Here are many articles found on public websites for your informational purposes for those of you exploring careers in this profession.

I’ll be posting in this blog later about pros and cons of staff adjusting versus being an independent adjuster. I continue to be amazed teaching online classes on ClaimSmentor how many adjusters have misconceptions about the freedom associated with being an independent because they really have no experience yet with the expectations of carriers for independent adjusters handling their claims….so check back often for updates on many topics!

This first article is by National Underwriter Claims Magazine now managing Editor, Eric Gilkey “Overwork/Underpaid”:


Here is also the latest Bureau of Labor statistics report on Adjuster pay:http://www.bls.gov/oco/pdf/ocos125.pdf

Here is one more salary link for you:


Here you will find a link to an interesting formula used by an adjusting firm for figuring independent pay! Let us know how accurate you think this could be!



**Update 8/14/07- Here’s another site with adjuster income projections:


Make sure you also review our 8/14/07 blog on Adjuster fees in the News for deductions from this gross income type of a listing.


It is very hard to pinpoint an “average” salary or compensation for an independent adjuster. There are many many variables such as the number of files assigned, the tight zoning of assignments in a territory or much travel involved between appointments, the fee schedules of the carriers and the fee split with the adjusting firm. Also, variables exist as to which expense items independent adjusting firms take a fee split on such as mileage, photos, tolls, and other items from the gross fee schedule billings. The net income to an  independent adjuster also varies greatly based on their temporary housing expenses at a cat site, gas expenses depending on travel from home and then site to site,etc..so there is no cut and dry answer but hopefully these well researched articles may give you some indication. Be leary of the ads and rumors you hear about those earning high dollars. While there certainly are those who do earn those figures based on years of expertise, there is no guarantee of such income. All independents can vouch for that after the slow 2006 storm season!