Carrier Claim Numbers Coming in from Last Weekend’s Storms in MS

April 9, 2008

 We’ve had inquiries into the need for Independent adjusters hoping for claim assignments after last weekend’s storm in MS. By way of a brief update, here is an article indicating about 8,000 losses expected with the majority 10K or less. With no carrier in this article reporting numbers over about 2,000 mentioned in the article, it is very unlikely this will produce a large demand for independent adjusters as carriers are very well staffed this year to handle a catastrophe of that size with their own staff adjusters. If we see the numbers rolling over to any significant numbers, I’ll update this post.

http://www.clarionledger.com/apps/pbcs.dll/article?AID=/20080409/NEWS/804090363

 Updated 4/10/08:

Here are some updated numbers reporting 4,450 total claims thus far reported in MS between the carriers polled with 2,300 the largest by 1 carrier for these Mississippi storms:

http://www.clarionledger.com/apps/pbcs.dll/article?AID=/20080410/NEWS/804100377

I’m starting to hear from independent adjusters now being deployed to TX for the Texas hail storms and will update the blog later today with carrier numbers coming in on the other TX and midwest storms from  the last two days.

Advertisements

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.


Auto Adjuster Claim Careers An interview with Carey O’Connor with CSP Claims

October 13, 2007

Special thanks to adjusting firm owner, Carey O’Connor with CSP Claims www.cspclaims.com for spending time with me Friday as I interviewed him for this blog series on careers in auto claims adjusting.

Carey’s background is similar to mine with many years on the staff claims side of the business prior to opening CSP claims with several other partners who also had claim staff management experience. I find that a very important element in the success of an independent adjusting firm since they know the “ins” and the “outs” of the business and how things work from a carrier management perspective. We are here to serve the carriers and I’m continually amazed to read some postings by some independents that don’t seem to understand that major point. I will say during my years as a staff claim manager, I worked with many wonderful outstanding independents who “got it” and did a great job for us and I’m sorry to see that many of those types of independents are gun shy about posting on some of the public forums where we could all be getting better reputations with the carriers. I’m seeking out some of these folks for blog interviews and would love to hear from many of you even if only in reply via comments to some blog entries.

Carey’s recommendations he agreed to share with our ClaimSmentor and Dimechimes Corporation readers interested in a career in auto adjusting includes the following:

1) The BEST place to get the multitude of training on the auto side( as well as the property side) is to work as a staff adjuster FIRST for a number of years to gain access to a thorough training program and a large variety of losses.

2) Carey feels the number one auto estimatic software a trainee should learn is CCC Pathways. He advises the majority of smaller and medium carriers who are using independents are either using this system currently or are moving to the system which he sees happening more frequently.

3) Carey highly recommends trainees participate in I-CAR training for learning many more aspects of collision estimating.

4)Carey advises that the top 2 catastrophe property assignments on auto claims assigned out to independent auto adjusters is for hail damage and flood damage to vehicles which can be learned in a very short period of time. Much more difficult is collision losses with many more car parts involved requiring a much more indepth training to properly estimate collision repairs to vehicles on daily claims.

5)Carey advises the majority of auto liability assignments they get from numerous carriers involves limited assignments for the property damage claims involving the repairs to a claimant’s vehicle.

6) In both cases (insured and claimant vehicles) the fee allowances by carriers runs on average about $70.00 per vehicle if inspected at a carrier’s catastrophe drive through operation or $110-$155.00 per vehicle for those handled at a body shop or storage facility or other location for non driveable cars. This rate depends on the allowance of the carrier. There is a fee split with the adjusting firm just as there is on the homeowner claims.

7) CSP Claims has access to a Paint/Dentless repair company for training auto adjusters and a new facility for property training classes and hopes to be offering the auto claim training classes in the not too distant future so you should check back with them after the first of the year if you are looking for a reputable source for your auto training classes.

(8) Carey also indicated the biggest challenge new auto adjusters face is dealing with the repair vs replacement parts issue with body shops and repair facilities similar to what property adjusters face in the home estimating side of things. To comfortably and professionally deal with these issues, Carey feels it is of utmost importance that a good auto adjuster stay up to date on current repair standards by continually taking advantage of the courses available to auto repair technicians to stay current and that you obtain your I-CAR Certifications.

(9) Similiar to a homeowner adjuster having an advantage if they have a background in construction, Carey thinks it is very valuable for auto adjusters to have previous experience as auto estimators or technicians involved at auto repair facilities so they can better be in a position to discuss estimate reconciliation issues with repair facilities. Better yet is to have prior experience as an auto staff adjuster with solid experience not only in repair procedures but claims experience and a significant understanding of the auto policies.

10) Carey felt from an assignment standpoint, the carriers are much more willing to assign auto claims out to independent adjusters due to the lower fees involved (vs homeowner fee schedules) and their firm has been successful in bringing in new carriers for assignments on the auto side while things from the homeowner side have been much slower for everyone in the independent industry. He agrees with our assessment that the majority of carriers have vastly increased the number of staff catastrophe adjusters leaving much less work on the independent side without major storms.

We thank Carey for his time sharing information with us for this blog to assist you in making your decisions regarding auto claim adjuster careers. We hope you’ll take a minute to visit their website at www.cspclaims.com

Here is also a link to information about I-CAR certifications mentioned above as well as to CCC Pathways with Paint/Dentless repair software that Carey mentioned.

We’ll address other Auto adjusting issues later this coming week as well as provide information on other auto estimatic software often requested such as Mitchell.


Tropics Active- Tropical Depression 11 forms – Hail in Phoenix,AZ?

September 23, 2007

Tropical Depression 11 is being monitored for development with reports indicating it may reach Tropical Storm status later today. Here is a link to the first advisory.

Ralph’s Tropical weather site is confirming what Fox news is saying that there are numerous other storms being monitored for development. Here is a link to Ralph’s weather site. It was last updated very late last night so check back for regular updates.

The news is also reporting golf ball size hail in Phoenix, AZ last night. The only thing I can find here on NOAA storm reports for yesterday is 1 report for Gila county with 1.75 size hail. There is also a report on there for hail in Fresno,CA. **update-Fox news weather is showing the golf ball size hail photos from Scottsdale, AZ. I couldn’t find anything in the local news reports in Phoenix or Scottsdale news.

We’ll update this later today as things develop. As far as TD 10 went, it made landfall next door in Ft Walton and we had absolutely no damage that I’m aware of in the panhandle.


Tee off at your own risk, CA court rules…but don’t forget the great contacts you can meet while playing golf

September 3, 2007

Labor day weekend was a great time for many adjusters to enjoy one of their favorite sports…golf.

I thought this was a great time to bring up a few recent articles on the subject. All adjusters know it is rare for a claim conference not to include a golf tournament. Here is a great article by CNN Money titled “Must I play golf to get ahead” that I think provides some great advice!

We talk talk talk about resumes, rosters, deployments and don’t bring up how important informal social network groups are to our careers. I think you’ll find some interesting statistics in this CNN article. You can find so many other opportunities for social networking in the claims adjusting community through activities at your local Claims Association meetings, through forums such as ours at ClaimSmentor, and Claim Conferences such as the annual NACA January convention for catastrophe adjusters.

We came across this recent CA Supreme Court  case involving State Farm which states:

“Being struck by a carelessly hit ball is an inherent risk of the sport,” the justices declared Thursday”

This case was applicable to injuries to other golfers and alludes to coverage to non participants.

I didn’t have time today to locate many internet cases on golf ball accidents to car windshields, home windows knocked out from the course,etc but I know I for one paid many such liability cases or damage to property of other cases (DPO)over the years! Just check the policy provisions for the carrier involved if assigned such a  case.as well as state law applicable to your case. Here is an interesting article on home ownership near a golf course and things to avoid. I never realized how much damage golf balls can cause to a home until a good friend of mine became distressed due to the constant new damage to her home causing her to finally sell it a year or two after purchase. Here is another good article on errant golf balls and also discusses “trespass” issues and golf hazards as well as this article discussing liability for the golf course itself for errant balls. Here is another interesting article about cases in MA for property damage to adjoining residents property.

Hey, we already knew that! Adjusters are very familiar with the damage that “golf ball size hail” creates! If you’ve never reviewed NOAA’s official hail size descriptions, golf ball size hail is described as 1.75 inches in diameter. ( Just some interesting “golf” trivia that has nothing of course to do with the CA case!)

If your new in claims, or an adjuster who happens to be a  new golfer, you might want to read this Rough Notes guide on golf cart liability coverage and exclusions while your thinking about taking up the game. Here is also an example of property damage coverage on golf carts in an ISO 2000 program with options for endorsement ISO HO 0528 for property coverage while other HO package policies may cover the cart itself. Some folks consider a floater policy specifically scheduling their golf equipment as shown in this article.Here is also an interesting article covering what kind of coverage a golf course program must consider to insure the golf course grounds and buildings. There is also a great expense put out by firms hosting the golf tournaments for insurance and awards..just look around this site as one example!

We maintain a running “Comprehensive Equipment” list on ClaimSmentor for new adjusters outlining everything they need to bring with them on their first storm with the input of our participants.We even had an interesting entry from one adjuster that buys hard golf club cases at the local thrift stores for transporting some of his cat adjuster equipment to storm duty using them to store office supplies such as tape, staplers, tape measures, etc. as he can easily move them to hotel rooms from his vehicle. You can never underestimate the mind of a cat adjuster trying to figure out alternative ways to move a mass amount equipment needed into a small truck or car for storm duty!

We hope everyone had a great labor day weekend. If you missed our blog on some interesting info on Labor  day and the 12 hour days/ 7 days a week work hours in the late 1800’s that lead to some of the Labor day unions, read here. Very interesting to note that in 2007 insurance companies are requiring those very hours from catastrophe adjusters!


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

President/Founder

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:

http://cms.nationalunderwriter.com/cms/Claims/Monthly%20Issues/Issues/2006/06/rn1?origin=chan
nels-Catastrophe

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:

http://www.dimechimes.com/Opportunities.html