Spring Cleaning Time! Dust off that 2011 Resume and Update it for 2012 Assignments!

April 30, 2012

It’s hard to believe we are already at the end of the month of April already.

While doing personal spring cleaning projects this past week, it dawned on my now is a great time to remind adjusters to update their resume with the work completed in 2011 and get it out to the firms you are on their roster for. This would include updates to any additional state adjuster licenses acquired, new assignments completed in 2011, updated references, and more.

When you get your update done, don’t forget to update your resume on ClaimSmentor. It’s simple to do so you will be included in our roster all participating adjusting firms have access to. Just click on the Menu tab in the forums after login then click on the Profile tab and you’ll find the resume field there. If you already have an older resume, just click on Browse and it will over ride the one currently on the roster.

We are still seeing way too many resumes that could use a good revision. While we’ve had a few experiences with adjusters who embellished their resume experience, I find much the opposite where many GREAT candidates leave out important and pertinent details on their resume. It’s only after we’ve discussed an opportunity and I explore their background more that I find out they are selling themselves short in so many cases! Some of the most important elements are missing such as:

1) What is your objective? Are you looking for staff or independent adjusting or claim management positions?

2) Are you looking for catastrophe claim assignments, daily claim assignments (in a fixed territory near home), are you looking to handle property claims only or do you have liability experience as well. Heck some times I don’t even know due to lack of details if the candidate is looking for auto claim assignments, residential claim assignments, or commercial property or liability claims.

3) Often missing are important details on the types of claims you have handled such as mobilehomeowners, flood, residential, retail, small business, churches?

4) What perils are you experienced with? Hail, tornado, hurricane, water, fire, grease fires, theft losses?

These are but a few of the examples and the biggest would be lack of core competencies you have that summarize your skills.

If you need help creating a new and improved resume, we do provide resume services prepared directly by me with over 30 years in claims to include staff and independent claim management so I am well familiar with the key components you need to be considered by an adjusting firm for their “A” list.

Should you wish more information on this resume service or simply want a critique of the one you are using that may not be producing the results you need, then email me at dkmoroy@dimechimes.com for more information.

In case you missed it, here is a link to my published article in Claims Magazine on Catastrophe adjuster resumes as well:

Don’t forget to view our latest published article as the cover story in the August 2007 issue of Claims Magazine (now called www.PropertyCasualty360.com titled a “A Box of Chocolates?”. They did a fantastic job with the cover photo to match the article:

http://www.propertycasualty360.com/2007/08/03/a-box-of-chocolates

Updating this February 2008, here is a link to our newly published article in Claims Education National Underwriter’s quarterly magazine on “Luck- Where Preparation Meets Opportunity”  :

www.claimseducationmagazine.com/pdfs/CEM_Winter_08_v1.pdf

https://dimechimes.wordpress.com/2008/02/05/luckwhere-preparation-meets-opportunity-published-208-in-claims-education-magazine/

Here is also a link to our first published article from June 2006 on Catastrophe Adjuster resumes published on Claims Magazine(now called PropertyCasualty360.com):

http://www.propertycasualty360.com/2006/05/25/speaking-of–catastrophe-adjusting

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Filed Court Documents on Class Action filed against Worley and BP by Adjusters on Overtime Issues/Daily Rate- Part II

February 11, 2011

We previously posted about the information learned about a Class Action lawsuit filed on behalf of BP adjusters working oil spill claims.

Here is a link to the original post if you missed it:

https://dimechimes.wordpress.com/2011/02/09/adjusters-handling-bp-claims-file-a-class-action-lawsuit-on-two-issues-overtime-pay-and-failure-to-receive-65-of-daily-fee-per-contract/

This post now contains the two Complaints filed by the adjuster seeking to represent the Class of adjusters who worked the claims:

Altier v Worley BP et al gov.uscourts.laed.145020.1.0 This is the Complaint filed seeking Class Action on Overtime Pay Issues although they were independent adjusters working on a daily rate

Alteir v Worley only  This is the Complaint filed seeking Class Action on alleged failure to pay BP Adjusters 65% of the daily rate they received per Adjuster

Thank you to the source who provided the copies of the court documents. We will continue to follow this case and post updates as we learn them as we feel this is a significant case that all carriers and adjusting firms as well as adjusters will follow due to the daily rate/ employee vs independent contractor/ and overtime issues involved.


” Adjusters ” handling BP Claims file a Class Action lawsuit on two issues- Overtime pay and failure to receive 65% of daily fee per contract

February 9, 2011

Roy Cupps over at CADO posted this link in the forums there regarding a Class Action lawsuit filed by MS Attorney JP Hughes  (I could not locate a website for him but I’m working on it through network connections )on behalf of the adjusters handling the BP claims regarding two issues:

1) Overtime pay- working more than 40 hours per week and not receiving over time pay (they were on daily rate)

2) Alleged failure of adjusting firm to pay adjusters their 65% of the daily rate they were paid by the BP Fund

For complete details, here is the link:

http://www.courthousenews.com/2011/02/09/34026.htm

This is definitely a case to watch as it is standard for independent adjusters to receive a daily rate of pay for each day worked on a catastrophe or daily assignment where they agree to work for a stipulated daily rate for a given split of the daily rate. The rate these adjusters were paid is on the high end of the daily rate independents normally receive. I have no idea why this alleged adjuster would feel entitled to time and a half for hours worked over 40 hours unless the contract indicated the daily rate was for a given 40 hours which is unheard of in the claims industry for independents working on assignment.

I am very curious if this person was actually one of the actually non claim folks working on BP claims. I have actually been told by several were working in field offices that BP Csar Ken Feinburg changed adjuster job titles to “evaluators” when he took over. If that is true, do you think that the prior findings of the Fair Labor Standards commission would differ on findings on this class action?

If you missed our prior several blogs on overtime issues and adjusters, here are links to prior blogs on the topics and prior decisions on some of these cases:

https://dimechimes.wordpress.com/?s=Overtime

https://dimechimes.wordpress.com/2010/02/27/supplemental-info-on-geico-auto-adjuster-overtime-issues/

https://dimechimes.wordpress.com/2010/02/02/fenton-et-al-v-farmers-insurance-exchange-no-07-4864-dc-mn-2009-mn-staff-claims-adjuster-overtime-decision/

https://dimechimes.wordpress.com/2010/01/06/geico-wins-case-on-overtime-issues-for-auto-adjusters-view-washington-post-article/

https://dimechimes.wordpress.com/2009/02/27/adjuster-overtime-issues-supplemental-info-from-none-other-than-attorney-gloria-allreds-current-news-letter/

https://dimechimes.wordpress.com/2007/09/24/insurance-adjuster-overtime-pay-issues-and-complaints-in-the-news/

Regarding the second issue of alleged failure of  Worley Adjusting firm to pay the agreed 65% split of the daily rate, I find that very hard to believe as they have such an excellent reputation for paying adjusters fairly in the claim industry which is remarkable considering the number of adjusters who have gone unpaid by unprofessional firms since Katrina. I assume we’ll be able to view the contract when documents are filed during discovery on the case to show first of all the daily fee Worley was receiving per “adjuster” as well as the independent contract terms they were using on this assignment. I’ll keep an eye out for those to make the records in the coming months.

There were many experienced adjusters who would gladly have deployed for the given rate of pay. In addition, adjusters working out of town at BP assignments were given daily per diem while working which is unheard of for independent adjusters working for insurance carriers so those who were lucky enough to be deployed were most thankful for the assignment.

I think this case will be closely watched by all insurance carriers who use independent adjusters on daily rates. I know I will be closely following it. You can as well by subscribing to this blog to watch for updates as we post them.

If you also want to follow this discussion going on over at CADO where Roy Cupps posted this information, here is the link to that topic forum discussion there:

http://www.catadjuster.org/Forums/tabid/60/aft/11695/Default.aspx#22348


Sponsor Opportunities Available for 2011 at ClaimSmentor

January 8, 2011

New for 2011 is acceptance of Insurance Claim Recruiters, Temporary Staffing agencies,  Insurance Company HR personnel and claim recruiters as Sponsors at ClaimSmentor www.claimSmentor.com.

Interested claim recruiters, temporary staffing agencies, adjusting firms, claims service organizations, and software vendors should email dkmoroy@dimechimes.com for complete details.

Our Sponsor package includes up to 10 FREE job postings in our Career forum per month, free postings about upcoming seminars your firm is hosting, and special discounts you offer to our ClaimSmentor members. Sponsors also receive 100% access to our roster of adjuster members. Much more ….contact me at above email if interested in helping keep our e-mentoring program active for auto, property, and casualty adjusters.

We will reach our five year anniversary next week and currently have approximately 1,600 members and are very proud of it! Unlike other claim forum sites, we require preapproval for membership to confirm we are all licensed adjusters or claims managers. Members upload their resumes for adjusting firm and insurance recruiters use. Our desire is to enhance the job opportunities available to our members for consideration in 2011 by now accepting insurance claims recruiters for our members who are located nationwide.

Also- all welcome to join our Linkedin group and our Twitter group:

http://www.linkedin.com/groups?mostPopular=&gid=1820952

www.linkedin.com/in/claimSmentor

www.twitter.com/claimSmentor

You can also follow our blog entries by clicking on the SUBSCRIBE tab in the dark gray area at the top of this blog.


Eternal Father Strong to Save- A prayer for Americans during the BP Gulf Coast Oil Spill Recovery- Open Letter 3 to President Obama and Admiral Thad Allen

June 15, 2010

President Obama is speaking from NAS Pensacola, FL as I write this. It is the most support I have seen him express to the brave men and woman serving in the US Armed Forces  since he began his Presidency. I am taking this particular speech very personally as my father, my brother, and my brother in law are all buried at Barrancas National Cemetary at NAS Pensacola.  I cannot bear the thought of the memories of our childhood being destroyed with the gulf oil tar nor of disturbing the area so others can  grow up with the same wonderful memories our family shares from the area during our youth when my father was stationed there.

I still  have family in the area including my nephew Ryan who is attending college at the University of West Florida  following in the foot steps of my wonderful father and brother who also attended the University of West Florida in Pensacola, FL. His degree is going to be in the marine industry. He too is watching his dreams disturbed by the worst environmental disaster in Amercian history as he faces unemployment working part time in the beach restaurant industry as a means of income to help cover his expenses while in college.

President Obama- thank you for doing us proud with your military speech in Pensacola and for finally showing our military of all branches the respect and honor they so much deserve. As a military brat as us military children are known as, we do know the sacrifices having watched our fathers depart on Naval aircraft carriers, departing for war, and the fear and sadness we experience as we support our brothers, sisters, neices, nephews, sons, daughters, and our fathers as they protect Amercians at assignments both at home and have to regularly leave us to go abroad to protect us around the world.

I’ll end this thanks with the words of my very favorite navy hymn heard every Sunday growing up on military bases and attending church at military chapels where our father was stationed.  If you really listen and read the words, I think you will agree this song represents all of our prayers for our military, our national guard members, our claims adjusters who will have to work in these coastal environments during hurricane season, and our BP responders constantly exposed to the oil spill tar and disperants as they clean up our beaches and marshlands and experiencing illness as a result. We also extend this as a prayer to all gulf coast residents suffering from this oil spill :

             Eternal Father Strong to Save – Original Version

             The original words are:

Eternal Father, strong to save,
Whose arm hath bound the restless wave,
Who bidd’st the mighty ocean deep
Its own appointed limits keep;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
O Christ! Whose voice the waters heard
And hushed their raging at Thy word,
Who walkedst on the foaming deep,
And calm amidst its rage didst sleep;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
Most Holy Spirit! Who didst brood
Upon the chaos dark and rude,
And bid its angry tumult cease,
And give, for wild confusion, peace;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
O Trinity of love and power!
Our brethren shield in danger’s hour;
From rock and tempest, fire and foe,
Protect them wheresoe’er they go;
Thus evermore shall rise to Thee 
Glad hymns of praise from land and sea.

For links to the origins and history and other more modern versions of this song, visit this link:

http://en.wikipedia.org/wiki/Eternal_Father,_Strong_to_Save#Lyrics

**Note the Episcopal version is also very appropriate and shown on the link above

I find the following musical version very comforting at times like these and hope you will enjoy the music and pictorial vision as well:

http://www.cyberhymnal.org/htm/e/t/eternalf.htm

Please pass this on in hope it brings a focus to the faith that God will protect us and keep us safe. Especially for the families of the victims killed in this BP Oil explosion. Our prayers are with you every single day. Just click on the title to this blog today and you can then copy and paste it into an email to your friends and family suffering through this disaster or serving in recovery efforts.

Respectfully,

Debbie Moroy, AIC,IIA  ClaimSmentor Founder www.claimSmentor.com

 

 

 


How will the BP Oil Spill damage effect insurance adjusters during hurricane season? Read about reports of locals getting ill performing work in spill zones-CDC Recommendations for Safety in Oil Spill areas

May 27, 2010

I have been regularly following the updates on the BP Oil Spill and what seems like regular updates about claims litigation with BP and others involved in the loss which I’ll report on more tomorrow.

For now, this post concerns the illness local fisherman working the clean up are reporting due to disperal of chemicals to fight the oil spill. This sure concerns me as to what safety measures carriers are planning in their catastrophe planning to keep adjusters safe when working coastal hurricane damage that could spread this chemical as well as the oil into neighborhoods adjusters will be working in. Any of you that worked Katrina remember the talk of the “Katrina cough” many reported getting within weeks of working Katrina losses.

I think these are some must read articles and a video from Fox News on the chemicals being sprayed over the oil spill areas in the gulf as well as the discussions of government health clinics being set up and protective gear recommendations. I don’t know how our claims industry will be addressing these serious health issues. I  also check edCDC to see if they have added information yet on the oil spill safety recommendations and found a wealth of information on safety concerns for those working around oil spills here:

http://www.cdc.gov/niosh/topics/oilspillresponse/?s_cid=3ni7d2TW1005042231

Here is also a prior blog done on CDC recommendations for shots for those working in flood zones:

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

First here is a short update about the new numbers of claims BP  has received as of 5/26/2010 and BP’s plan to appoint an independent claims mediator:

Business Insurance News Story: BP to appoint independent claims mediator
—————————————————————

Story Link: http://www.businessinsurance.com/article/20100526/NEWS01/100529936

Here’s the article about local fishermen getting sick who are trying to help with the clean up:

http://www.foxnews.com/us/2010/05/25/louisiana-fishermen-reportedly-getting-sick-cleaning-gulf-bp/Biden

Here is a new article out this morning about Louisiana recalling 125 boats out working oil spill clean up due to illness:

http://news.blogs.cnn.com/2010/05/27/crews-involved-in-oil-recovery-feeling-sick-boats-recalled/

 Here is a Fox news video from yesterday about the toxic nature of this chemical. It makes me wonder what this means for adjusters this hurricane season trying to inspect coastal storm damaged properties:

http://video.foxnews.com/v/4212284/less-toxic-oil-dispersants-unavailable?playlist_id=86856#/v/4212284/less-toxic-oil-dispersants-unavailable/?playlist_id=86856

I checked my favorite career site for Hazwoper jobs yesterday and came up with over 1,455 jobs:
http://www.indeed.com/jobs?q=hazwoper

Also- the Twitter posts on BP Oil Claims is unbelievable- just go to www.Twitter.com and enter #BP or enter #hazwoper in search and you will be amazed at the number of firms offering training or job opportunities. Matter of fact, my husband got a call about our boat which is still over in the panhandle saying someone from an agency stopped by and asked if he would be interested in the opportunities for clean up duties in the gulf with his boat which was quite a surprise to hear they are still looking for boat owners to work clean up.

If you haven’t read and seen enough yet, I highly recommend you view this CNN Anderson Cooper video from his trip today on the Louisiana shore- it is just devastating to watch for those coastal lovers like we are:

http://ac360.blogs.cnn.com/2010/05/26/video-ac-its-just-dead-out-there/

More to follow tomorrow!


Outstanding article by the President of the CA Assn of Independent Adjusters on Fee Schedules Contributing to Independent Adjusters leaving the Industry

May 16, 2010

I ran across this newsletter from December 2008 in the California Association of Independent Insurance Adjusters December 2008 newsletter which is the best written article  I’ve come across discussing a topic of great importance to all Independent adjusters which is the perception/reality that carriers no longer are treating independent adjusters as independents. Specifically, it addresses the change in fee schedules and billing procedures as well as the fact this is driving off the independent adjusters from this business. Great job to the then President -Pete Vaughn- for putting this President’s message together.

I think every conversation I have with a claim manager and/or adjuster these days always turns to the problem with fee schedules. Among the rumors folks have shared with me- some I can confirm- some are rumors at this point as far as my knowledge goes- include a state carrier requiring adjusting firms to offer a 5-10% discount off of the CARRIER fee schedule to be a selectee on an RFP (ludacrist!), rumors about carriers reducing THEIR fee schedule by large percentages in 2010 allegedly due to the glut in numbers of adjusting firms, and probably the largest complaint is that the insurance companies are putting out RFP’s for adjusting firms to bid for their work and agreeing to one price based on one set of terms such as limited assignments and now requiring more file requirements and more be done and expecting it to be done for the reduced fees a firm may have agreed to. In addition, when an insurance company brings on too many firms, this limits the number of assignments one firm may get. This does not give an independent adjuster enough files to even justify the monthly cost of estimate software to work daily (non- catastrophe claims).

On top of the fee schedules being reduced, independent qualification criteria is much more costly for attending the ever growing number of carrier certifications which requires independents incur travel and lodging expenses to attend these tests. The second major change in the past few years is the requirement for independents to acquire and maintain up to 15 non resident licenses which I hear are costing them about 1,000 for the fees if they do obtain them all in the gulf coast states. While it makes sense to obtain the non resident licenses from the standpoint an adjuster can be used for cat and non cat claims even when an emergency has not been declared in a state with a smaller storm yet there is a reason that states have emergency adjuster licenses available once a governor has declared a catastrophe to allow non resident adjusters to come into a state to work storm losses.

Well enough of my comments in response to this great article written by the then President- Pete Vaughn – so here is the link to the December 2008 issue so you can read the article yourself. I hope this generates a comment from the writer of the article on new trends he is seeing in 2009 and 2010 since this article has been written. From what I’m hearing- the fee schedules are much worse if anything. I’d be interested in your thoughts as well as his as to what you are experiencing out in the field.

Here is the link- http://www.caiia.org/sr/1208caiia_sr.pdf

I agree whole heartedly with this article- do the carriers want a cheap price or do they want the quality work which policyholders deserve? At this point, it certainly appears their overriding decisions are based solely on price driving many experienced adjusters to leave this industry based on the lack of work and when their is work, the fee schedules are unreasonably low which do not begin to cover an independent overhead to cover their software expenses, travel and lodging expenses, and their equipment needs and maintenance issues for vehicles, computers, ladders, and annual certifications.