Tropical Storm Isaac approaches US…Now is the time to refresh your Xactimate skills with newest sponsor www.TopAdjuster.com

August 23, 2012

ClaimSmentor welcomes our newest sponsor at www.topadjuster.com run by Chris Hatcher, AIC who provides an excellent opportunity to obtain your Xactimate Level I and II certifications online at a most reasonable cost.

To view more details about Chris’s claims background, you can view his Linkedin profile here. Make sure to notice the many recommendations on his profile from prior students. I did further research through Xactware who certifies instructors and verified Chris’s certification which you too can view here along with his excellent feedback score here.

As any followers of this blog or our ClaimSmentor forums knows, I have always believed in direct training through Xactware and rarely allow an individual training firm to be a sponsor at ClaimSmentor. I have made an exception with Chris Hatcher after watching him several years and first hand observing his professional skills and development with his program resulting in his association with the National Association of Catastrophe Adjusters and a featured speaker and trainer of Xactimate for the Windstorm Network.

Many independent adjusting firms are now requiring the independent adjuster obtain atleast their Level I and II certification on Xactimate usage to provide some comfort level that they are not deploying an adjuster who may be deploying with insufficient skills to be productive on assignment or an independent adjuster who believes they can “learn on the fly” on a catastrophe assignment. This is a development I am happy to see as the Level I, II, and III certification require the adjuster be tested on their Xactimate skills.

I receive numerous complaints annually about Xactimate training firms who have overcrowded classrooms, lack enough instructor help in the classroom, and little support help or material to use in the field when preparing their own estimates. Most Xactimate classes advertised online by most firms do not offer the actual certifications thus you still must pay a seperate fee to obtain your certifications through Xactware.

Top Adjuster is providing the actual certification Level I and Level II certifications so you are getting your training as well as your certification at a substantially lower cost. Definitely worth giving them a try for your certification needs.

Top Adjuster also offers field training classes for independent adjusting firms, insurance carriers, and for claim seminars so please contact Chris and Rachel Hatcher for further details at info@topadjuster.com . If you need Xactimate Sketch training as well you can ask Chris about their new training course on Xactimate Sketch usage.


Join us July 17th and 19th, 2012 for our online Homeowner policy Liability Claim Training Series- Info to register

July 6, 2012

We are hosting our next LIVE online claim training series on the Fundmentals of handling liability claims under Homeowner Policies for adjusters who wish to expand their claim handling abilities by understanding the Fundamentals of Liability claims.

For additional information to register and class syllabus, email Dkmoroy@Dimechimes.com.

We will host both an evening and a daytime session should there be a need. The evening class will be held from 6pm to 9pm ET on Tuesday 7/17/12 and the daytime course will be held from 11am ET to 2pm ET the same dates. All course material will include a self study field guide for your use when receiving liability claim ass


We now have 10 additional openings for registrants for our ClaimSmentor Fundamentals of Property Claims course starting 5/8/12

May 6, 2012

We had previously closed registration for our ten part series online LIVE of our ClaimSmentor Fundamentals of Property Claims Adjusting course which starts up May 8, 2012 and will be held on Tuesday and Thursday evenings from May 8, 2012 through Jnne 14, 2012 (off Memorial Day week).

We have now moved our class to a new software program which will allow to now accept 10 additional registrants for the course if you missed the deadline.

All class info and registration information was in this prior blog along with a link to our 125 question self assessment test to see if you can benefit from this class on this link:

https://dimechimes.wordpress.com/2012/04/28/claimsmentor-fundamentals-of-property-claims-handling-class-begins-may-8-2012-deadline-to-register-is-may-5-2012-at-5pm-et/

We can accept 10 more registrations with a new deadline of 2pm ET Monday May 7, 2012 to register.

 


Registration details on our May 2012 ClaimSmentor Roots and Wings Fundamental of Property Claims Adjusting Online live class

April 17, 2012

Yesterday, I posted information about our upcoming May 2012 five week live online training class for newly licensed adjusters in the following blog which also includes a link to our 125 question self-assessment test to see if this course will benefit you.

https://dimechimes.wordpress.com/2012/04/16/now-accepting-new-registrants-for-our-50-hour-fundamentals-of-claims-course-10-sessions-live-online-take-our-self-assessment-exam-and-see-if-this-is-for-you/

We are overwhelmed with requests for additional information and instructions for registration. We hope the following additional information will help you with your questions and registration information:

2012 ClaimSmentor Roots and Wings Fundamentals of  Property Claims Course Information

Thank you for your inquiry into our upcoming May 2012 Fundamentals of Property Claims Online LIVE class for newly licensed claims adjusters.

We recently wrote about this upcoming course in our social media outlets on Linkedin and in our forums as well as in this post on our Claims Adjuster Information blog  on April 16, 2012 here:

https://dimechimes.wordpress.com/2012/04/16/now-accepting-new-registrants-for-our-50-hour-fundamentals-of-claims-course-10-sessions-live-online-take-our-self-assessment-exam-and-see-if-this-is-for-you/

General Class Information- Dates/Times/ Format

This online LIVE training session will be held beginning the first week of May 2012. It consists of five weeks of training at two sessions per week held on Tuesday and Thursday evenings from 6:30-9:30 PM ET. We will provide the location on the internet to login to access all course material and to log in for classes to paid registrants. All material will be uploaded prior to the first session so class members can read the weekly pre-class reading assignments and class homework session questions at their own convenience to prepare for each upcoming class. All classes are LIVE and we value your input as we discuss the class material for each session to make sure you learn the material and your questions are answered. You will find each class very informative without rose colored glasses giving you the true picture of the property claims industry, carrier expectations, file requirements, employment options as either an independent adjuster or staff adjuster for an insurance carrier.

Please note that Memorial weekend will fall within the class term thus we will not host class Memorial weekend week to allow everyone to enjoy the holiday with family and friends thus we will finish up the course the second week of June 2012.

What is the cost to enroll in the ClaimSmentor Roots and Wings Fundamentals of Claims class?

The class consisting of the ten live sessions is $200.00 plus $25.00 for class material. This is a very reasonable $20.00 per class plus $25.00 for class material.  Divide that
down even further for the 50 class hours and you’ll find this price is unbelievably low.

How do I enroll in the class?

Enrollment is a simple two step process:

1)      Email dkmoroy@dimechimes.com to confirm your intention to enroll. Provide your full name, address,  phone numbers, and adjuster license number so we can begin to complete the registration process to be sure you are included in distribution of class information and emails.

2)      Payment which confirms your enrollment in the class is due no later than April 28, 2012. Payments are accepted through Paypal  at www. Paypal.com.  Paypal accepts payment in the form of credit cards, debit cards, and  electronic checks. Once you login to your Paypal account, you simply click on Send Funds tab at the top of the page. You then send funds to Debbie@Dimechimes.com.  Paypal will send you a receipt for your payment and we will acknowledge your payment and class confirmation.

3)      Refunds are only available for 48 hours after receipt of payment. If for any reason you do need to withdraw from the class at a later date, you will receive credit for any unused portion of your payment to attend any other session held during 2012 or 2013.

4)      Note there is a 20% discount offered to partner/spouses who register at the same time which helps those planning to work with an assistant who may or may not be a licensed adjuster but needs to know the claims protocol to assist you professionally. Just note on your payment in the comments who will be registering with you as an assistant to pay the discount.

Who will be instructing the course?

 

The course is created and hosted primarily by Deborah Moroy, Founder of ClaimSmentor, with over 35 years in the claims
industry with experience progressing through the claims ranks as an in office adjuster, field adjuster, reinspector trainer, claims supervisor, claims superintendent in both field and claim central in office operations, National Catastrophe team management which included supervision of both staff claim representatives and estimators as well as independent adjusters and call center operators and administrative support staff.

Thus the goal is to train you from the perspective of an insurance company claims management perspective so you know the true expectations to excel in the claims business.

You can view my complete profile and background on Linkedin along with recommendations for my work in positions held at:

www.linkedin.com/in/ClaimSmentor

I have taught this program to over 300 participants since 2006 and am amazed at the progress of these class members from the time they took the initial 125 question claim handling assessment test found on our blog to the professional responses to these same questions at the end of the class.

Does the class provide CE adjuster credits?

 

Not at this time. We teach this course for a most reasonable fee and to maintain that expense level, it is virtually impossible to obtain CE Credits from 50 states as we present this material to adjusters registered with ClaimSmentor throughout the USA and Canada. We will be providing CE credits with our extended version of this course in our field five week classes as they will be held in states with a large number of new adjusters making it possible to apply the CE  to the field classes.

Where can I find the class syllabus?

 

All 125 questions in our self assessment test are taught in an organized format to include adjuster resumes, independent fee schedules, independent contracts, agency and claims relationships, file requirements, estimate reconciliations for in office assignments, contents claims handling, additional living expense claims handling, catastrophe operations claim organization and carrier ratio expectations, bad faith claims handling, claim litigation,  working with attorneys and public adjusters, and much much more.

The full syllabus will be included in the class material for registered class members.

Will I obtain a Certificate of Class Completion?

 

Absolutely!

 

The class certificate is provided to all participants in one of two formats:

1)       If you participate in all 10 classes but chose not to submit each class pre-class homework assignment you will receive an Audit Only certificate verifying your attendance and participation in all 10 classes. We will be going over all pre-class assignment questions during each session so you will still acquire the information you need to learn applicable to each session. This option works well for those with a busy schedule which does not allow them time to do the homework questions but please note ALL participants must read all pre-class reading assignments so they can participate in discussions with each class.

2)      If you participate and complete all pre-class assignments, you will receive a full certificate of completion.

3)      NOTE: No certificates can be provided to any participant who does not attend all 10 class sessions without exception as we value the reputation of our classes and want to assure all  registrants receiving our certificates actually grasped the information important to excel in the claims industry.

Thank you again for your interest in learning more about our online classes at ClaimSmentor!


Now accepting new registrants for our 50 Hour Fundamentals of Claims course (10 sessions LIVE online)-take our self assessment exam and see if this is for you.

April 16, 2012

We are in the mist of the 2012 tornado and hail season with hurricane season soon to follow June 1, 2012.

As a result of the massive number of tornadoes and hail storms, we are already beginning to receive roster placement requests from numerous newly licensed property adjusters who believe the fact they have a license and perhaps an xactimate class and/ or a cat 101 class under their belt that they are ready to go out and service claims for carriers as a result of damage from these storms.

Check again- take our annual self assessment exam (free) to see how you fare on this exam and see how many of these basic claim handling questions for property claims you can actually answer:

https://dimechimes.wordpress.com/2009/02/13/have-license-ready-to-go-not-so-quick-take-this-self-assessment-test/

If you find your knowledge lacking after taking the exam, I highly recommend you register for our LIVE online 10 session Fundamentals of Property Claims adjusting class which will start up the first week of May. We will meet on Tuesday and Thursday nights LIVE online from 6:30 to 9:30 pm ET for five weeks to accomplish this training.

New in 2012 we will also be going on the road with an extended version of this course in a five week Monday-Friday to include many practical application workshops, guest speakers, and field trips to enhance your basic claim knowledge. These live classes will initially be offered in Jacksonville, Florida, Huntsville, TX, and Nashville, TN.

For complete details on our reasonable registration fees, course syllabus information, etc email dkmoroy@dimechimes.com for further details.

 


Xactimate Training Options through Xactware Why take it anywhere but directly from the source!

August 17, 2011

Let’s talk Xactimate training!

I continue to be annoyed each and everytime I see another outrageous charge for Xactimate training by many sources who have little under their belt besides a few months to a few years of catastrophe adjusting.

First and foremost, before you pay any fee to any organization you need to verify through Xactware whether or not they are even Xactware certified to vouch for their expertise in the Xactimate programs. It is simple to do so, here is a link at Xactware where you can find instructors and verify if they have certified with them to teach a course to assure you are learning from a true and TESTED expert in this field: View list here

The second most important reason to take your training from an Xactimate certified instructor is due to the fact only XACTWARE can actually certify you in your training by truly testing your skills to verify you are adept at using their software. They offer Level I,  Level II, and Level III online certification tests. I have seen variations in requirements by adjusting firms asking adjusters to obtain their Level I and Level II and sometimes Level III certification. Thus, even if you paid an outrageous price from a non certified vendor and haven’t taken the certification level testing, it is worthless from the standpoint of securing the required Xactware certification.

You will also note that Xactware lists Certified users on their website which you can view here . It is without a doubt if I owned an independent adjusting firm and searching for qualified adjusters, I’d definitely start with this list which even shows the adjuster state of residence as well- what a find for an independent firm looking for good daily property adjusters!

The contact I received that prompted this blog post was from one of my favorite claims associations. They were proposing offering of Xactimate training by a source offering the class for $5,500.00 to the group thus the cost per participant would be apparently divided among the participants. The name of the trainer was not revealed in the email received and they could or could not be Xactware certified but I have let the group know my thoughts which was the very reason for the existence of ClaimSmentor to prevent the training abuses I have witnessed in the independent field by, in some cases, very poor trainers and very worthless certificates for attendance being given to class attendees. As a claim manager and knowing the problems existing out there with many of the training firms, a certificate of attendance at training is worthless when it isn’t backed up by proper testing to make sure you can actually produce a professional estimate and claim file.

It is almost certain trainee adjusters are spending upwards towards $10,000 dollars attending claim conferences, seminars, insurance carrier certification workshops and in the majority of their cases they have yet to receive their first assignment. It is actually shocking. More on this subject later.

In the meantime, I cannot stress enough that you should take your Xactimate training directly from the source. It is more cost effective, it accomplishes the need to properly get certified to your own advantage, and with all of the new options they have available through webinars, online training, self study training, and opportunities to take field classes you obtain the proper workbooks so you’ll have them on the road with your first assignments, but also find step by step guidelines to reference as needed.

The most common complaints I hear constantly from adjusters taking Xactimate courses from numerous other sources include but not limited to the fact that the trainer to student ratio is very poor, that hours into the first day are wasted while instructors have to load Xactware on adjusters computers who didn’t follow instructions to do so before classes, and that they walked away with no training material whatsoever for future references which is greatly needed when it may be months between your class instruction and when you actually receive your first assignments.

Listen folks, do yourselves a favor and take this training seriously. It isn’t he with the cheapest class or the class most convenient to your home that matters. If your estimates are not professional and properly formatted, as an independent you will earn NOTHING as your files will continue to be rejected for corrections. Over the years of running ClaimSmentor, I’ve heard countless number of stories from trainee adjusters who couldn’t cut it in the field and were released and sent home due to poor estimatics, poor estimating skills, and many other reasons we discuss in our Fundamentals of Claims courses.

Do the right thing for your own career.Here is the list of all programs Xactware offers on webinars and Xactimate training….run don’t walk to register through Xactware for all of your Xactimate training needs. I just cannot stress this enough. You can prevent becoming a victim of poor training without certification and have all of the options to meet your individual learning styles such as instructor lead, self study, webinars, etc all the while saving on those costly traveling expenses to attend field classes.

We continue to thank Xactware for the ever continuing effort they make with great progess I’d say in the last year or two to making Xactimate training options even more user friendly for adjusters today than ever before!

To all of you Xactimate users who have obtained your Level I, Level II, and even your Level III certification- my hat’s off to you for taking the professional route to learning the software. I understand there is a fee for each level of testing which is outlined on the Xactware site but for what it can do for your career and opportunities as well as your own comfort level- BRAVO to you!


Special Announcement- KMConDemand Announces Release of the Property Technical Certification I Program for all Property Claims Adjusters

January 11, 2011

I am very excited to release the following announcement from KMConDemand executive, Colm Keenan announcing the release of the PTC1 designation program -Property Technical Certification I-now available to all property adjusters. I highly endorse this program and am a firm believer that all independent adjusting firms should require any adjuster they deploy to take and successfully complete this program to set your firm apart from others by having TESTED adjusters on assignments. I cannot express how highly I believe in this after being involved in ClaimSmentor and working with thousands of adjusters. It is far past time independents have an opportunity to not just attend seminars and obtain CE’s but to test to prove their competency to handle claims.

Without further comment- here is the complete announcement released with the permission of KMConDemand:

KMC On DemandSM, Advisory Committee Roll Out Property Technical Certification

 

Crawford KMC On Demand, a leading online provider of continuing online education and CE credits for insurance claims adjusters, in collaboration with  a key insurance industry advisory committee have released the first Property Technical Certification (PTC) course to the insurance industry.

PTC is designed to fill a gap in validation of expertise among property claims adjusters. The launch of PTC I – Elements of Property Loss follows the successful conclusion of a pilot program conducted during summer 2010. “The PTC pilot participants gave high marks to the content and relevance of the courses,” said Colm Keenan, vice president of knowledge management for KMC On Demand.

A Property Advisory Committee (PAC) made up of high-level professionals from insurance companies, independent adjusting companies and contractor networks has been working together for more than two years to establish the PTC. The pilot program included an industry-wide collaboration on technical content.

The PAC members include:

Allstate, Ace, Alacrity, Assurant, Aviva Canada, Claims Mentor, Contractor Connection, Crawford, Custard Insurance Adjusters, Cypress Insurance, Dri-Eaz, Fireman’s Fund, Fox Valley Technical College, Liberty Mutual, Metlife, Nationwide, Pilot Cat,  and SimSol.

PTC II will be released in the fall of 2011 with PTC III following in 2012. There are 12 courses in PTC I which consists of 38 modules. Each module costs $15 if purchased individually while the whole first designation can be bought for $425, a 25% savings. All courses have been approved for ce credits in all states that mandate adjuster ce’s. Courses are accessed and completed at www.kmcondemand.com/ptc .

Why PTC? Simply put, PTC fulfills a pressing need in the property and casualty industry. Everyone who has touched this project, from the largest insurers to the small independents, agrees on this one point: it’s about time.

First, it is very difficult to determine the expertise of adjusters, and even harder to predict their future performance. But though having knowledge is no guarantee of performance, not having knowledge is a guarantee of failure. It is impossible to perform well in our industry without the proper technical knowledge. Industry post-Katrina performance reviews were lukewarm at best, due in great part to a lack of property claim-handling knowledge. Though some companies might have commendable training, as an industry, we do not.  

Patrick Milone, vice president of the Property Services Division of Custard Insurance Adjusters Inc., sees the PTC “as a way to keep adjusters current in all property aspects of the claims arena via training by an accredited resource.” Milone also considers the compliance aspect of PTC to be important, as all courses have been approved in every state that requires adjuster continuing education.

The resource Milone refers to above is KMC On DemandSM, part of Crawford & Company, which has a long history of claims training. KMC technology enables the PTC to record user completions and provides an attractive interface for the learner. Each course in the PTC has a corresponding performance support file that is easily accessible and has vital information to assist the adjuster long after the course is completed. Performance support files will be regularly updated as they become the industry technical resource of record. Passing an exam becomes the beginning, rather than the end, of the PTC experience. 

The next advent in the progression to industry certification is individual insurance company certification. The first insurance company in line to do this with KMC/PTC is MetLife. This will enable independent adjuster’s online industry certification, PTC, and individual carrier certification. More insurance carriers will added to this list throughout 2011.

To purchase PTC I go to www.kmcondemand.com/ptc or contact Elise Quadrozzi at elise_quadrozzi@us.crawco.com .


We are only 3 viewers short of reaching 200,000 hits on our ClaimSmentor Blog

January 4, 2011

A special thank you to our viewers as we will cross the 200,000 viewers mark today on our blog here at www.dimechimes.wordpress.com!

Thank you for supporting our mission to education independent adjusters on their down time between assignments when they lack the opportunity to learn about current events and trends in the claims industry as a whole since insurance companies do not keep them in the loop when they are not on a current assignment.

We look forward to working with you again this year and talking to the many we hear from each week via email and phone calls to discuss events and hot topics adjusters want to know!


January 2011 classes for Property and Casualty Adjusters to begin soon! Register now!

December 28, 2010

We are hosting the following classes in January 2011. Registration information and full class syllabus info is now posted in our ClaimSmentor forums for the following courses:

1) Introduction to Claims Careers for newly licensed independent adjusters:

We will host a two night session on January 4, 2011 and January 6, 2011 live online at ClaimSmentor for those newly licensed adjusters who need to further their knowledge about opportunities in Property and Casualty claim training. We cover salary information for staff adjuster postions and fee schedules types and samples for independent adjusters. We cover resume requirements and how they differ in the claims industry as well as providing resume templates. We cover the differences in staff and independent adjuster careers, the differences in inside adjusting and field adjusting as well as information on catastrophe versus daily adjusting. These will be held from 6-9pm CST on the nights listed above.

For complete details send request to join ClaimSmentor to DkMoroy@Dimechimes.com as you must be a registered member of ClaimSmentor to sign up for the classes and to login to the forums for complete details.

2) Eight session Fundamentals of Property Adjusting course held Monday and Thursday nights beginning January 17, 2011 from 6-9pm CST live online. It is recommended you begin with the Claims Career Introductory courses in #1 above before taking this course. Course covers Additional living expense claim handling, contents claim handling, disaster mass file assignment handling, coverage question handling, all claim forms and samples, night spent with live claim management system to learn how to work with CMS assignments, file requirements and file order, and much much more. Same instructions apply about registering for ClaimSmentor to view complete syllabus and details on this course.

3) Liability claims handling for homeowner policies. Course covers medical bill review, liability claim reporting, recorded statement outlines and instructions, CPT and ICD-9 billing applicable to all medical payment and liability files. This is followed by sessions covering dog bite liability investigations and claim file requirements, premises liability claim handling, and dangerous instrumentality and intentional act claim handling. These liability classes will take place once each week for 5 weeks on Tuesday evenings or Tuesday day sessions. Complete details can be accessed once you follow instructions above to get registered for ClaimSmentor!


Special Announcement- KMConDemand in Final Phases of Property Technical Certification Testing for Adjusters- Will we finally get 1 Certification Test?

June 10, 2010

It sure has been tough holding this back from everyone for the past several months.

You all know I have alot of respect for one of  our sponsor ‘s KMConDemand the online training arm of Crawford.  In fact, I had my husband take their package training  program- I think it was called Charter program and it was only$ 135.00 and gave him 5 WC classes, 5 Auto, and 5 property classes and then he sat through my Fundamentals of Property claims which covered other issues on insurance department complaints, agency relationships, claims negotiations and much more on and off since he is a newly licensed adjuster in 2009.

Several months ago,  KMConDemand, brought me in on a committee for the new proposed Property Technical Certification program with our  hopes this will replace all carrier certifications independents are having to take one day. It can’t be one day too soon as far as I am concerned. I understand the important need to certify for a carrier so they know you are competent to handle their claims and for the protection of their policyholder’s. However, what independents currently deal with is traveling to locations nationwide for basically the exact same kind of certification on construction, estimating, with really the only major difference being the carrier specific policy information. I am so hopeful this will change the way this is done- once you’ve tested that you have all the property knowledge on the estimating skills needed- wouldn’t it be so easy if the carrier’s would approve acceptance of this then just a policy quiz and estimating guidelines they want specifically?  To me the present process with carriers seems like someone telling you to sit for the AIC- Associates in Claims program a zillion times. If you have a well carrier / KMC proctored exam ONCE it would be simply heaven.

That would be exactly what I do on our Fundamentals of Property adjusting course ( 10 lessons on other property topics outside of estimating and scoping) where we teach them carrier requirements in general but always advise them to take the material I’ve trained them on and add notes at each assignment to alter any minor carrier deviations for a particular storm.

This is just in the committee phase and testing  just started on the certification this June. He is also in the process of obtaining CE’s in numerous states which I don’t think you get now on certification tests from any carriers.

As you will see on the committee members link, I am honored to be included. They  allowed me to bring some other ClaimSmentor members who could bring valuable critique of the proposed material as well. Thus  you will also see Woody Britton, twice past President of NACA, Eric Gilkey- head editor of Claims Magazine, and Dr Michael Birzon head of the UCF Insurance school as well as some others  I am not at liberty to disclose yet . I am very thankful these valued members all agreed to serve on the committee as well. Here is a link to all of the other committee members as well:

http://www.Kmcondemand.com/ptc

*Look at the carrier execs on the list as well as major players in the Independent management side

Thankfully, I think some of the 3 day school issues will be history by next year and hopefully the requirements  that you have to take so many individual carrrier certification tests.
 
The new Property Technical Certification program is presently  in  the testing phase  now through August through KMConDemand the online training arm of Crawford and Company. This is to go live in September now that minor questions are resolved on proctor issues and other things.  There are 3 different certfication levels similar to the Xactimate Level 1,2, and three.
 
Just take a look at the committee list with executives from major carriers on the committee as well as major players from large independent firms. I post this link with the permission of the head of KMConDemand since I now have approval to release the information:
 
http://www.kmcondemand.com/ptc              This link has all the info on the current plans consisting of PTC 1, PTC 2, PTC 3  agendas.
http://www.kmcondemand.com/ptc/index.php?Page=dynamic&id=66  * This link has the link to all committee members.
 
The material is outstanding and a far cry from some of the problems adjusters complain of at outside vendor schools.  I am most hopeful the insurance carriers agree to this replacing all of the individual carrier certifications so we anxiously await the testing period results  at the end of August 2010 so this can go live.
 
My husband is a newly licensed adjuster so I got to watch while he did the classes when I had time for the regular series of online classes. They had 15 programs at that time and I think have now added 6 more. For  $135.00, he was able to take 5 classes in WC, 5  in auto and 5 in property. All contained CE’s.
 
I have  been 100% sold on them since. I am also glad they are backed by Crawford who we all know has an outstanding reputation. Colm knows I’m probably his biggest fan and thrilled at what KMC has brought for such a reasonable cost to independents saving their travel costs. In addition, as a claims manager it brings me much comfort or safety net if you will to know they will be tested and the passing standards are high as well as proctored exams.
 
This should take us a long way in helping improve the public perception and carrier perception of independent adjusters. Can you also just imagine how great this will be for independents no longer having travel costs to certify for multiple vendors and do these online. I’m sure keeping my fingers crossed for the independents that this does succeed and hope you will as well.
 
Thankfully, I think some of the 3 day school issues will be history by next year and hopefully the requirements that that you have to take so many individual carrrier certification tests.

 
http://www.kmcondemand.com/ptc This link has all the info on the current plans consisting of PTC 1, PTC 2, PTC 3  agendas.
 
http://www.kmcondemand.com/ptc/index.php?Page=dynamic&id=66  
 * This link has the link to all committee members.
 
The material is outstanding and a far cry from some of the problems adjusters complain of at outside vendor schools.  I am most hopeful the insurance carriers agree to this replacing all of the individual carrier certifications so we anxiously await the testing period results so this can go live.
 
This should take us a long way in helping improve the public perception and carrier perception of independent adjusters. Can you also just imagine how great this will be for independents no longer having travel costs to certify for multiple vendors and do these online. I’m sure keeping my fingers crossed for the independents that this does succeed and hope you will as well.
 
Speaking of that- I hope you will share this blog post as well as the link below with other independents. We are trying to move mountains in getting BP to use more independent firms. Thanks so much to the claims managers and adjusters who have read it and written to let me know they have sent the link to politicians and news connections asking they get the word out that independents are the solution to clean up the BP Oil spill claims process:
 
https://dimechimes.wordpress.com/2010/06/07/an-open-letter-to-admiral-thad-allen-president-obama-white-house-news-correspondents-esis-insurance-and-all-involved-in-the-bp-oil-response-we-can-help-address-your-claims-concerns-lead-follow/
 
************

 
Speaking of that- I hope you will share this blog post with other independents. We are trying to move mountains in getting BP to use more independent firms. Thanks so much to the claims managers and adjusters who have read it and written to let me know they have sent the link to politicians and news connections asking they get the word out that independents are the solution to clean up the BP Oil spill claims process:
 
https://dimechimes.wordpress.com/2010/06/07/an-open-letter-to-admiral-thad-allen-president-obama-white-house-news-correspondents-esis-insurance-and-all-involved-in-the-bp-oil-response-we-can-help-address-your-claims-concerns-lead-follow/


June 2010- ClaimSmentor Begins New Series for Liability Claim Training for Independent Adjusters

May 28, 2010

We constantly receive requests to expand on our online claim training options for independent adjusters at ClaimSmentor.

During May 2010, we held 10 class sessions covering property damage claim fundamentals and just wrapped those classes up this week.

In June 2010, we are hosting our new liability claim training classes for independent adjusters who need training on claims to expand their claims handling ability to work daily (non-catastrophe) claim assignments. To accomplish this we are beginning our liability claim training classes for independents. These will be held each Monday evening beginning June 7, 2010 from 6:30-9:30 pm ET as well as an option to take the Monday day session from 9am ET to noon ET. These are held live on line at ClaimSmentor.

The four liability claim handling sessions will include the following:

June 7, 2010

I. Session One- General Characteristics and File Requirements for all Liability Claims, Medical Payments claims, and Damage to Property of other claims under Homeowner policies.

June 14, 2010

II. Session Two- Dog Bite Liability Claims handling- According to reports over one third of all Homeowner policy liability claims are due to dog bite claims. Learn the investigation elements required, view actual claim litigation case studies involving dog bites, elements of recorded statements and other investigation and reporting applicable to dog bite claims investigations.

June 21, 2010

III. Session Three- Premise Liability Claims handling- Slip and Falls, Premise Defects, and much more

June 28, 2010

IV. Session Four-  Dangerous Instrumentalities- Firearms claims and other Intentional Act liability claims handling information

To participate and register for these four classes, here is the link to our registration information: www.claimSmentor.com/register.php

The deadline to register is June 2, 2010 at midnight.

We hope to see many of you there!


Xactware released Xactimate 27 Training Booklet/ Also has great discount on Xactimate 25 Training Book

April 30, 2010

 

Xactimate 27 Training Workbook

We are excited to have Xactware  as  a  renewal sponsor at  ClaimSmentor!

We are even happier to let our members know that Xactware has released an Xactimate 27 training manual at a very reasonable price for adjusters. What a great tool to have with you on the road for those late nights entering estimates after scoping catastrophe losses all day!

They also have their Xactimate 25 training booklet now discounted to $15.00!

Please be sure to use this link:

http://www.xactware.com/store/SelectProd.do?prodId=173&SFCID=70130000000Wy2z&LS=ClaimsMentor201005

 so they know you heard about it through ClaimSmentor postings! We’d sure appreciate it.


Announcement- ClaimSmentor forms Strategic Alliance Partnership with Council on Litigation Management group for FREE Law CE’s for adjusters

April 21, 2010

ClaimSmentor was founded with a mission to help improve claims continuing education for independent adjusters since the options were so limited back when we were founded in December of 2005.
 
Towards that goal, I am pleased to announce a major enhancement to independent liability and claims litigation training.
 
We have formed a Strategic Alliance with Council on Litigation Management Group to provide FREE LAW CE’s in all states requiring CE credits for adjusters. Here is the Strategic Alliance information posted on their site:
 
http://www.litmgmt.org/network/StrategicAffiliations.aspx
 
They are offering seminars nationwide at predesignated locations and the best news yet is that your vendor,  adjusting firm , or even insurance companies can schedule to host any of the sessions as well.
 
Think this is good news? The best news is yet to come!
 
Hosting a class couldn’t be easier! Your firm supplies the facility for groups of 25 to 60 claim adjuster attendees and CLM provides all class material and 2 instructors to present the Council on Litigation Management approved course material. In addition, they handle all adjuster CE submission for you. There is absolutely no charge to the adjusting firm or adjuster for hosting these other than providing the meeting space for your group.
 
As adjusters, attendance couldn’t be easier! Simply go to follow these instructions:
 
1)Register as a Fellow membership- totally FREE so you can then register for upcoming training sessions which is also required so they can file your CE’s. Here is the link:
 
http://www.litmgmt.org/FellowRegistration2.aspx
 
2) Then click on this link to find all training sessions and locations scheduled for upcoming FREE classes:
 
http://www.litmgmt.org/Events.aspx
 
 
 
3) We are working with member claims adjusting firms on ClaimSmentor to host these classes. We will handle all email notifications and posting with ClaimSmentor members (now approaching 1200)
 
What an excellent opportunity for meeting opportunities with your adjusters from your firm as well. You can plan and host these along with your roster members at your annual conferences.
 
Independent adjusters are always looking for law CE’s. What a fantastic way to train them to be multi line adjusters for working daily losses.
 
Any firms from ClaimSmentor interested in hosting these classes anywhere nationwide should email CLM@Dimechimes.com to discuss location opportunities and dates you are considering. We’ll do the rest for you with our ClaimSmentor participants to let them know.
 
Please use this topic to ask questions and I will get you the answers you need from CLM. We’ll also use this topic to post notices of which firms are presenting them as well.
 
Adjusters- if you work for an adjusting firm or attend Claims Association meetings, please pass the word and see if they will host a session and we’ll take it from there to get our members to these classes.
 
Special thanks to Adam Potter with CLM for agreeing to this Strategic Alliance to bring free LAW CE’s to our members nationwide!
 
Now- for some absolutely outstanding news! We are going to kick off the ClaimSmentor involvement with the Claims Litigation management group with their May 6, 2010 Dallas, TX sessions which takes place at the Dallas Cowboys stadium! Only 50 seats left available! Not only will you earn law CE’s but you will also get to tour the stadium as well as attend a game- ALL FREE of Charge! Here is the link to get registered:
 
http://www.litmgmt.org/rsvp/TX10/
 
Other upcoming currently scheduled events are:
 
Columbus, OH- May 12, 2010:
 
http://www.litmgmt.org/rsvp/OH10
 
May 13, 2010 in Atlanta, GA:
 
http://www.litmgmt.org/rsvp/GA10
 
June 10, 2010 in Seattle, WA:
 
 
http://www.litmgmt.org/rsvp/WA10
 
I have to tell you, the mock trial in Seattle brings back some of the best claims management training I ever attended as a staff claims manager- it’s training you will never forget.
 
Again, any member of ClaimSmentor interested in hosting these classes, email CLM@Dimechimes.com to schedule. Why not combine some training you need to do with your roster members one day and a second day providing them with these free Law CE classes.
 
Hosts are asked to schedule only 2 of the 18 classes in one day. They prefer to present these in bite size courses so the adjusters will not be overwhelmed with the training so you might even consider scheduling some quarterly- especially during non cat season!

Not yet a member of ClaimSmentor? Here is the link to our registration information: www.claimSmentor.com/register.php


Basic Material Identification Construction Training for New Property Adjusters -Avoid GIGO Estimates-Take Xactware Construction ILX training online

March 31, 2010

Remember the term GIGO- Garbage in / Garbage out?

That term is definitely applicable to property estimating with any estimate software systems such as Xactimate, MSB Integri Claims, SimsolPower Claims, or Symbility.

New adjusters take Xactimate training classes to learn to use the software estimating programs but if they are not familiar with construction, material identification such as carpet grades, counter top material,types of roof shingles, and other building components, as well as the proper construction methods to repair property then it doesn’t matter  how great your estimate software data entry skills are- you’ll still produce garbage in the way of insurance claim estimates necessary to settle claims.

I’d highly recommend the Construction ILX  training through Xactware who produces the Xactimate software program which is the most often  required estimating software required by insurance companies. If you are new to independent adjusting, you need to know it is the insurance company that dictates the estimating software they require the independent adjusting firms must use.

This Construction ILX training is part of Xactware’s e-learning courses and consists of 50 courses on building components and is very comprehensive. It is very similiar to a carrier training I took years ago as required training prior to attendance at  Vale National  for additional training in the field on building estimating at their 3 week construction class. It was an excellent plan to train people like me that were new to adjusting but with no construction background. I spoke with their sales department today and confirmed that you do take tests at the end of each part, a unit test, and a test at the end of the program to show your competency should you wish to obtain their certification. Here is the link to the certificate and CEU options.

The cost of the ILX training on CD  program is $595.00 which is an outstanding price considering you can study from home and at a self paced environment and especially with the CD’s you can take them on the road with you so you can look up something you may have a question about on the applicable CD. You save extensive travel and hotel expenses while training and it allows those working at regular jobs the opportunity to train around their work schedules. Here is the link to purchase the program. According to information I got when calling them and speaking to their sales department, you can take the program online or by cd’s.

 I will be covering other Xactimate software training options in a blog tomorrow. There are so many firms offering Xactimate training in the field but we constantly get complaints from new adjusters that they felt many of them were a waste of hundreds of dollars spent on classes that were overloaded with students and short on instructors so they got little out of attendance to feel confident using the software. Another disadvantage which I personally consider significant is that you are not getting tested at most of those schools so you only get a certificate showing you sat through a class which doesn’t provide alot of comfort to a hiring claims manager. If you take the Xactimate training directly through Xactimate you can obtain your level 1, level 2, and level 3 certification which provides certificate comfort to an adjusting firm or carrier seeking to deploy adjusters as their certification vouches for the fact you have not only taken Xactimate training but that you passed difficult training and passed at an acceptable level to get certified by Xactware themselves. More on that tomorrow when discussing other valuable Xactimate training field class options if your not good at self study.

Wait- it gets better yet! It was beneficial calling their sales department today seeking a discount for all ClaimSmentor participants, they will call back this afternoon to let me know if that is possible due to our extensive network ( 1,150 ClaimSmentor forum members, 658 Twitter followers, almost 300 members of our Linkedin ClaimSmentor group and 180 plus following my individual profile on Linkedin, and we’ve had over 145,000 hits in 1.5 years here on our ClaimSmentor adjuster information blog, and thousands on our staffing firm rosters). I hope to have good news on that today.

The second highlight I learned in my call today is that you can take the course even cheaper doing it online verus buying the CD program and cover the same material. The disadvantage is you wouldn’t have the program to take with you on the road later when you are working on a storm and need to refer back to something but I’d highly recommend the online option as well as it is very affordable to people who can’t afford the $595.00 which is very possible there are many after a slow claim assignment year thus far in 2010. Here are the online options at their self paced training link where they have options to have access to all of the construction training online for 90 days access to all of the training for $205 or if your fast at online training- you can even just buy the cheaper monthly version where you can have 30 days access to a bundle of the courses  for $110 or even train by the course at $35 each!

GIGO estimates will cause huge problems for adjusters, insurance companies, and most importantly for policyholders who can not get repairs don’t off of an inadequate estimate. Here are just a few crazy examples of estimating GIGO I’ve run across over the years managing adjusters who didn’t know about construction materials and especially construction repair techniques- and these are true stories!

1) Field adjuster gets a call from in experienced in office adjuster who has to review and approve the claim- desk adjuster tells experienced field adjuster to remove the crown molding (finish carpentry item) because MOLD is not covered under the policy

2) Working file reviews during a major hurricane, I actually ran across an estimate that the adjuster climbed in the attic and found a broken rafter where the tree hitting the roof had cracked the rafter. The adjuster measured the crack and put to remove and replace one inch of rafter. They did not allow a minimum charge and surely did not consider the repair method for a contractor to access the rafter and make a proper repair.

3) Repair estimates are often wrong even just on roofing repairs when an adjuster does not have the proper training to know when a roof can be repaired or not and no training in hail damage identification. I’ll be blogging about that as well this week.

As part of our Fundamentals of Claims Property Adjusting class, we spend 2 nights just reviewing estimates to train you on estimate reconciliation and the common carrier general guidelines on estimating. Repairing a property is entirely different than remodeling work an insured may want done to upgrade their property and you need to know what the carrier guidelines are on many issues such as waste factors, overhead and profit, minimum charges, matching issues and much more.

Run don’t walk to sign up for this construction estimating whether you are independent or a public adjuster if you do not have a construction background. It will help you prepare professional estimates to settle your claims and help you avoid rejections of claim settlement estimate for improper scope.

Watch for more postings in this week and next on estimate training options. Know the basics before you learn to enter estimates in a software program as it will do you NO good to learn data input if what you put in is GIGO!


Notice- ClaimSmentor Site Undergoing Upgrades this week- Have Patience with Features in Forums/ Banner Ads

March 30, 2010

To :  ALL ClaimSmentor members

Our site administrator, Mat Houchens, is in the process of upgrading the ClaimSmentor site this week.

Some features may not be working as he moves the site to a new server so please have patience and check back again if you are having trouble making a post, logging in, or any other features. The banners from sponsors are also involved in the process and will be back up as soon as the transfer of all forum material is moved.

We hope to have everything done by the end of the week.

We do appreciate your patience while we upgrade. Thank you!


Adjuster looks back on Career at 55! The things I still ponder about the Claims Industry

March 19, 2010

Absolutely shocking and still letting it sink in! I turned the big 55 earlier this month and still reeling from the realization that I have spent my entire adult  life in the insurance industry. The days when I would look at my annual benefits statements which showed I could retire in 2010 are now long ago but  I would always laugh it off that March 2010 would never arrive…and here it is!

I entered the insurance business in 1973, newly married and a grand 17 years old! I had no clue that I was embarking on a life in insurance and claims…but I did know it was employment with the only major employer back in Murfreesboro, TN where we moved as my husband was being released after completion of his four years as a navy corpsman and he wanted to attend college in his home town.

What a change life was leaving home in FL, a military brat, a daughter of a Navy Commander and one of eight children to a working adult with no massive family constantly around! The thought of attending college never entered my mind at the time! Work life in the insurance industry was always changing so I never found it boring as I changed positions through promotional opportunities regularly and moved about 7 times to various cities as mobility used to be a fixed requirement to move into management positions.

I spent my first few months as a mail and file clerk at the lowest possible level and quickly got promoted to a Fire company accounts receivable clerk when the carrier got tired of watching me drag a stool around to reach in the top file drawers! They actually began requiring new file clerks be atleast 5 ft tall to avoid their worry I would hit my head on the corner of the top file drawer!

I spent eight years in accounts receivable working my way up the ranks to a team lead. I can’t begin to say what a valuable experience it was coming up through the ranks as I learned to handle complaints from policyholders if premium payments were misapplied (yes we really did open each envelop individually and stamp the back of each check and balance deposits- how ancient is that compared to today’s machinery and PO Boxes!). During the last of my stint in accounting, I handled agency correspondence on premium payment issues, endorsements, and the greatest part was learning to respect agency and the power they held with the executive office! You quickly learn “if the agent ain’t happy” ain’t no one happy which served me well in my later career in claims.

I never thought “gee I want to be a claims rep when I grow up”. I went into claims kicking and screaming due to my fear of  roof climbing but thankful to still have a stable job when they merged the homeowners accounting group with the auto accounting department. I had no idea I would absolutely fall in love with claims where I spent the next 20 years as first an inside adjuster for 2 years, a field adjuster, a reinspector, an in office supervisor, then finally promoted to my first field claim operation managing adjusters and estimators with adjusters scattered throughout 3 cities. I was proud to later be selected to relocate to FL for the first “claim central” operation then later selected as a national catastrophe team manager where I ended my staff career after 4 years traveling nationally following storms. 28 years was amazing and always interesting having climbed through 16 job classes to reach my final position as a Team Manager. Burn out after 4 years on the road over 80% of each year is putting it mildly but it didn’t take me but 2 years to realize I truly missed the excitement of working the next storm and the comraderie that goes along with working with people who enjoyed it too.

Was it easy to stay with one employer? Was it easy to move from the lowest clerical job classification through to a Claims Team Manager? You bet it wasn’t! Did I ever consider leaving? No….sure didn’t. It actually never crossed my mind! I came from a family where my dad joined the Navy as the lowest seaman and worked his way up the ranks to retire 35 or 36 years later as a Commander in the Navy with 8 kids to boot! How he ever did that I’ll never know with 8 children, constant deployments, and attending college for his BS and Masters Degree at night. That is what we knew and I applied the same theory as my dad to my career. I went to college over 15 years at night school, did my IIA and AIC designations through www.aicpcu.org and have completed 9 parts of what was the 10 part course in the CPCU program. Why I can’t force myself to take and finish that last part of CPCU on accounting and statistics to secure the full designation is beyond me but something that escapes my interest at 55!

Would I do it all over again? You bet I would. Claims  has kept me gainfully employed over the years as staff and later in the independent industry. The last 5 years I’ve been caught up in the ClaimSmentor mentoring program I founded where we train independents. It came about due to the struggles I constantly saw with new independent adjusters having no clue what was needed once they were licensed and really no place to turn for some guidance while they were waiting to get their foot in the door with a reputable adjusting firm. We are now approaching 1,200 members which includes 74 adjusting firm owners and head managers so I am very proud of the accomplishment that the synergy of our group has achieved when so many others told us we were wasting our time even trying!

In today’s world, I am just fascinated with the claims industry and the constant changes but the more I learn, the more I do wonder….why we do what we do, the way we do it, and how I can contribute to make the claims industry a better place for those of us who have dedicated our life to the industry and a better place for the policyholders who suffer when we don’t complete our jobs properly.

Here is just of few of my random thoughts as I contemplate the claims industry at 55 after gosh over 37 years now in this industry:

1) Does the fact we tend to call an insurance contract a “policy” lead to some of the confusion for a policyholder that “all” things are covered? I know from a layman’s terms ,for example, if my parents set a policy that I had to be in by 10pm as a teenager that I could easily pry them into letting me stay out later if it was for something special. Had I signed a contract however, I would understand that can’t be changed as I agreed to the written terms. Just a thought….

2) Why don’t carrier employees get discounts on insurance premiums? I always found that strange!

3) The purpose of insurance is indemnity or to restore a person to whole after suffering a loss. I think of that as stability for policyholders. Thus, I have always found it strange that especially since about 1995 a claims career feels anything but stable for employees as carriers reorganize, downsize, move from field to in office claim handling…etc. I rarely have a conversation with any experienced adjusters anymore who are not considering leaving the industry as the pay is reduced, the requirements more stringent, the legal environment overwhelming, and for independent adjusters- ever more licensing and certification requirements but that is another issue all together!

4) I ponder how insurance companies can collect premiums but in some cases be 100% dependent on independent adjusters to handle their catastrophe claims. It is not because they cannot handle it that I wonder but because carrier employees tend to treat independents as the red headed step child of the industry but that is a step above their stereo type for public adjusters. It just does not seem responsible to me. In fact, in any other business, if you took money for a service and did not provide it…well you can figure out the results of that easily enough! So why is this allowed to go on with insurance carriers? It doesn’t matter how many rosters the carrier maintains or how many adjusting firms they have contracts with. The fact is, they have made no committment to independent adjusters all year long so they have no idea which assignment if any that independents will take. They need to improve the relationship for all concerned.

5) I still constantly ponder what the independent adjusters can do to overcome the non payment and delay issues getting paid for claims they handle. I receive calls daily from adjusters individually and in groups who still have fee bills outstanding from Ike. I do not know of any other group of employees who would receive a deployment call and head out to live on the road in catastrophe conditions with no consideration whatsoever for their living provisions when no hotels are to be found (staff adjusters have housing provided/ independent adjusters who serve carriers do not) and asked to go months before they see the first dime in payment for their work. This applies to inside adjusters working on a fixed daily rate as well. A major FL carrier tells even them to expect 6 weeks for their first paycheck even if on a daily rate which makes no sense. Not only should a carrier staff up for storm adjusters but they need to staff appropriately during storms for support help such as payments like expense checks and for independent fee bills so they can survive. Today, independents tell the new folks to plan to have a minimum of $10,000 for living expense quarters, gas, transportation, and office supplies before they will ever see their first storm payment check. Regarding the non payment by unscrupulous adjusting firms ( the few that are that give them all a black eye), how can the state insurance departments not control this issue? We have folks that are turned down regularly by insurance departments and attorney general offices who tell them they can’t  help them (especially if they worked for an out of state adjusting firm). We need to help these folks by having the appropriate authorities regulate the industry much better.

6) Why did carriers begin making pretty files much more important than prompt service to policyholders? It drives me nuts every time I hear the word  “Sketch”. Just check the classifieds on claim adjuster forums and see the hundreds firms are charging for them to learn “sketch”. Listen folks, in my opinion, I just haven’t been able to accept the fact that a computer sketch of a house floor plan and diagram does one thing to help settle a claim. We used hand drawn diagrams with measurements for years. It would actually shock you what these new computer programs are doing to reduce the number of file closures adjusters can close today versus what they were able to before all of  the “pretty” file standards were created. I do more than understand alot of it was generated due to the increase in claims litigation and the discovery of file material but I do not see that many of these things are doing anything to resolve customer service issues.  During Katrina, many extremely experienced contractors who could easily complete an estimate walked out due to the difficulty to adapt to all of the electronic claim systems….and that was beside the fact they couldn’t get power or rooms with high speed internet to even upload the photos to the files. I just wish we would keep the emphasis on the customer not the technical systems. In many claim environments and training sessions, you don’t even hear the customer mentioned anymore because there is just not enough time in the day to cover all the technical system issues.

7) It seems an unusual number of staff and independent adjusters are flipping their license for a public adjuster license. It sure seems strange to me from the standpoint that regulation of public adjusters gets tougher by the day but each time I’ve asked former co-workers who flipped they did because they could no longer tolerate what they were seeing by inexperienced people not only adjusting claims but managing claims at the carriers whether they were independent or staff. People I never thought I’d hear considering it are. I can’t say I didn’t at one point too because I understand what they see, I understand their frustrations with our industry. I just took a different route and formed ClaimSmentor to  help but I can assure you there are many times it is overwhelming when there is so much need for improvement for the independent training and regulations on how they are treated and paid. Just when I get overwhelmed with trying to make a difference, an email pops up from a trainee thanking me for helping them learn about the industry or thanking us for helping them find a reputable adjusting firm they matched up with. ClaimSmentor wasn’t opened because I thought I was smarter than the average bear but because I did think by gathering good folks together who were very proficient in the independent claims industry we could all learn from each other. I learn new things from our members with every post they make whether it be a need for training in an area I didn’t know existed or learn from some great members with construction backgrounds about better estimating techniques. I hope there will be interest one day in the next few years for someone to carry on the mentoring project as my husband and I are looking forward to retiring when we can.

8  ) Something that has always seemed strange to me is that contractor licensing is so very well regulated yet we as adjusters with no contractors licensing are the be all end all of estimate creation and decision making when it comes to what it takes to repair a home following a disaster. Sure we can handle the routine estimating on most losses but I know I sure couldn’t get in there and rebuild some of the homes I’ve estimated in my career. Fortunately, my employer did pay for us to attend a 3 week contractors school at Vale Technical where I learned alot as well as continuing education at all levels of my career. I was much more confident in estimating when I did it regularly but looking back I always wonder. The younger adjusters today seem so very confident and have much more access to online training but we all know- there is nothing like working a trade. Fortunately, viewing hundreds of resumes annually, we have so many contractors obtaining adjusters licensing. It is pretty standard thinking these days that it is easier to train them on policy than to train someone with no construction estimating who is good at policy. I’ll be the first to admit when I was in my early twenties I fell through a ceiling or two while climbing in an attic, fell though a mobile home floor when it was soaked by the fire department, and many other war stories due to my lack of knowledge in construction and what effects fire/water do to building components. I think that is why I understand trainee adjusters so well and have so much empathy for their training needs because I was there at one time. I just can’t help but wonder why there is not atleast a minimum training regulation by insurance departments on construction training before one can be deemed a “property” adjuster! The current trend is for experienced adjusters to scope and estimate the damages and work with an inside less experienced adjuster who does the contents and additional living expense and settle the building estimate with the insured. A very funny conversation overhead a few months ago by one of our members was an inside adjuster calling the field adjuster and telling them to take the crown molding out of their estimate as “mold” isn’t covered under the policy. This is just one example of the frustrations experienced adjusters are feeling today with the current claim environments. Imagine how policyholders who might hear such a ridiculous statement must feel with their carrier’s claim service. No wonder PA’s are so successful today in obtaining more recovery dollars if this is widespread in our industry!

I could go on an on but it’s 2 am. I have a moderator on ClaimSmentor who started a discussion this week on why so many folks over 50 are changing careers and becoming newly licensed adjusters. I think much of the reason is the down turn in the construction industry and I am sure they are thankful to make a career transition. The problem is as I show in the 125 question self assessment test on this blog is that there is so much more to handling claims than just knowing construction. Claims is a world of it’s own with it’s own procedures and many coverages beyond the building loss itself. Hopefully, I can get our moderator to do a guest blog for us addressing his concerns which he says go far beyond just the physical demands of entering this field at 50 or above.

Thanks for letting me ponder out loud and looking back at quite a lengthy career in claims. If I could change anything at all it might be taking the route of SIU- Special Investigations unit as I thoroughly enjoyed detailed investigations much more than jumping ladders doing roof inspections ( or crawling under off grade houses looking for signs of long term water damage!) but it’s been quite a ride!

If you missed our prior blog with the 125 question self assessment test, here is the link:

https://dimechimes.wordpress.com/2009/02/13/have-license-ready-to-go-not-so-quick-take-this-self-assessment-test/

If you missed our prior blog  with our published article ” Luck- where preparation meets opportunity”, here is the link:

http://www.claimseducationmagazine.com/pdfs/CEM_Winter_08_v1.pdf  found on page 8


Working Commercial Business Interruption Claims? We recommend this series of posts

March 1, 2010

For those of you planning on working commercial claims now or eventually as you progress in your careers in claims, you should read this series on Commercial Business Interruption coverage posted over at the Merlin law group. The links to all of the posts they’ve done recently are contained within the latest post on the topic in this latest article:

http://www.propertyinsurancecoveragelaw.com/2010/02/articles/insurance/the-period-of-restoration-does-not-end-when-the-business-is-sold-or-operations-cease/


FL Consumer Advocate Round Table 1/6/10 Topic is Appraisal in FL Policies- Don’t miss it!

January 5, 2010

H/t to Attorney Chip Merlin’ for posting information on his blog important to the adjusting community (no matter which side your on!)  that we can call in or watch the January 6, 2010 Florida Department of Financial Services Consumer Advocate Roundtable with an utmost important topic not only to Floridian’s but to insurance adjusters as well on the topic of Appraisal provisions in Fl policies.

Here are links to his posts- I know I for one will be listening to it since Citizens of FL which many of my family and friends are insured with has already removed the appraisal provision from homeowner policies. Here are links on the topic so you can listen in or watch as well:

Post of 1/5/10 at Merlin’s blog with his planned recommendations at the round table: Click here

Post of 1/4/10 at Merlin’s blog with the contact information to call in and/or view the 1/6/10 roundtable: Click here

For a complete list of panelists (impressive group but where are the large independent adjusting firms or representatives from Citizens and why are they not also included on the panel)? Here’s the link to his post on the panelists: Click here

Link to prior post on his site regarding appraisal provision removal on Citizens Property Insurance Corporation of FL removing the appraisal provision: Click here

*Note it is also public information posted on the PAST link for the Citizens of Florida Board of Governor’s meeting notes : Click here to view their direct information

Here is a direct link to Sean Shaw’s press release over at the FL Dept of Financial services website from his 12/17/09 news release with more information on the purpose of the round table and the participants: Click here

Here are the specifics on connecting to tomorrow’s meeting:

January 6, 2010
10:00 AM – 3:30 PM
House Office Building, Committee Room 404

The Capitol, Tallahassee, Florida

Conference Call-in Number: 1-888-808-6959 Code: 4132880

WFSU Florida Channel 

See Merlin’s blog for more agenda and attendee info on the above blogs.

 

 


Kmc on Demand (division of Crawford and Company) adds 6 more courses to online claims classes

July 14, 2009

Email reprinted with permission of KMC on Demand as an online sponsor of ClaimSmentor. Kmc on Demand is the online training arm of Crawford and Company adjusting firm:

Friday, July 10, 2009 3:06 PM

From:

“Elise_Quadrozzi@us.crawco.com” <Elise_Quadrozzi@us.crawco.com>View contact details

To:
DKMoroy@dimechimes.com

Dear Deborah:          ,

I hope this email finds you doing well.  I wanted to let you know that we have just added 6 new courses (31 modules) to your KMC demo for your review. They are:

  • Advanced General Casualty I  
  • Advanced General Casualty II  
  • Commercial Trucking  
  • Insurance Ethics  
  • Negotiations
  • Personal Liability


You can view a complete description of these courses in the attached PDF, or on the KMC web site at:


http://www.kmcondemand.com/newcourses


We encourage you to review the content and pass it along to the relevant experts within your organization.
 

We will continue to add and improve courses while enhancing the KMC technology, and welcome any comments, feedback, or ideas you may have for future development.


Sincerely,


Elise Quadrozzi CPCU, AIM, AU, ARP
Knowledge Management Account Executive

 
KMC On Demand
Crawford & Company

1001 Summit Blvd.
Atlanta, GA 30319
Phone: 404.291.1893
Email:
Elise_Quadrozzi@us.crawco.com
Website:
http://www.kmcondemand.com 
 


Claim Class Updates and Carrier Certification Class Updates for July 2009

June 17, 2009

We have updated the ClaimSmentor forums with the following upcoming classes:

Day and Evening online Live Class for Florida Condo Unitowners and Master Policy Claim Handling Classes- July 2009

Day and Evening online Live Classes for Additional Living Expense Claim Handling for Homeowners Insurance Claims- July 2009

You must be a registered member of ClaimSmentor to attend these classes.

Today we also posted field classes coming up in July with numerous adjusting firms for:

NFIP- special class FREE in AL for Standard Flood Policy coverage and form completion seminar

Nationwide Certification class- FREE in ALabama

USAA Carrier Certification classes- 3 different adjusting firms offering these in July 2009 from no cost ranging to 50.00 per course depending on vendor offering them

State Farm Auto and Property Certification classes in August 2009

To register for ClaimSmentor, here is the registration link so you can view these topics for complete details in our Carrier Certification forum, Roots and Wings Training Forums for our Live ALE and Condo class info and much more:

http://claimsmentor.com/register.php