Special NFIP Flood Conference 9/19/12 in New Orleans- good news for those who missed the 2012 NFIP Adjuster Workshops!!

September 12, 2012

We just received notice from FEMA that they are now hosting a Special NFIP Adjuster Certification class September 19, 2012 for those who missed attending the Adjuster Certfication workshops held each year between January and May.

Here are the complete details we got in their email notfication if you need to register:

SPECIAL 2012 NFIP Adjuster Certification Workshop Seminar conducted by the National Flood Insurance Program
This is an NFIP Adjuster Certification Workshop, not a Flood Emergency Briefing

September 19, 2012 New Orleans, LA

8:30am – 4:30pm

Intercontinental Hotel 444 Saint Charles Avenue Ballroom A New Orleans, LA 70130


In response to the flooding associated with Hurricane Isaac, the NFIP will present a special Adjuster Certification Workshop in New Orleans on September 19, 2012 for qualified adjusters to become certified for the current NFIP Adjuster Certification term ending May 31, 2013.
Registration for this final 2012 NFIP Adjuster Certification Workshop is now open.
Adjusters seeking to renew certification must attend an NFIP Adjuster Certification Workshop. Adjusters seeking to become certified or to upgrade their certification prior to 2013 must attend the certification workshop and also submit an Adjuster Certification Application (FF81-110). This form can be found at www.fema.gov/library/viewRecord.do?id=2581.

To sign up to receive NFIP Training Bulletins regarding the 2013 NFIP Adjuster Certification Workshop schedule, please go to www.govdelivery.com.
The seminar is from 8:30am – 4:30pm. Sign-in begins at 8:00am.

Dress is business casual.

Refreshments will be available for purchase inside the hotel.

CONTINUING EDUCATION There will be NO CE credits offered for this workshop.

REGISTRATION INFORMATION This workshop is FREE, but seating is limited so register early.

To register, please use the link above.

Please do not reply to this email. If you have questions regarding NFIP Training, please write to nfiptraininginfo@h2opartnersusa.com or visit www.fema.gov/business/nfip/wshops.shtm.Sign Up for NFIP Adjuster Training Bulletins

FEMA NFIPThe National Flood Insurance Program is administered by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS).

National Flood Insurance Program Training | www.fema.gov/business/nfip/wshops.shtm nfiptraininginfo@h2opartnersusa.com | (800) 427-4661


Important information on handling claims in Alabama you may need if working claims in Alabama for Hurricane Isaac

August 27, 2012

Here is important information claim professionals will need if they plan to work claims in Alabama as a result of Isaac to include the Governor emergency declaration, the link for AL emergency adjuster licenses, and claim handling information as well as links to breaking news from the Mobile Press register:


Alabama Windpool Info and Links:


Basic AL windpool policy info:


Alabama Emergency Management Website and Contact Numbers:


Alabama Governor Robert Bentley’s office issues Declaration of Emergency and Evacuation Orders:


Alabama Department of Insurance link for Emergency Adjuster licenses now that Emergency Declaration Order has been issued for Isaac:


Alabama Claim Handling Regulations as posted on Property360.com:


Alabama Department of Insurance Claim Handling Regulations for Property and Casualty Claims:

All of these shown regulations below can be found here:





CHAPTER 482-1-150


Breaking news link at Alabama Press 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.


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:


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:


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?




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:


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.


Upcoming Claim Committee Teleconference for Citizens Insurance of Florida is today 4/13/12 9:30-to 11:30 ET

April 13, 2012

I know many of you are certified or in the process of certifying to work Citizens of Florida Insurance Corporation– CPIC- catastrophe and non catastrophe claims as independent adjusters.

Here’s your chance to get a current update on their staffing model in the event of a storm and much more information as outlined on today’s teleconference which takes place from 9:30-11:30 ET. As far as I know, all are still welcome to join in the teleconference. I have seen on prior meeting minutes where folks call in even just as citizens of the state of Florida.

The teleconference information for call in as shown on their Board of Governor meeting link is listed as:

Claims Committee Meeting

When: April 13, 2012 9:30 – 11:30am EDT

Where: Teleconference

Teleconference: 866-361-7525 Code: 5219676193

For a complete list of documents and the agenda, here is the current link on Future Meetings link  here:


Note that this same information with very informative documents is usually moved to the Past Meetings link  after the meeting so if you are wanting to view this information after today’s meeting, here is the link to Past Meetings here:


I’ll make another post later today with my comments regarding the staffing model of 120 days as proposed in the February meeting minutes that is presented for approval today as well as other things mentioned in the well prepared minutes from February.

The advantage of sitting in on the teleconference is not having to wait more than a month to know what happened at the committee meeting as it takes them quite a while to get the minutes posted in preparation of their next scheduled Claim Committee hearing.

State Farm Career Site National Catastrophe Team Adjuster openings-Register ASAP

March 1, 2012

I ran across an OUTSTANDING opportunity today for adjusters to apply to State Farm for their openings for their National Catastrophe Claims Team. I think many adjusters would have missed this posting as it was posted in Illinois which is where the executive management group is for the catastrophe team but the positions are open in multiple states.

According to this job posting, they are hosting conference calls today and tomorrow you must register for to take part in the calls to learn more specifics on these openings.

Having been with State Farm 28 years and having been a National Catastrophe Team manager my last 4 of 28 years with them, I cannot say enough great things about these job opportunities. I was especially pleased to see that claims experience and construction backgrounds may waive their normal requirement for Bachelor degrees. (Great Talent crisis move State Farm!)

The link is below to read these details. I wish I’d have seen this posting on Indeed.com earlier to give you more notice to contact them at the email address in the job posting. Please let them know you heard about this from ClaimSmentor group affiliation as this may lead them to notify us for posting next time earlier!

State Farm Career Site National Catastrophe Team Adjuster openings

Louisiana Citizens Insurance Company offers $80 million to settle fines over claim handling delays from Katrina and Rita hurricanes

February 10, 2012

There are numerous articles out this week regarding Louisiana Citizens Insurance company and attempts between all parties involved in settlement negotiations.

This article states that yesterday Louisiana Citizens Insurance Company offered $80 million to resolve this class action suit, Geraldine R. Oubre et al v. Louisiana Citizens in the 34th Judicial District Court in Jefferson Parish , with approximately 18,000 policyholders while approximately 6,500 other claims still are pending at the carrier:


The next article from NOLA.com  of 1/31/12 explains the US Supreme Court refused to delay the judgment against Citizens of Louisiana:


This next article from 2/3/12 discusses the $6 million fees to seize the assets to the sherriff’s office following the Supreme Court 1/31/12 decision:


In a different class action titled CHALONA v. LOUISIANA CITIZENS PROPERTY INSURANCE CORPORATION No. 2008-CA-0257. Fourth Circuit, the Louisiana Supreme Court had granted class action to this group as well. For complete details you can view this article which explains how the two class actions may overlap but says in part:

“While it is possible that some individuals could be included as members of both the Oubre class and the instant class, the relief sought in the two cases is not the same.   Thus, a judgment in the Oubre lawsuit would not have the effect of res judicata in the instant suit.   Although the defined classes in the instant case and the Oubre case may overlap, we do not find that the court was manifestly erroneous in denying LCPIC’s lis pendens exception.”


I’ll add articles to this blog as I can locate updated information regarding the settlement of these cases. If you can provide links to court documents or pdf of same, let me know and I’ll add them to this topic. We’d also appreciate any legal counsel who would like to interpret this information into layman’s terms for the rest of us and what impact this will have on other state run insurance companies in the future.

All articles located do say that these fees will be passed on  as assessments to insurance carriers doing business in the state and thus ultimately on to policyholders.

#Update 2/11- Here’s another article discussing the settlement negotiations and criticism for the negotiations being made public: