Claims Information on November 5, 2011 Oklahoma Earthquake is now coming in

November 10, 2011

I’ve been waiting for claim information to start coming in regarding the Oklahoma 5.6 earthquake and it’s starting to roll in today.

It appears from news reports that only one percent of home owners in Oklahoma carried earthquake insurance coverage per this Insurance Journal news article. This article also gives information on the top 5 insurance companies writing business in Oklahoma which will be of interest to adjusting firms wanting to service these claims.


Colorado Hail/ Tornado of May 22, 2008- Updated Damage Reports

May 23, 2008

That was quite some storm in Colorado yesterday and the hail damage report sizes shown on the NOAA storm reports indicates there was major hail there. Here’s some of the best of the news reports we located and other information you may need if heading to CO for tornado/hail storm duty:

Here’s one of the best stories with details on the structural damage:
http://news.yahoo.com/s/ap/20080523/ap_on_re_us/severe_weather

 

State Farm’s CO Regional office suffers storm damage and Dept of Insurance encourages insureds encouraged to call SF corporate instead:

http://www.krdo.com/Global/story.asp?S=8368796

Colorado Dept of Insurance website:

http://www.dora.state.co.us  (Nothing on site about adjuster’s licenses- I don’t believe they are required)

Colorado Dept of Insurance Market Share and Carrier Insurance Dept complaint info- Good link for adjusting firms looking for insurance companies to market their services to with their market share for these storm claims:
http://www.dora.state.co.us/pls/real/ins_comp_ratio_report.generate_report?p_report_id=Complaint%20Ratio%20Search%20Results&p_report_year=2006&p_policy_type=HOME&p_min_complaints=5&p_min_marketshare=0.10&p_report_format=HTML&p_report_type=Standard%20Reports&p_order_by=company_name

 Here’s several links to some interesting storm stories in the Denver post on the damage:

http://www.denverpost.com/breakingnews/ci_9352829

http://www.denverpost.com/breakingnews/ci_9352828

**look for the word tornados in the left side of the box on this second link to lots of video footage of the damage

http://www.denverpost.com/breakingnews/ci_9352505

Here are yesterday’s NOAA storm reports showing the tornado and hail damage reports:

http://www.spc.noaa.gov/climo/reports/yesterday.html

**note if your accessing the storm report link after 5/23 then you’d enter 5/22/08 on the link to find these reports

Here’s the Windsor CO website showing neighborhoods closed to public and more info today on damage there and emergency shelters:

http://www.ci.windsor.co.us/

Weld County is the county listed in the NOAA storm reports- here is some helpful info on the Weld County Sheriff’s office site:

http://www.weldsheriff.com/

Very interesting info on how very large Weld County is- and other links you may need to their Building Inspector and Building and Permits numbers:

http://www.co.weld.co.us/

Weld County covers an area of 4,004 square miles in north central Colorado. It is bordered on the north by Wyoming and Nebraska and on the south by the Denver metropolitan area. The third largest county in Colorado, Weld County has an area greater than that of Rhode Island, Delaware and the District of Columbia combined. The climate is dry and generally mild with warm summers, mild winters and a growing season of approximately 138 days. Read more…

Here are some interesting statistics on the most costly storms in the Rocky Mountain region:

http://www.rmiia.org/Catastrophes_and_Statistics/catastrophes.htm#regional

I’ll update this blog post throughout the day as we locate carrier damage numbers.


VA Tornado Damage- The Carrier Claim Numbers Are Coming In

April 30, 2008

 

We have been monitoring the news for updates on the Carrier number of claims reported as a result of the tornado damage in VA this week in Suffolk County and other communities. Here are some news stories of interest quoting carriers. At this point, the number of the carriers polled in these news stories does not exceed 200 for any carrier so I do not imagine there will be a major need thus far for independent adjusters. Having said that, the news stories linked to below also indicate that homeowners still are not allowed into some areas due to power lines down and gas leaks so those numbers are expected to grow as many of the carriers interviewed indicated.

Here is information on the Declaration of an Emergency declared which normally triggers a state to allow adjusters in to operate under an emergency adjusters license. Checking the VA Dept of Insurance website, I am not finding any information related to adjuster emergency licenses or even resident adjuster licenses required. Here is a link to the Virginia Insurance Department-click here. I was able to get through to the VA Insurance Licensing division and spoke with “Richard” at 804-371-9631 and was advised that VA does not require a license for resident adjusters or emergency adjusters. Quite amazing and so NOT a good idea these days!

Here’s some great video footage of the damage in VA: click here

 According to the Virginia-Pilot news, none of the carriers were reporting more than 200 claims as of yesterday – here’s a link to their news article quoting several carriers and also indicating many homeowners have yet to be allowed to return to their neighborhoods thus they are expecting many more claims to be reported. Click here for the article. Also, according to this second article at the same site, the damage is expected to exceed 20 million dollars. Click here for the 2nd article. This next article contains a bit more information on damage and has some good links to photos of the damage as well. Click here to view.

The NAIIA (National Association of Independent Insurance Adjusters) has 29 Adjusting firms listed for VA. Click here to view. This wouldn’t be all inclusive but a good start if your core firms you prefer aren’t sending folks in (and of course if we don’t get staffing requests for the assignment since the numbers are relatively low as far as deploying independents). Sometimes, the carriers will still deploy a few independents from some of the local firms who assist with daily claims and branch assist assignments when there isn’t enough work to warrant calling in their national catastrophe teams (usually requires 500 or more claims in a state as a result of one storm for most carriers). Here is also an AM Best Adjusters list of firms they list where you can search by state for firms-click here.

You will also find the link to the VA Fairplan for adjusters wanting to send them resume (site presently shows no employment opportunities but given the damage this week that could change) or for adjusting firms wishing to solicit their business- click here .


Storms in TN, KY, AK, AL, IN, MO, MS of 2/5/08- Adjuster Information on Emergency Licensing and Damage

February 6, 2008

We are already receiving reports of adjusters deploying to the February 5, 2008 storms. We are providing some information to assist you in assessing damage and claim potential as well as for emergency adjuster licensing issues. You will also find some other interesting developments from 2006 and 2007 posted below that may come up while out on assignment:

Adjuster Licensing/ Insurance Carrier- Adjusting Firm emergency licensing forms

AL

AL emergency adjuster license form:

http://www.aldoi.gov/PDF/Licensing/EmergencyAdjustersApp.pdf

Here is current 2/08 info about AL- interesting info about the passes and that they will overnight them. This is an online form and looks like it must be completed by the company to register an emergency adjuster

http://www.aldoi.gov/Licensing/EmergAdjustForm.aspx

AK:

http://www.insurance.arkansas.gov/License/forms.htm

http://www.insurance.arkansas.gov/License/LicenseFormfiles/adjuster_application.pdf

KY:

KY Adjusters license application info- for resident and non resident- see info on the pdf about emergency adjusters/90 days info: (this is last update from June 2007)

http://doi.ppr.ky.gov/kentucky/Documents/Agent/AdjusterApprenticeAdj06072007.pdf

Here is more info on Ky emergency adjusters on this form for companies sending in emergency adjusters:

http://doi.ppr.ky.gov/kentucky/Documents/Agent/catloss83071104REV05272005.pdf

MS

Links to applying for MS license:

On-line License Applications

MS first-time licenses or reinstatements available through Sircon as of Jan. 1, 2007

Go to http://www.sircon.com/Mississippi  “Apply for a License”

Agents/Producers

http://www.doi.state.ms.us/licensing/update.html

Test scores for residents

The Mississippi Insurance Department now has the capability to receive test scores electronically for resident agents/producers. The Testing Service submits the test scores to Sircon on a daily basis. As a result, resident applicants for first-time Life & Health, Property & Casualty and Adjuster licenses are no longer required to submit test scores with their applications. Our processors will verify the test results upon receiving the application, license fee and pre-licensing certificate.

Note that this link had some emergency PA rules too but MS has a new Ins commissioner so no telling how this will all pan out these storms:

http://www.doi.state.ms.us/bulletins/20067bull.PDF

Info on MS Emergency adjusters licenses is found in this former bulletin on emergency adjusters in MS during Katrina:

http://www.doi.state.ms.us/bulletins/20067bull.PDF

which says in part that Ms Code 83-17-409 authorizes emergency adjuster authorization by the state

I’m curious if this bulletin on PA’s in MS which expired in May 2007 will be renewed:

http://www.doi.state.ms.us/bulletins/20058bull.PDF


TN:

New Public Adjuster Regs in 07:

TN new Public Adjuster licensing provisions that were in effect in 2007:

http://tennessee.gov/commerce/insurance/documents/PublicAdjusterLicPkt052107.pdf

TN Insurance Division – can’t find any info on state license or emergency licenses for adjusters- it’s my understanding resident adjusters are not licensed here but you will want to verify that before coming yourself since I am not familiar with emergency licensing standards here and nothing posted on their site:

http://www.state.tn.us/commerce/insurance/index.html

Miscellaneous Info adjusters might need/be interested in:

MS- See this bulletin about Auto total loss claims bulletin found on DOI site:

Bulletin from 6-07 about sales tax and license fees if a carrier totals an auto on a loss which says a carrier has not made an insured whole if they do not include tthese fees for title, sales tax and license fees:

http://www.doi.state.ms.us/bulletins/20074bull.PDF


 

TN- see note above on new PA licenses required in case you must deal with a PA there

Also – interesting problem contractor listing found on the TN state consumer division site updated 1/31/08:

TN – Problem Contractor listing for Contractors who have failed to respond to complaints in case any of you run into them: (list of 1/31/08 found on Consumer Affairs site on Tn site

http://www.state.tn.us/consumer/documents/ProblemContractorsList.pdf

TN Building Code info – an update from TN Dept of Ins of 1/25/08 some of you may need to be aware of if working TN storm claims:

http://www.state.tn.us/commerce/documents/pr2008EmergencyRules_01252008.pdf


Storm Reports:


NOAA Storm reports over 60 tornado reports yesterday and over 100 hail damage reports:

Here is the NOAA Storm reports link for yesterday to check back for updates for those of you new in claims that don’t have this link:

http://www.spc.noaa.gov/climo/reports/yesterday.html

Last 3 hours reports more tornados in AL and TN:

http://www.spc.noaa.gov/climo/reports/last3hours.html

Here is the one cumulative called TODAY’s reports (note the ones above in the last 3 hours aren’t showing up yet on the site:

http://www.spc.noaa.gov/climo/reports/today.html

Photo Galleries of Storm Damage you might want to view:

Photo gallery of damage in Jackson,TN:

http://www.jacksonsun.com/apps/pbcs.dll/gallery?Avis=DQ&Dato=20080205&Kategori=PHOTOGALLERIES01&Lopenr=802060801&Ref=PH

Gallery of photos posted at the Tennessean (Nashville) on damage throughout the state:

http://tennessean.com/apps/pbcs.dll/gallery?Avis=DN&Dato=20080206&Kategori=NEWS&Lopenr=802060802&Ref=PH

News reports of the dead and destruction: 

Here is  a sampling of damage reports around the states from last night and this morning reporting 44 deaths and numerous injuries as well as much damage. The initial news reports here in TN were indicating 4 states involved but the NOAA reports show many others suffered hail damage as well like IN, MO, TX:

Some early reports indicating 31 dead:

http://gulfcoast.cox.net/cci/newsnational/national?_mode=view&_state=maximized&view=article&id=D8UKQ7681&_action=validatearticle

5 dead in Sumner Co, TN:

http://www.tennessean.com/apps/pbcs.dll/article?AID=/20080206/NEWS/80206008

Reports of 3 dead in Shelby/Memphis TN:

http://www.tennessean.com/apps/pbcs.dll/article?AID=/20080206/NEWS/80206012

Madison/Jackson,TN damage:

http://www.tennessean.com/apps/pbcs.dll/article?AID=/20080206/NEWS/80206014

4 killed/20 injured- Madison/Jackson:

http://www.jacksonsun.com/apps/pbcs.dll/article?AID=/20080206/NEWS01/802060331/1002

Arkansas- 13 dead/damage in 9 counties:
http://www2.arkansasonline.com/news/2008/feb/06/tornadoes-rip-state-kill-8/?news/arkansas

An earlier report out of Arkansas:

http://www2.arkansasonline.com/news/2008/feb/05/severe-thunderstorms-were-forecast-arkansas-tuesda/?news/arkansas

4 deaths reported in AL this am:

http://blog.al.com/spotnews/2008/02/at_least_two_dead_in_storms_in.html


I’m sure by the time this blog is reported these numbers have risen. Our prayers go out to all damaged communities and families who have suffered losses. We also pray for the safety of all adjusters reporting to these storms. It is most difficult to work losses with these numbers of fatalities involved.

For those of you who are members at ClaimSmentor, we’ll post additional claim stats on the damage in our Storms Forum.

Don’t forget there is also a roster by state of residence of participating adjusters which now includes hundreds of experienced adjusters with their resumes uploaded which participating adjuster firms can use at no charge (it also indicates if the adjuster has uploaded their resume as well as their experience level directly on the state alpha list).

We are also available 24/7 to assist with any carrier or adjusting firm staffing needs. There is a charge for our services. Note our new office number now that we have relocated to TN is 615-435-4177 or Cell 850-496-7831 if you need additional staffing assistance.


TS Gabrielle- East Coast Windpool and Emergency Licensing Information

September 8, 2007

Reports indicate tropical Storm Gabrielle off the East coast of the US is at about 45 mph. Fox news tv reports are stating it could reach minimum hurricane strength before making landfall. They do not mention it in this report issued after today’s 8am forecast which says it’s about 280 miles off of the coast from Cape Lookout, NC. Here is a visable satelitte loop off of Cape Hatteras to take a look at the storm. This discussion model indicates that tropical storm warnings may be issued later today. This report on the local storm forecast from Charleston,SC indicates that they expect storm warnings for GA and southeast SC to be cancelled later today as the storm remains out to sea while this report from NC states there will be little flooding.

This doesn’t look like it will be a big weather event for adjusters. We have previously posted information on ClaimSmentor about emergency adjuster licensing and the windpool information for the coastal areas of SC, NC, and VA as well as information on the adjusting firms working claims for these windpools as well as emergency adjuster license information for these states. We will update this blog late tonight or early tomorrow if there are significant changes in the storm or expected flooding situation for these east coast states so check back by 10am Sunday for updates on the state windpools and emergency adjuster licensing information you will need if it appears there may be a need for independent adjusters.