Good Morning
Thank you for the chance to respond to the above mentioned article.
I am retired from a major insurance company after thirty years in claims. I retired fifteen years ago. When I started work we were known as multi- line adjusters. We wore suits and ties. We handled auto – B I and property losses. My how times have changed. A lot of good changes, some not so good. I retired as a Cat Property Manager. I now own a construction company, we are a Licensed Home Builder, and also do remodeling. We have been in business 17 years. In that 17 years we have has three complaints with the BBB, and Home Builders Assn. I do handle some insurance claims. I do not take claims directly from any insurance company. We write our own estimate using Xactware which I feel is the industry standard now. I cannot survive on 10% Profit and 10% Overhead.
We are in an area that was hit with the last hurricane that hit the United States. When I tell you there is not enough contractors to handle all the work from Panama City Fla to central Ala believe me. We are still working off of a list of clients that called us with their damages.
My reason for this e-mail is there will have to be “a lot of training” done for the inside adjusters who are trying to write an estimate off a uploaded video.
If the truth was told the supplement adjusters outnumber the adjusters writing the estimates. As you are aware there is only so much knowledge that can be taken off You Tube. We as contractors have to deal with building codes, electrical codes, plumbing codes, framing codes and the new federal mandated energy code. These poor adjusters they have hired have no idea about these things. When we would call in for a supplement they treat you like we were stealing. It took me over two months on some of these claims to get these customers paid for their full damages. It has now made me tell my customers up front if insurance is involved they will have to deal with it. My estimate is what we will charge them for the repairs. I can no longer be concerned with what the insurance company pays or does not pay. Example – some carriers want to figure the supplements based on the date of loss, not the current pricing. As I said I have been on both sides of the fence, we charge what it takes for us to make a profit just like the insurance companies do.
R. S. & J. Hammer Const
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Good Morning
Thank you for the chance to respond to the above mentioned article.
I am retired from a major insurance company after thirty years in claims. I retired fifteen years ago. When I started work we were known as multi- line adjusters. We wore suits and ties. We handled auto – B I and property losses. My how times have changed. A lot of good changes, some not so good. I retired as a Cat Property Manager. I now own a construction company, we are a Licensed Home Builder, and also do remodeling. We have been in business 17 years. In that 17 years we have has three complaints with the BBB, and Home Builders Assn. I do handle some insurance claims. I do not take claims directly from any insurance company. We write our own estimate using Xactware which I feel is the industry standard now. I cannot survive on 10% Profit and 10% Overhead.
We are in an area that was hit with the last hurricane that hit the United States. When I tell you there is not enough contractors to handle all the work from Panama City Fla to central Ala believe me. We are still working off of a list of clients that called us with their damages.
My reason for this e-mail is there will have to be “a lot of training” done for the inside adjusters who are trying to write an estimate off a uploaded video.
If the truth was told the supplement adjusters outnumber the adjusters writing the estimates. As you are aware there is only so much knowledge that can be taken off You Tube. We as contractors have to deal with building codes, electrical codes, plumbing codes, framing codes and the new federal mandated energy code. These poor adjusters they have hired have no idea about these things. When we would call in for a supplement they treat you like we were stealing. It took me over two months on some of these claims to get these customers paid for their full damages. It has now made me tell my customers up front if insurance is involved they will have to deal with it. My estimate is what we will charge them for the repairs. I can no longer be concerned with what the insurance company pays or does not pay. Example – some carriers want to figure the supplements based on the date of loss, not the current pricing. As I said I have been on both sides of the fence, we charge what it takes for us to make a profit just like the insurance companies do.
R. S. & J. Hammer Const
Jim Wright