I AM AN ADJUSTER I HAVE DRIVEN 1396 MILES TO ADJUST CLAIMS IN FLORIDA. AND NO I AM NOT GETTING RICH!! I WORK MOST DAYS 18 HOURS A DAY TRYING TO PROCESS CLAIMS AS FAST AS I CAN. I DRIVE TO STRANGE PLACES, LOOK FOR ADDRESS THAT ARE NO LONGER MARKED. I WALK UP TO A STRANGE DOOR NOT KNOWING WHAT OR WHO WILL GREET ME, OR CURSE ME. I TRY TO BE FAIR TO EVERYONE AND NOT CHEAT ANYONE. I AND SO MANY OTHERS LIKE MY SELF ARE OFTEN GREETED WITH ANGER AND DISCOURTISY. (I CONSIDER THIS AS FOR THE MOST PART THEIR FEAR OF THE UNKNOWN AS TO WHAT WILL HAPPEN TO THEIR HOME. WE DO TRY TO ASSURE THE INSURED WE AM THERE TO HELP THEM. IT MAY TAKE A WHILE TO SETTLE THE CLAIM. I DON’T GET PAID UNTIL I TURN IN CLAIMS. AND IF I DON’T TURN IN CLAIMS NO ONE BUT ME PAYS FOR THE FUEL, MOTEL, FOOD AND TELEPHONE EXPENSES. REMEMBER WE ARE WORKING AS HARD AS WE CAN. ADJUSTERS DIE ON THESE JOBS. LAST WEEK IN ORLANDO AN ADJUSTER FELL OFF A LADDER AND DIED THE NEXT DAY. GIVE US SOME CREDIT THERE ARE JUST SO MANY PEOPLE TO DO THIS JOB. WE ARE NO DIFFERENT THAN THE EMERGENCY PEOPLE OR THE ELECTRICIANS YOU TOUTED SO LOUDELY A FEW WEEKS AGO. YOUR INSURANCE COMPANY IS WORKING HARD TO COVER THE EXPENSES THE AVERAGE PERSON COULD NOT EVER RECOVER OR RESTORE THEIR PROPERTY ON THEIR OWN.
I THANK YOU, IF YOU DID THE CURTSY OF YOUR TIME.
THE LADY ADJUSTER FROM OKLAHOMA
Ditto Lady. It seems rather unreasonable to demand settlement of more than 1.3 million claims in that time frame. I don’t know how many adjusters are in FL working these cat losses, nor how many (more than) 1.3 million really represents, but if you figure 10,000 adjusters, they average 130 claims each. If 25,000 adjusters are in the field it is 52 claims each. What I have seen isn’t simply replacing a roof and some fascia/soffit. They are 100,000 to 1,000,000 dollar claims. Tell me how to properly settle losses of that size in the time allocated. Nov. 22nd is about 26 days away. Most adjusters I know still have 20 – 30 inspections to complete. Not going to happen. Further, if you assume that a scant 10% of the claims are not settled in time, that results in 130,000 claims costing the insurer $2500/day each? Where does that money go? No one is dragging there feet here. We all want to go home. Florida will be fortunate if the balance of the property insurers dont pull out of the state.
Seems like you hit the nail on the head. We adjusters are working as fast as we can. Putting a deadline may get the claims in faster, but they will be a lot less accurate. It’s bad enough setting here at the computer until 10pm or midnight. If I inspect claims all day and start working till 2 or 3 am, who knows what the result will look like. It will cost us all in the long run; more so for the insureds. All extra costs will be passed on to someone. Be reasonable. There are enough of us to handle a couple of storms with no problems, but this is four storms. I for one, and I’m sure a lot of other adjusters fall in the same category, are just simply burnt out. Let staff adjusters handle it all themselves. It will take ten years to settle all the claims. Yes we get paid for what we do. Do you really think all the power workers were volunteers? They were getting paid per diem, overtime and expenses and probably making a lot more money than the adjusters.
Seems like you hit the nail on the head. We adjusters are working as fast as we can. Putting a deadline may get the claims in faster, but they will be a lot less accurate. It’s bad enough setting here at the computer until 10pm or midnight. If I inspect claims all day and start working till 2 or 3 am, who knows what the result will look like. It will cost us all in the long run; more so for the insureds. All extra costs will be passed on to someone. Be reasonable. There are enough of us to handle a couple of storms with no problems, but this is four storms. I for one, and I’m sure a lot of other adjusters fall in the same category, are just simply burnt out. Let staff adjusters handle it all themselves. It will take ten years to settle all the claims. Yes we get paid for what we do. Do you really think all the power workers were volunteers? They were getting paid per diem, overtime and expenses and probably making a lot more money than the adjusters.
Seems like you hit the nail on the head. We adjusters are working as fast as we can. Putting a deadline may get the claims in faster, but they will be a lot less accurate. It’s bad enough setting here at the computer until 10pm or midnight. If I inspect claims all day and start working till 2 or 3 am, who knows what the result will look like. It will cost us all in the long run; more so for the insureds. All extra costs will be passed on to someone. Be reasonable. There are enough of us to handle a couple of storms with no problems, but this is four storms. I for one, and I’m sure a lot of other adjusters fall in the same category, are just simply burnt out. Let staff adjusters handle it all themselves. It will take ten years to settle all the claims. Yes we get paid for what we do. Do you really think all the power workers were volunteers? They were getting paid per diem, overtime and expenses and probably making a lot more money than the adjusters.
That’s why Flordia was hit with 3 hurricanes, it’s election year!!!! You better wake up a realize that God is no joke. To get hit 3 times in one year should tell you, Floridians aren’t living right, and 2ndly to impose this rule on insurnance companies will only leave room for ANOTHER HURRICANE!
Why are these comments only from the claim reps? This one is from a homeowner. I realize people have lost their homes and I have been extremely patient. But, as the days go by, and more moisture gets in my attic, and the Army Corp of Engineers advised it would not be feasible to tarp my house as they would have to remove more ceramic tile to attach firring strips to attached the tarp to, and I have send the insurance company (Liberty Mutual) 2 estimates saying the roof needs to be replaced at a cost of $26 to $28 thousand dollars, and they have sent their claims rep and then a Structural Engineer (whom refused to inspect the screen room while he was here which would save on having him come back out – we also have an issue over the screen room as we received an estimate for $15,000 and the insurance company wants to settle for $3,900) and now we await another claims rep from the insurance company, who on November 4th, Liberty Mutual said they would be out within a week, it is now November 21st and they have not been out, and moisture still accumulates in my attic. All of this is, of course, my fault, as I am unwilling to settle for $2,800 for a roof that will cost me $26,000 and $3,900 for a screen room that will cost me $15,000. I am not a builder, nor do I profess to know anything about building. Who do I trust? Where do I go from here? Would you settle? Why do I have to fight for a service that I have been paying to the same insurance company for the last 25 years? And 3 1/2 months later, moisture still accumulates in my attic, possible creating another issue but, of course, that would be a separate claim with another deductible. Yes, there should be a time limit! Not for me, but for the people who have lost the use of thier homes, as moisture still gets in my attic.
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I AM AN ADJUSTER I HAVE DRIVEN 1396 MILES TO ADJUST CLAIMS IN FLORIDA. AND NO I AM NOT GETTING RICH!! I WORK MOST DAYS 18 HOURS A DAY TRYING TO PROCESS CLAIMS AS FAST AS I CAN. I DRIVE TO STRANGE PLACES, LOOK FOR ADDRESS THAT ARE NO LONGER MARKED. I WALK UP TO A STRANGE DOOR NOT KNOWING WHAT OR WHO WILL GREET ME, OR CURSE ME. I TRY TO BE FAIR TO EVERYONE AND NOT CHEAT ANYONE. I AND SO MANY OTHERS LIKE MY SELF ARE OFTEN GREETED WITH ANGER AND DISCOURTISY. (I CONSIDER THIS AS FOR THE MOST PART THEIR FEAR OF THE UNKNOWN AS TO WHAT WILL HAPPEN TO THEIR HOME. WE DO TRY TO ASSURE THE INSURED WE AM THERE TO HELP THEM. IT MAY TAKE A WHILE TO SETTLE THE CLAIM. I DON’T GET PAID UNTIL I TURN IN CLAIMS. AND IF I DON’T TURN IN CLAIMS NO ONE BUT ME PAYS FOR THE FUEL, MOTEL, FOOD AND TELEPHONE EXPENSES. REMEMBER WE ARE WORKING AS HARD AS WE CAN. ADJUSTERS DIE ON THESE JOBS. LAST WEEK IN ORLANDO AN ADJUSTER FELL OFF A LADDER AND DIED THE NEXT DAY. GIVE US SOME CREDIT THERE ARE JUST SO MANY PEOPLE TO DO THIS JOB. WE ARE NO DIFFERENT THAN THE EMERGENCY PEOPLE OR THE ELECTRICIANS YOU TOUTED SO LOUDELY A FEW WEEKS AGO. YOUR INSURANCE COMPANY IS WORKING HARD TO COVER THE EXPENSES THE AVERAGE PERSON COULD NOT EVER RECOVER OR RESTORE THEIR PROPERTY ON THEIR OWN.
I THANK YOU, IF YOU DID THE CURTSY OF YOUR TIME.
THE LADY ADJUSTER FROM OKLAHOMA
Ditto Lady. It seems rather unreasonable to demand settlement of more than 1.3 million claims in that time frame. I don’t know how many adjusters are in FL working these cat losses, nor how many (more than) 1.3 million really represents, but if you figure 10,000 adjusters, they average 130 claims each. If 25,000 adjusters are in the field it is 52 claims each. What I have seen isn’t simply replacing a roof and some fascia/soffit. They are 100,000 to 1,000,000 dollar claims. Tell me how to properly settle losses of that size in the time allocated. Nov. 22nd is about 26 days away. Most adjusters I know still have 20 – 30 inspections to complete. Not going to happen. Further, if you assume that a scant 10% of the claims are not settled in time, that results in 130,000 claims costing the insurer $2500/day each? Where does that money go? No one is dragging there feet here. We all want to go home. Florida will be fortunate if the balance of the property insurers dont pull out of the state.
the insureds will end up footing the bill in the long run.
Typical florida…..that money goes the same place the votes went.
Seems like you hit the nail on the head. We adjusters are working as fast as we can. Putting a deadline may get the claims in faster, but they will be a lot less accurate. It’s bad enough setting here at the computer until 10pm or midnight. If I inspect claims all day and start working till 2 or 3 am, who knows what the result will look like. It will cost us all in the long run; more so for the insureds. All extra costs will be passed on to someone. Be reasonable. There are enough of us to handle a couple of storms with no problems, but this is four storms. I for one, and I’m sure a lot of other adjusters fall in the same category, are just simply burnt out. Let staff adjusters handle it all themselves. It will take ten years to settle all the claims. Yes we get paid for what we do. Do you really think all the power workers were volunteers? They were getting paid per diem, overtime and expenses and probably making a lot more money than the adjusters.
Thanks, I needed to vent some of my frustrations.
See you back in OK
Seems like you hit the nail on the head. We adjusters are working as fast as we can. Putting a deadline may get the claims in faster, but they will be a lot less accurate. It’s bad enough setting here at the computer until 10pm or midnight. If I inspect claims all day and start working till 2 or 3 am, who knows what the result will look like. It will cost us all in the long run; more so for the insureds. All extra costs will be passed on to someone. Be reasonable. There are enough of us to handle a couple of storms with no problems, but this is four storms. I for one, and I’m sure a lot of other adjusters fall in the same category, are just simply burnt out. Let staff adjusters handle it all themselves. It will take ten years to settle all the claims. Yes we get paid for what we do. Do you really think all the power workers were volunteers? They were getting paid per diem, overtime and expenses and probably making a lot more money than the adjusters.
Thanks, I needed to vent some of my frustrations.
See you back in OK
Seems like you hit the nail on the head. We adjusters are working as fast as we can. Putting a deadline may get the claims in faster, but they will be a lot less accurate. It’s bad enough setting here at the computer until 10pm or midnight. If I inspect claims all day and start working till 2 or 3 am, who knows what the result will look like. It will cost us all in the long run; more so for the insureds. All extra costs will be passed on to someone. Be reasonable. There are enough of us to handle a couple of storms with no problems, but this is four storms. I for one, and I’m sure a lot of other adjusters fall in the same category, are just simply burnt out. Let staff adjusters handle it all themselves. It will take ten years to settle all the claims. Yes we get paid for what we do. Do you really think all the power workers were volunteers? They were getting paid per diem, overtime and expenses and probably making a lot more money than the adjusters.
Thanks, I needed to vent some of my frustrations.
See you back in OK
That’s why Flordia was hit with 3 hurricanes, it’s election year!!!! You better wake up a realize that God is no joke. To get hit 3 times in one year should tell you, Floridians aren’t living right, and 2ndly to impose this rule on insurnance companies will only leave room for ANOTHER HURRICANE!
Why are these comments only from the claim reps? This one is from a homeowner. I realize people have lost their homes and I have been extremely patient. But, as the days go by, and more moisture gets in my attic, and the Army Corp of Engineers advised it would not be feasible to tarp my house as they would have to remove more ceramic tile to attach firring strips to attached the tarp to, and I have send the insurance company (Liberty Mutual) 2 estimates saying the roof needs to be replaced at a cost of $26 to $28 thousand dollars, and they have sent their claims rep and then a Structural Engineer (whom refused to inspect the screen room while he was here which would save on having him come back out – we also have an issue over the screen room as we received an estimate for $15,000 and the insurance company wants to settle for $3,900) and now we await another claims rep from the insurance company, who on November 4th, Liberty Mutual said they would be out within a week, it is now November 21st and they have not been out, and moisture still accumulates in my attic. All of this is, of course, my fault, as I am unwilling to settle for $2,800 for a roof that will cost me $26,000 and $3,900 for a screen room that will cost me $15,000. I am not a builder, nor do I profess to know anything about building. Who do I trust? Where do I go from here? Would you settle? Why do I have to fight for a service that I have been paying to the same insurance company for the last 25 years? And 3 1/2 months later, moisture still accumulates in my attic, possible creating another issue but, of course, that would be a separate claim with another deductible. Yes, there should be a time limit! Not for me, but for the people who have lost the use of thier homes, as moisture still gets in my attic.