Aly – I am a independent adjuster and work for many insurance companies. The way I have tried to make a difference is to take care of the policyholder when adjusting their claim – fairly and professionally. I adjust the claim as I were doing it for my mother, sister, grandmother, etc. I pride myself in learning about construction, estimating, computers programs, etc. I do whatever I can to help the policyholder.
Trying to get insurance companies to change their ways is almost impossible because of the brainwashing that is done to the employees. I once was an employee of a major insurance company(their colors are red and white)and in a meeting a supervisor stated to not pay too much on the claims because then our 401K would not be matched. I told another supervisor what was said in the meeting and I was the one that I should not get involved and forget what I heard.
I do vote and I am a proud American. I do feel my vote does make a difference and I feel my actions do too. I like to treat people the way I would want to be treated in the same situation.
The reason I praise attorneys and public adjusters is because I see that they are able in some way to punish the insurance companies for their wrong doings. You hear about class action suits all the time and insurance companies having to pay big. It seems it is the only way to get “Big Corporate Giants” to listen.
Aly – I am a independent adjuster and work for many insurance companies. The way I have tried to make a difference is to take care of the policyholder when adjusting their claim – fairly and professionally. I adjust the claim as I were doing it for my mother, sister, grandmother, etc. I pride myself in learning about construction, estimating, computers programs, etc. I do whatever I can to help the policyholder.
Trying to get insurance companies to change their ways is almost impossible because of the brainwashing that is done to the employees. I once was an employee of a major insurance company(their colors are red and white)and in a meeting a supervisor stated to not pay too much on the claims because then our 401K would not be matched. I told another supervisor what was said in the meeting and I was the one that I should not get involved and forget what I heard.
I do vote and I am a proud American. I do feel my vote does make a difference and I feel my actions do too. I like to treat people the way I would want to be treated in the same situation.
The reason I praise attorneys and public adjusters is because I see that they are able in some way to punish the insurance companies for their wrong doings. You hear about class action suits all the time and insurance companies having to pay big. It seems it is the only way to get “Big Corporate Giants” to listen.
Sounds like Lisa really is unhappy with the industry, and upset that claims are not handled in a timely manner. I wonder if Lisa has done any claims in Florida or any other state affected by The 4 hurricanes. And if she has settled all of the claims assigned to her in a “reasonable time period”, having dealt with hundreds of adjustors from the storm claims I can only suggest that they don’t train most adjustors very well in anything, especially out of state adjustors. They have lied to every customer about the time involved to get the paperwork to the companies, they are to scared to tell the insureds that they wont get around to it for an average of 3-4 weeks. I understand they are busy but MOST are not honest and not very knowledgable about adjusting Florida claims. Values are differnet here than they are in Alabama, Texas, Montana, etc. Construction costs and building values have went thru the roof in the last 2 years and now a materials shortage makes it worse. You see, there are bad agents out there and yes bad companies, but we have sure seen more than our share of BAD adjustors, and the public adjustors will NEVER get an insured more money than they are due. Insurance companies have responded only as well as the adjustors have. The sad fact is that 90% of the claims in Florida are handled by independant adjustors like Lisa and the bottle neck starts there. If you cant adjust fairly and efficently, we don’t need you here. It is a joke at how many insureds think the insurance companies are to blame for the delays in getting checks out, and they praise the adjustors because they were friendly and spent a lot of time with the client ((1 hour) and found additional roof damage that the insured did not know about and they talked about their family and dogs, but when they come into the agents office to blast us about the 2 months delay, we call into the company to find out that the precious friendly adjustor has still not turned in the paper work 6 weeks after being at the home. I say this as an agent that has dealt with this dozens of times with clients and personally on MY claim. Mine was even worse, because I had done the adjusting work myself, measured, had diagrams, photos and everything on a cd ready to upload and it took 5 weeks to get him to complete my claim and only 4 days for the carrier to send the check once they had his paperwork. The current problems in Florida are because adjusting companies can’t handle the mass number of claims and they are taking any out of state humanoid and giving them a job, and they are not experienced in dealing with catastrophie situations. Logistics are a big part of the problem. Most companies are paying based on what the adjustors report says, if it is 40% higher than it should be they are sending the money anyway, if it is 40% less thats what they are sending, it is expected that the adjustors know what they are doing and it is clear that they don’t. It will seem that I have directed this to all or MOST adjustors as Lisa did in her statement that MOST agents are clueless about coverages. Lisa may indeed be a good person and a good caring adjustor that treats her clients good, but her fellow adjustors dont portray that same good quality. If lisa did care so much she would be happy to be in the insurance industry and not refer to it as a negative business, we are here to help people, and next to agents the adjustors are the next person the client ever sees, it is crucial that you like what you do and do it to the best of your ability.
AMEN, BROTHER. I WAS AN INSURANCE COMPANY ADJUSTER FOR OVER 20 YEARS, AND HAVE WORKED MANY CATS. I AM NOW AN AGENT. I CAN SEE THE ISSUE FROM BOTH SIDES. BEING A CAT ADJUSTER IS TOUGH & BEING A GOOD DECENT RESPONSIBLE AGENT IS NO CAKEWALK EITHER. BUT IF YOU DON’T ENJOY THE CHALLENGES OF YOUR CHOSEN PROFESSION, THEN YOU NEED TO THINK ABOUT A NEW CAREER. BUT THE REWARDS THAT COME FROM BEING ABLE TO HELP YOUR INSUREDS PIECE BACK THEIR LIVES, WHEN THEIR LIVES HAVE BEEN GREATLY IMPCTED, WHETHER IT BE A CAT OR AUTO ACCIDENT OR EVEN A DEATH, ARE ENORMOUS. I WOULDN’T TRADE THE THANK YOU I RECEIVE FROM MY INSUREDS AFTER A CLAIM IS HANDLED FOR ANYTHING.
I have never been in an adjusters shoes but as an agent I know it is a difficult job to handle or deal with an irate client. After all they just suffer a loss and in a CAT as normal human beings we tend to forget that we arent the only ones with losses. This hurricane season was obviously a very weird one that caused great damaged and our state wasnt prepared to deal with such losses and actually I dont really think you can ever be ready. You can improve the preparation methods and that we all as a state have done in many ways. There are times that this field can be overwhelming but I must agree with John you must love what you do because it is the passion in what you do that helps others and making that change that helps you as an agent or adjuster to move forward to help the next one. If you are negative about it you can only bring negative to it. Lisa mentions how she was asked not to say anything after a meeting but I ask why she didnt. I know one person cant change the world but one person can open the doors to have others join and help make any necessary changes ad differences. Insurance companies are no angels but they are no devils either. You will always have a happy and unhappy camper and that is just the fact of life. Tomato….Tomatoe…
For starters, all of these folks know next summer hurricanes will hit again, will anyone leave? NO, they will build again.
This is a complete joke. Everyone who is complaining about insurance companies are the same folks who think legal liabilty is a term which defines!!!!!! They don’t understand legal liab, they don’t even know what Cov A is for, they never have even read their policy. An Agent could tell most insurd’s anything today, but tomorrow they will have forgotten.
This attorney is going after the money, not the remedy, I wonder why???????/
For starters, all of these folks know next summer hurricanes will hit again, will anyone leave? NO, they will build again.
This is a complete joke. Everyone who is complaining about insurance companies are the same folks who think legal liabilty is a term which defines!!!!!! They don’t understand legal liab, they don’t even know what Cov A is for, they never have even read their policy. An Agent could tell most insurd’s anything today, but tomorrow they will have forgotten.
This attorney is going after the money, not the remedy, I wonder why???????/
Jadubya – Great for you on educating people about insurance and trying to help those in need. I definately am when it comes to handling their claim and making sure they get what they deserve. Over 1.5 million claims have been filed with the 4 Florida hurricanes and over 80,000 complaints/mediations have been filed due to underpayment and mishandling of the claim. If you don’t believe my you can log onto the Florida Department of Insurace website where Insurance Commissioner Gallagher talks about it. That is a very large number and I think if the system was working and policyholders were being taken care of by adjusters(company or independent) then the number of complaints would be much smaller. Thank God consumers have 5 years to mediate and sue if need be to protect their rights. Insurance companies love to receive premiums, but they hate to pay. I certainly feel like Robin Hood when I am out in the field helping those that have and are suffering one of the worst times of their lives.
I’m beginning to think “Lisa” is really Mr. Bearman in DISGUISE!!!!!! She sounds like she has a chip on her shoulder about the industry…either that or she is a bad faith attorney who has gone “undercover” to work for the insurance industry….Hmmmmm……I don’t even know how she can hold her job with that kind of attitude….I wonder what her management would say if they received copies of these comments……
Lisa, I applaud you for your altruistic intentions; however, don’t forget about all those insureds who capitalize on the industry and submit fraudulent or exaggerated, padded claims…..We are not here to OVERINDEMNIFY anyone…read your policy contract
I’m beginning to think “Lisa” is really Mr. Bearman in DISGUISE!!!!!! She sounds like she has a chip on her shoulder about the industry…either that or she is a bad faith attorney who has gone “undercover” to work for the insurance industry….Hmmmmm……I don’t even know how she can hold her job with that kind of attitude….I wonder what her management would say if they received copies of these comments……
Lisa, I applaud you for your altruistic intentions; however, don’t forget about all those insureds who capitalize on the industry and submit fraudulent or exaggerated, padded claims…..We are not here to OVERINDEMNIFY anyone…read your policy contract
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Aly – I am a independent adjuster and work for many insurance companies. The way I have tried to make a difference is to take care of the policyholder when adjusting their claim – fairly and professionally. I adjust the claim as I were doing it for my mother, sister, grandmother, etc. I pride myself in learning about construction, estimating, computers programs, etc. I do whatever I can to help the policyholder.
Trying to get insurance companies to change their ways is almost impossible because of the brainwashing that is done to the employees. I once was an employee of a major insurance company(their colors are red and white)and in a meeting a supervisor stated to not pay too much on the claims because then our 401K would not be matched. I told another supervisor what was said in the meeting and I was the one that I should not get involved and forget what I heard.
I do vote and I am a proud American. I do feel my vote does make a difference and I feel my actions do too. I like to treat people the way I would want to be treated in the same situation.
The reason I praise attorneys and public adjusters is because I see that they are able in some way to punish the insurance companies for their wrong doings. You hear about class action suits all the time and insurance companies having to pay big. It seems it is the only way to get “Big Corporate Giants” to listen.
Aly – I am a independent adjuster and work for many insurance companies. The way I have tried to make a difference is to take care of the policyholder when adjusting their claim – fairly and professionally. I adjust the claim as I were doing it for my mother, sister, grandmother, etc. I pride myself in learning about construction, estimating, computers programs, etc. I do whatever I can to help the policyholder.
Trying to get insurance companies to change their ways is almost impossible because of the brainwashing that is done to the employees. I once was an employee of a major insurance company(their colors are red and white)and in a meeting a supervisor stated to not pay too much on the claims because then our 401K would not be matched. I told another supervisor what was said in the meeting and I was the one that I should not get involved and forget what I heard.
I do vote and I am a proud American. I do feel my vote does make a difference and I feel my actions do too. I like to treat people the way I would want to be treated in the same situation.
The reason I praise attorneys and public adjusters is because I see that they are able in some way to punish the insurance companies for their wrong doings. You hear about class action suits all the time and insurance companies having to pay big. It seems it is the only way to get “Big Corporate Giants” to listen.
Sounds like Lisa really is unhappy with the industry, and upset that claims are not handled in a timely manner. I wonder if Lisa has done any claims in Florida or any other state affected by The 4 hurricanes. And if she has settled all of the claims assigned to her in a “reasonable time period”, having dealt with hundreds of adjustors from the storm claims I can only suggest that they don’t train most adjustors very well in anything, especially out of state adjustors. They have lied to every customer about the time involved to get the paperwork to the companies, they are to scared to tell the insureds that they wont get around to it for an average of 3-4 weeks. I understand they are busy but MOST are not honest and not very knowledgable about adjusting Florida claims. Values are differnet here than they are in Alabama, Texas, Montana, etc. Construction costs and building values have went thru the roof in the last 2 years and now a materials shortage makes it worse. You see, there are bad agents out there and yes bad companies, but we have sure seen more than our share of BAD adjustors, and the public adjustors will NEVER get an insured more money than they are due. Insurance companies have responded only as well as the adjustors have. The sad fact is that 90% of the claims in Florida are handled by independant adjustors like Lisa and the bottle neck starts there. If you cant adjust fairly and efficently, we don’t need you here. It is a joke at how many insureds think the insurance companies are to blame for the delays in getting checks out, and they praise the adjustors because they were friendly and spent a lot of time with the client ((1 hour) and found additional roof damage that the insured did not know about and they talked about their family and dogs, but when they come into the agents office to blast us about the 2 months delay, we call into the company to find out that the precious friendly adjustor has still not turned in the paper work 6 weeks after being at the home. I say this as an agent that has dealt with this dozens of times with clients and personally on MY claim. Mine was even worse, because I had done the adjusting work myself, measured, had diagrams, photos and everything on a cd ready to upload and it took 5 weeks to get him to complete my claim and only 4 days for the carrier to send the check once they had his paperwork. The current problems in Florida are because adjusting companies can’t handle the mass number of claims and they are taking any out of state humanoid and giving them a job, and they are not experienced in dealing with catastrophie situations. Logistics are a big part of the problem. Most companies are paying based on what the adjustors report says, if it is 40% higher than it should be they are sending the money anyway, if it is 40% less thats what they are sending, it is expected that the adjustors know what they are doing and it is clear that they don’t. It will seem that I have directed this to all or MOST adjustors as Lisa did in her statement that MOST agents are clueless about coverages. Lisa may indeed be a good person and a good caring adjustor that treats her clients good, but her fellow adjustors dont portray that same good quality. If lisa did care so much she would be happy to be in the insurance industry and not refer to it as a negative business, we are here to help people, and next to agents the adjustors are the next person the client ever sees, it is crucial that you like what you do and do it to the best of your ability.
AMEN, BROTHER. I WAS AN INSURANCE COMPANY ADJUSTER FOR OVER 20 YEARS, AND HAVE WORKED MANY CATS. I AM NOW AN AGENT. I CAN SEE THE ISSUE FROM BOTH SIDES. BEING A CAT ADJUSTER IS TOUGH & BEING A GOOD DECENT RESPONSIBLE AGENT IS NO CAKEWALK EITHER. BUT IF YOU DON’T ENJOY THE CHALLENGES OF YOUR CHOSEN PROFESSION, THEN YOU NEED TO THINK ABOUT A NEW CAREER. BUT THE REWARDS THAT COME FROM BEING ABLE TO HELP YOUR INSUREDS PIECE BACK THEIR LIVES, WHEN THEIR LIVES HAVE BEEN GREATLY IMPCTED, WHETHER IT BE A CAT OR AUTO ACCIDENT OR EVEN A DEATH, ARE ENORMOUS. I WOULDN’T TRADE THE THANK YOU I RECEIVE FROM MY INSUREDS AFTER A CLAIM IS HANDLED FOR ANYTHING.
I have never been in an adjusters shoes but as an agent I know it is a difficult job to handle or deal with an irate client. After all they just suffer a loss and in a CAT as normal human beings we tend to forget that we arent the only ones with losses. This hurricane season was obviously a very weird one that caused great damaged and our state wasnt prepared to deal with such losses and actually I dont really think you can ever be ready. You can improve the preparation methods and that we all as a state have done in many ways. There are times that this field can be overwhelming but I must agree with John you must love what you do because it is the passion in what you do that helps others and making that change that helps you as an agent or adjuster to move forward to help the next one. If you are negative about it you can only bring negative to it. Lisa mentions how she was asked not to say anything after a meeting but I ask why she didnt. I know one person cant change the world but one person can open the doors to have others join and help make any necessary changes ad differences. Insurance companies are no angels but they are no devils either. You will always have a happy and unhappy camper and that is just the fact of life. Tomato….Tomatoe…
For starters, all of these folks know next summer hurricanes will hit again, will anyone leave? NO, they will build again.
This is a complete joke. Everyone who is complaining about insurance companies are the same folks who think legal liabilty is a term which defines!!!!!! They don’t understand legal liab, they don’t even know what Cov A is for, they never have even read their policy. An Agent could tell most insurd’s anything today, but tomorrow they will have forgotten.
This attorney is going after the money, not the remedy, I wonder why???????/
For starters, all of these folks know next summer hurricanes will hit again, will anyone leave? NO, they will build again.
This is a complete joke. Everyone who is complaining about insurance companies are the same folks who think legal liabilty is a term which defines!!!!!! They don’t understand legal liab, they don’t even know what Cov A is for, they never have even read their policy. An Agent could tell most insurd’s anything today, but tomorrow they will have forgotten.
This attorney is going after the money, not the remedy, I wonder why???????/
Jadubya – Great for you on educating people about insurance and trying to help those in need. I definately am when it comes to handling their claim and making sure they get what they deserve. Over 1.5 million claims have been filed with the 4 Florida hurricanes and over 80,000 complaints/mediations have been filed due to underpayment and mishandling of the claim. If you don’t believe my you can log onto the Florida Department of Insurace website where Insurance Commissioner Gallagher talks about it. That is a very large number and I think if the system was working and policyholders were being taken care of by adjusters(company or independent) then the number of complaints would be much smaller. Thank God consumers have 5 years to mediate and sue if need be to protect their rights. Insurance companies love to receive premiums, but they hate to pay. I certainly feel like Robin Hood when I am out in the field helping those that have and are suffering one of the worst times of their lives.
I’m beginning to think “Lisa” is really Mr. Bearman in DISGUISE!!!!!! She sounds like she has a chip on her shoulder about the industry…either that or she is a bad faith attorney who has gone “undercover” to work for the insurance industry….Hmmmmm……I don’t even know how she can hold her job with that kind of attitude….I wonder what her management would say if they received copies of these comments……
Lisa, I applaud you for your altruistic intentions; however, don’t forget about all those insureds who capitalize on the industry and submit fraudulent or exaggerated, padded claims…..We are not here to OVERINDEMNIFY anyone…read your policy contract
I’m beginning to think “Lisa” is really Mr. Bearman in DISGUISE!!!!!! She sounds like she has a chip on her shoulder about the industry…either that or she is a bad faith attorney who has gone “undercover” to work for the insurance industry….Hmmmmm……I don’t even know how she can hold her job with that kind of attitude….I wonder what her management would say if they received copies of these comments……
Lisa, I applaud you for your altruistic intentions; however, don’t forget about all those insureds who capitalize on the industry and submit fraudulent or exaggerated, padded claims…..We are not here to OVERINDEMNIFY anyone…read your policy contract