There’s plenty of ways to miss it, running insurance claims. But
there’s one sure fire way to miss it,
often—and one way to prevent it…
I still remember it. Hail claim. Nice, big expensive, new house. Thirty year laminate. It was disgusting. Footfall, marring and mechanical damage everywhere. I thought it must’ve been installed on a hot—hot Saturday afternoon…and the boys were thirsty.
I took my time. I took 92
photos (actually more but that’s how many I submitted with the file.)
Did I mention, I took.my.time?
I searched high and low and
found plenty of damage—only none of it had anything to do with hail.
Just thirsty boys in a hurry.
I took my time. Explained what
I found (and didn’t find) to the insured, as per carrier protocol.
No surprise—they weren’t happy.
I submitted my file. And you
know what? I took my time, detailing in photos all the stuff I found and
explained that it had nothing to do with hail—but just a bunch of thirsty boys
on a Saturday (or so it seemed).
Back at the ranch, up on the
roof, a day or two later a contractor or two, looked at all the things I’d
taken pictures of and told the insured he couldn’t believe how bad I’d missed
it and, “You have substantial damage to warrant roof replacement.”
As you might’ve guessed a
re-inspect was requested—only not with that
adjuster (me). I didn’t even know about it until later on…we’ll get to that in
a moment.
And wouldn’t you know it? The
new adjuster found “substantial damage to warrant roof replacement.”
So, the contractor was happy,
the insured was happy, and the new adjuster was happy to bill a big fat fee for
a big fat roof.
Only…something odd happened.
An inside handler for the
carrier, took.his.time. and looked back through my 92 photos and thought, hmmm,
this guy looks like he.took.his.time. Maybe he’s not blind as a bat like the
contractor and insured said. Maybe, he didn’t miss it. I think we ought to take
another look.
In comes the engineer.
Lo and behold the engineer
agreed with that blind as a bat first adjuster. The shingles were damaged sure
and certain, in all sorts of ways except, for anything that had to do with hail.
But…
He didn’t take.his.time to
review his report after he copied and pasted from a template. So he didn’t notice
the statement about finding dents in the roof vents. The roof vents that he had
no, zero, nada, zilch, photos of. He did have one picture of some mechanical
damage to valley metal, though.
The desk adjuster didn’t take.his.time
to read the reports thoroughly, either. He did, however, see the part that said
something about hail dented roof vents.
That’s why I received the claim
back in my queue with a request to write an estimate to replace the hail dented
roof vents.
I took.my.time and replied with
photos of the vents from the original 92 pictures and an excerpt from my
original loss report advising that the vents were vinyl. (Hail doesn’t dent
vinyl vents—it may crack holes in older brittle ones, but not new ones. Well,
if it does it will damage a lot more than just the vents.) I also included my
original statement that the shingles were damage from poor workmanship, but not
hail.
The moral of the story?
We don’t ever want to miss it—but
sometimes we will. One of the biggest things you can do to prevent missing it
is to: take.your.time.
Take
your time, you’ll get there faster~ dougism 101
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What's your story? Have you ever bumfuzzled something just because you were in a hurry?
Take your time and send me a line...
AdjustersLife@aol.com
or leave a reply.
Adjust awesomely,
Doug
