Adjusting…everybody’s got to do it. Some do it for a living
Get YOUR copy of Adjuster's Life CLICK HERE
Showing posts with label Adjuster's Life. Show all posts
Showing posts with label Adjuster's Life. Show all posts

Monday, January 1, 2018

Adjuster's Prayer

The best thing we can do as we stand at the brink of a new day, or a new year...is pray.

We know how it works, because it's just like our career, as adjusters. We're like the Centurion who said to Jesus, I get this authority thing, because I do it for my job


It might sound weird, but just think about it:

We acknowledge someone has filed a claim. They need help.

We assess the situation, (get the details). 

Then, apply proper coverage, per policy guidelines. 

And, ask the carrier for coverage.

That, is exactly how prayer works: 

1) Acknowledge the need. 
2) Assess the situation (get the details). 
3) Apply proper coverage per Biblical guidelines. 
4) Ask The Carrier of carriers for coverage.

You see, there's more to being an adjuster, than just closing claims and making money. 
We have the unique opportunity and training to make an eternal difference, in a multitude of lives. 

Let's pray.

LORD, our Father, kind and true. We have Your Words written in black and white, and in the color of Your blood.  We believe in You. And know that You don’t lie.  

So here we are, right now.  

According to Your Word, we release anyone we haven’t forgiven. Now, LORD, please forgive us, too. 

Set us free to worship You with fullness of joy. And use that joy, that is our strength, to make a difference in all the lives we meet.

Lord, You know our fear, You know our doubt. But even still, please, see our faith. That little bit that has us standing here before You now, with trembling lips and pounding heart. We dare to believe that what has been, isn’t what always will be.

We trust our trials into Your hands.

We believe You meet our needs.

Thank You for faith to move the mountains that need moving and the ones that don’t—for strength to climb. 

LORD, above all this, we ask not our will, but Yours be done.



Together, we can move mountains. 
Prayerfully yours,
Doug Spurling

Monday, November 23, 2015

How to live the Adjuster's Life ~ from resume to payday


 My wife and I live a life of endless summers. We spend winters in Florida and summers on a lake in Minnesota. When asked where we live we say, Florisota.

No—we’re not retired. We’re insurance adjusters.

If I’ve heard it once, I’ve heard it a thousand times. “How do I get a job like yours?”

This book is my answer.

But not only how to get the job, but how to keep it, enjoy it and make a good living at it. 

Adjuster's Life is written from raw sweaty years of one-on-one training.

I enjoyed personally training for many years. But, before long more people wanted training than we could fit in our F250.

Somewhere along the line I heard, “You oughta write a book.”

And so, here you are.

To keep it simple this book reads like a novel. I start at the beginning—like you just jumped in the truck—and we ride through a storm from resume to payday.

But…there’s more.

FREE BONUS

Click HERE to join the team
Adjuster's Life comes not only with words and examples but a promise to personally assist you for *FREE * as you build your adjusting career.

I  give you my personal contact information.  So, you can reach me with your questions…even if I’m in my sailboat.


 Click HERE to start your Adjuster's Life Today


* Everything you need to know from resume to payday.

* No sales gimmick or hook.

* Just simple words penned with sweat from years of adjusting and one-on-one training.

* No need spend time and hundreds of dollars with training and travel.

The Adjuster's Life thrives in any economy, you can too.

Are you ready to see what it's like to ride through a storm with an adjuster?

What're you waiting for?


Jump in--let's roll.





Check out what they're saying about Adjuster's Life:

Format: Paperback Verified Purchase
Great book....thanks for easing the anxiety of heading into the field, have done a zone deployment but waiting for that big one like everyone else, after reading this book, which by the way I read from front to back without putting it down! and taking in your many useful tips and years of knowledge I'm more excited than ever to get out there and ADJUST! I'd recommend this power house to anyone interested in the field of adjusting.





By Michael Olding on July 4, 2013
Format: Kindle Edition Verified Purchase
This well written, fun to read and informative book offers a great value to the aspiring adjuster. Like any field one enters there is nomenclature, organization styles and traditions that dictate how one works professionally in that field ie. - 'When in Rome do as the Romans do'. Mr. Spurling has done a terrific job in presenting a good overview of adjusting life, day to day operations and provides excellent links to important industry sites, forums and tools used by the seasoned pro's. I'm happy to have found this book before I got too far along in the process as it is a true 'help guide' to further my career as a CAT adjuster. Thanks!


on November 12, 2013
This book is fun to read and easy to follow. The author has a great sense of humor and makes learning about being an adjuster fun and entertaining. I was concerned about being able to stay organized when there is a disaster and hundreds of claims all at once, and now I have an action plan that makes sense and is achievable. Thank you Douglas Spurling!!


on March 28, 2014
Perfect book for those thinking about starting a career as an adjuster. Wish I would have read this years ago



on April 16, 2015
I am interested in learning who adjusters are. This book paints a good picture. I am a board member of an hoa. I want to understand how to deal with claims




Looking forward to working with you,

Doug Spurling

Friday, November 20, 2015

So you're an adjuster, now what?


Good job! 

You passed the test. You’ve got your Adjusters License.  Now you’re a bona fide licensed insurance adjuster…on paper.

Passing the test makes you licensed, but it doesn’t make you an adjuster.

It doesn’t teach you how to get rolling, keep rolling and enjoy it along the way.

Getting claims, running them, writing them, turning them in, having them be accepted by the carrier, the insured and the contractor is what gets you paid and makes you an adjuster. 

In short, you’re an adjuster when you successfully and efficiently are closing claims. Or as they say in the field: Turnin’ & burnin’ or Runnin’ and writin’

Let’s get started.

Resume

Get your name out there. Not unlike any business you need to solicit if you want to get called. Write a resume heavy with any construction and estimate writing background. You want to show that you know what it takes to fix a damaged structure. Even if you don’t know how to physically do the work, you need to be able to show what needs to be done on paper, in the form of an estimate, reflecting step by step repair procedures.

Let’s say for example you receive a claim where a tree has damaged part of the insured’s roof. You will need to know what needs to happen to make repairs and be able to communicate it on paper. Such as; replacing the tree damaged insulation, rafters, sheathing, felt, drip edge, shingles, fascia, soffit etc. Notice I listed in an order that resembles the actual layers of a roofing system. If you get in the habit of writing your estimates in a way that makes sense, it will help you to not forget anything, and it makes it easier for your file reviewer to understand your estimate.

If you are working a flood you may want to start at the pad and work your way up on your room by room estimate; pad, carpet, baseboard, drywall, paint… We’ll go into more detail about this later.

For now let it suffice to say you want to impress anyone reading your resume that you know construction and you can write an estimate.

Secondly, if you have any knowledge at all of the Xactimate program you want to put the word Xactimate in your resume. It is the most popular adjuster’s program. The carrier will dictate which program you use, and most likely it will be Xactimate. We’ll talk about other programs later and by the time you finish this book I tell you how you’ll at least be able to put on your resume that you have working knowledge of Xactimate and other adjuster software programs. The key here is to just have the word Xactimate on your resume. It’ll help.

The next thing you want to show on the resume is people skills. Although technically your job is to determine cost of repairs for insured damages, really you’re in the people business. And don’t forget it. If you do—your life as an adjuster will be miserable. You need to do all of this in a way that makes everybody happy—as much as possible. You want to show that you’re able to communicate well with others. You’re the face of the insurance company—their representative. They want to know you will represent them well. 

In summary your resume should show that you have knowledge of construction, estimate writing, the word Xactimate, and you’re good with people.  

Go to http://catadjuster.org/  Scroll down and find the heading, Resume hosting, on the right margin. 

It states:

 Adjusters we provide a free resume hosting service.  Just create a free account, login and visit the Roster to add your information and upload your resume.   The Roster is used by many employers to locate adjusters so don't miss out on an opportunity add your name to the National Adjuster Roster.

Jump through the hoops and get your name listed on their roster as a licensed adjuster ready to be deployed. Then turn your ringer up and listen for the phone. While you’re waiting be sure to finish this book, so you’ll know what to do when the phone rings.

Also while you’re at CADO (Cat Adjuster Dot Org.) click on the ‘Classifieds’ tab. It’s located on the top second from the left. Then click on jobs. You’ll notice venders looking for adjusters.

A vender is like an employment agency for adjusters. A carrier is the insurance company. Click on any vender looking for adjusters and send them your resume. You may need to fill out their online application to be officially on their roster. Getting on a roster is simply getting your name on their list of adjusters. Get on as many rosters as you can for starters. Of course, you can’t deploy for more than one vender but until you get your foot in the door and have more work than you can handle—get your name on every roster out there.

You see, a vender wants bragging rights to the carrier. So, the more adjusters they have on their roster the more they can tell the carrier they can handle.  

The carrier (insurance company) can make one phone call to a vender (adjusting company) and say we need a thousand adjusters on the east coast. The vender puts out a deployment request to the adjusters on their roster.

In catastrophes with advance knowledge, like a hurricane, the vender will put adjusters willing to deploy on standby. Which means: be packed, have the truck full of fuel, and if we confirm be ready to roll.  

See, it's not all about being there, it's what you do before to get you there. Know before you go. 



Adjust well, 

Doug

Adjusting, everybody’s got to do it…some do it for a living

Adjusters Life@aol.com


~

DO YOU WANT TO START LIVING YOUR ADJUSTER'S LIFE TODAY, OR KNOW SOMEONE WHO DOES?

The # 1 Best Selling Insurance Adjuster Training is at your fingertips.

Your new life as an Independent Insurance Claims Adjuster is at your fingertips.

* Everything you need to know from resume to payday.
* No sales gimmick or hook.
* Simple words penned with sweat from years of adjusting and one on one training. 
* No need spend time and hundreds of dollars with training and travel.

Adjuster’s Life comes not only with words and examples but a promise to personally assist you for*FREE* as you as you build your Adjuster’s Life.

The Adjuster’s Life thrives in any economy, you can too. Are you ready to see what it’s like to ride through a storm with an adjuster?

What’re you waiting for?

Jump in—let’s roll.
~

Let me know how I can help you live your Adjuster's Life


Oh yeah, one more thing if you've read Adjuster's Life would you mind leaving a great review on  Amazon?…and if you really like us you could LIKE our Adjuster’s Life Facebook Page?


I don’ t know why, but they say it helps…whoever ‘they’ are.


 You might also like:









Thursday, October 29, 2015

How to avoid missing it


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


WANT TO START LIVING YOUR ADJUSTER'S LIFE TODAY?
do you know someone who does? 

The # 1 Best Selling Insurance Adjuster Training is at your fingertips.

Your new life as an Independent Insurance Claims Adjuster is at your fingertips.

* Everything you need to know from resume to payday.
* No sales gimmick or hook.
* Simple words penned with sweat from years of adjusting and one on one training. 
* No need spend time and hundreds of dollars with training and travel.

Adjuster’s Life comes not only with words and examples but a promise to personally assist you for *FREE* as you as you build your Adjuster’s Life.

The Adjuster’s Life thrives in any economy, you can too. Are you ready to see what it’s like to ride through a storm with an adjuster?
What’re you waiting for?
Jump in—let’s roll.




 You might also like:





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