What I've learned as an Insurance Adjuster

If the slope’s just right and the ground is just so, a digital camera can bounce clean over a six foot cedar fence…and the vet bill is $112.92 to retrieve it from St. Bernardo’s gut. 

If the grade is just right and the ladder is just so, you can back it straight through an overhead garage door window…and if Willy Nelson’s singing, “On The Road Again” a little too loud, you won’t even know it until you get out to shake the insured’s hand. 

He’s the guy standing there with his mouth hanging open.

After, scaling to the top of Roof Mount Everest...it's the wrong time to remember, you forgot to change the camera batteries.

Most gutters will catch a runaway tape measure…unless there’s a car hood to land on instead.

A 35’ tape measure puts the exact same dent in the hood of a Dodge Ram as it does in a Rolls Royce…but the fix-it tickets aren’t even close.

After thoroughly inspecting, scoping, measuring and explaining my findings to Mr. Rodriquez… evidently, Kansas City has more than one Mr. Rodriguez and 400 West Franklin Street isn’t the same thing as 400 West Franklin.

Contractors have really, reallllly good eyes, ‘cuz they can see hail damage on shingles from the ground, from way out in the street, in their truck, as they're driving, at thirty miles an hour, in the rain…at night.

On a new roof

Replaced the day before yesterday

From a year old storm

A mile away...

  

The best way to settle a claim is with your ears

Words are powerful. 

Mention the word, insurance, and the cost of a 2 x 4 doubles. Mention the word mold and it triples—throw, public adjuster, into the mix and you’ll be tripping over policy limits.

Eating out gets old

Kids grow up too fast 

But, what I’ve learned most of all…

When it all comes down, when the dollars and cents, brick and mortar and balance sheets are tallied…

When the file you worked on for hours, represents years. 

Years washed out, 

blown up, 

burned down... 

in a moment. 

You realize.

It’s not about the total.

It’s not about the numbers.

It’s not about how many you write

or how quick you close...

It’s about people.

Helping people

One

Claim

At

A

Time  

Adjust well, 

Doug

PS: What have you learned as an insurance claims adjuster?

What claims adjuster training would you like?

  

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

Adjusters Life@aol.com

~

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~

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It’s not for everybody
That’s true
Staying up late
Getting up early
One eye on the weather channel
One hand on the suitcase handle
Always ready to go
Cuz you never know
When or
Where
Or for how long
You just know, you gotta go
Like a cowboy's call to a rodeo
Or a Fireman’s call to smoke

You don’t do it for the money…
Well, some do.
But a real adjuster knows
It’s really more than that.
It’s being there when the smoke clears to offer a ray of hope
Shaking hands
Hugging necks
Saying prayers
With and for
Those who survived
Hurricanes
Floods
Fires
Tornadoes

And all the things they call natural disasters…even though there’s nothing natural about a person’s world being turned upside down.

The unseen destruction above every policy limit, is the stress and worry and fear that blows stronger than any storm that ever blew them in.

It’s more than a paycheck—more than just a job.
It’s a rescue mission.
It’s a people business.

It’s saving the message
From the man who called
Months after the storm—so long you’d all but forgotten.

How you stood in his ram-shackled kitchen

His heart broken beyond what writing an estimate could repair.
Surrounded by color crayon pictures his daughter had drawn
His quivering voice echoed off walls once filled with laughter, back before the storm, back when that broken down house was a home…back before dark clouds settled and sent mother and child running from it all.

You remember how he walked down the hall and tenderly touched the pictures of his wife and daughter.
How he told of spending every Christmas together, in that house.
How he didn’t think he could handle spending one alone.
He said, thanks, when you told him everything would be okay.
He wiped his eyes and couldn’t speak when you told him you’d pray.

And then, months after it all

He called.

He’d saved your number. Remembered your name. The money was spent. The repairs were made.

But that wasn’t the reason for his call.

His voice held that same quiver, but this time it wasn’t sad.

He laughed as he said his wife and daughter were back home and he just wanted to say thanks, because after that day in the kitchen when you offered a kind word, and told him everything would be okay.

It changed his life, his heart, gave him hope.

Because, it could’ve been different.
It wasn’t what he’d planned.

The revolver was loaded and sat in the drawer of the night stand. But you offered more than just help with the restoration of a house—you offered hope for the restoration of a home.

So now, every now and then, when the days get long and the nights get short, and it seems every person in the world has turned to greed. You click through the messages and find the one you need. The smile in your heart returns, and you remember the reason why you do what you do, when you hear that shaky voice say,

“I just want to say thanks Mr. Doug…it’s gonna be a great Christmas after all.”

(first posted at Cat Adjuster Stuff )

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Your new business as an Independent Insurance Adjuster is at your fingertips. Begin now. No need waste time and hundreds of dollars with training and travel. Everything you need to know from resume to payday. No sales gimmick or hook to try and get you to attend an expensive school. Just simple words penned with sweat from years of adjusting and one on one training. Adjuster’s Life comes not only with words and examples but a promise to personally assist you as you build your adjusting career. This business thrives in any economy, and you can too. Do you want to see what it’s like to ride through a storm as an adjuster? Well then, what’re you waiting for? Jump in—let’s roll.

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