The Art Of Property Claims Adjusting Techniques On How To Be A Great Adjuster

His common sense approach to sharing techniques on how to make you a great adjuster and providing easy to apply techniques is not seen in most books. After reading this book you will find yourself with many techniques on how to be efficient at what you do, producing great claim files while amazing your customers. His promise to just give key facts will allow anyone to use this book as a reference for years to come. What a refreshing presentation that is geared to truly helping adjusters be great, without having to sift through needless information. Danny lays out a tried and true formula for becoming a great, well rounded adjuster with a fantastic approach to adjusting claims. And Danny does it all in an excellent way that will stay with you long after you finish his book. I highly recommend that all adjusters, from the newest adjuster just entering the property insurance industry to the most experienced adjusters at the tail end of their career, take the time to read and study this outstanding book.

Every profession has its unwritten rules which practitioners learn through on-the-job training. Being a claims adjuster is no different, except that insurers expect the claims department to shoulder more and more duties with less personnel-- leaving little time for training from seasoned adjusters. This is exacerbated by the "brain drain" of the Baby Boomers leaving and no clear educational process for adjusters. The Art of Adjusting: Writing Down the Unwritten Rules of Claims Handling will help the adjuster: Write better reservation of rights letters Handle irate insureds and claimants in a more professional manner Understand how to read an estimate and medical records. Chantal M. Roberts, CPCU, AIC, RPA, is a claims handling, standards, practices, and procedures expert witness with 20-plus years' experience as a multi-lined claims adjuster. In her first book, she attempts to bridge the gap between being a new adjuster and a seasoned hand by offering some of the lessons she learned so that adjusters can get back to doing what they are meant to do: settle claims quickly, proficiently, and economically.

Life as a property & casualty insurance claims adjuster is challenging. That's a fact. But there are also many great benefits that make it a rewarding career. Often the adjuster is focused on the files on their desk instead of the big picture. Is the grass really greener on the other side or could it be that you are overlooking the positives that this career offers? This book will help even the most cynical of adjusters consider new ways of thinking and dealing with stressors (as well as burnout). It is also a great resource for those starting out to get a "behind the scenes" look at what it all entails. You'll find tips to refocus, recharge and stay motivated so that you can continue to excel. With a large percentage of the workforce nearing retirement and the infusion of evolving technology, there are many exciting opportunities on the horizon in the claims world.

What Is an Adjuster?An "adjuster" or "insurance adjuster" is, by statutory definition, a person, co-partnership or corporation who undertakes to ascertain and report the actual loss to the subject-matter of insurance due to the hazard insured against. Insurance companies create, by issuing an insurance policy, a contractual obligation to pay valid claims from those insured. To do so insurers understand that the person insured is not able to prove the cause and extent of loss without assistance. Therefore, insurers dispatch a person with special knowledge - the adjuster - to separate fact from fiction, to establish cause and origin of the claimed loss, and determine sufficient information to enable the insurance company to determine the amounts necessary to indemnify the insured as the policy promised. The adjuster is also present to distinguish the valid claim from a claim for which the insurance company is not liable under its policy, whether due to the terms and conditions of the policy or because of attempted fraud. Some policies, like those issued under the National Flood Insurance Program Act (NFPA) specifically state that the claimant must use his own judgment in estimating the amount of loss and that the assistance of an insurance adjuster is a "courtesy only." The insured must still send a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help the insured complete it. Most insurance policies issued by commercial - non government supported - insurers accept substantial compliance with the policy conditions and require their adjusters to assist the insureds to fulfill the conditions.The insurance adjuster is seldom, if ever, mentioned in a policy of insurance. The strict wording of the first party property policy sets the obligation to investigate and prove a claim on the insured. In order to fulfill the covenant of good faith and fair dealing insurers created the insurance adjuster to fulfill its obligation to deal fairly and in good faith with the insured. The adjuster was created to assist the insured to comply with the material conditions of the policy, to thoroughly investigate the policy and the claim, and to protect the interest of the insurer and protect against claims that were not due to a peril insured against or were false and fraudulent.

Property insurance protects against most risks to property, such as fire, theft, and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways--open perils and named perils. When those things happen, the adjuster's job is anything but boring.

This is the best book you can own on the strategies YOU need to use to get the insurance companies to pay you ALL the money you are entitled to collect when you have a claim. Wouldn't you agree that nothing else matters about insurance other than getting the claim PAID IN FULL? In this book, you will learn: &ndash The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible &ndash When it's the right time to use an attorney &ndash How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU &ndash What a Public Adjuster is, and the valuable help you can get from Public Adjusters &ndash That the insurance adjuster is NOT there to help you &ndash and much more You will learn: &ndash What to do when you have a car accident...BEFORE you open the car door or talk to anyone &ndash How much MORE money I collected (thousands!) in the two little claims I had while writing this book &ndash About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don't fight &ndash About cheap aftermarket auto parts that insurance companies LOVE, but leave you less safe &ndash And so much more Ask yourself these questions: Do you carry a spare tire and jumper cables in the trunk of your car? Do you have a toolbox at home? Have you ever bought a book or read an article that showed you how to fix something? Do you own a first aid kit? Do you have a fire extinguisher or smoke alarms in your home? Why would you do ANY of those things? Answer: So you are prepared BEFORE something bad happens. READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU!!! READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU, TO KEEP IT FROM GETTING WORSE! This book should be on the shelf in EVERY HOME. This book should be in EVERY automobile glove box.

Congratulations on your decision to gain the skills that will enable you to become a top insurance claims adjuster. The position of an insurance adjuster requires attention to detail, critical thinking skills, exceptional judgment, decision-making capability, and an understanding of your responsibility to both the homeowner and the insurance company. As a property claims adjuster, you will apply the knowledge, tools, and skills necessary to ensure that property claims settlements are processed speedily and that settlement is fair to all parties. You will assist people in navigating the many responsibilities relating to a personal property claim while providing the support necessary to assist the insured in recovering from a difficult period in their lives. The professionalism you will bring to the field helps to ensure that the insurer is protected from false, expanded, and fraudulent claims. Positions within the field of insurance claims are stable, challenging, and present an exceptional opportunity for personal and career growth. Individuals and business owners purchase insurance to help protect them against losses that may occur due to events beyond their control. When a loss occurs, the policyholder will seek monetary assistance from the insurance company that has issued a policy that protects their home or business. When a loss occurs, the insurance claims adjuster's primary duties are to investigate and evaluate each element of the claim, negotiate claim payment settlements and ensure that the claim process is closed in a manner that is fair and just for all parties. This course provides the fundamental knowledge, tools, and skills that you need to start on the path to adjusting career success.

A Primer for the First Party Property AdjusterThe insurance adjuster is seldom, if ever, mentioned in a policy of insurance. The strict wording of the first party property policy sets the obligation to investigate and prove a claim on the insured. Standard first party property insurance policies, based upon the more than a century old New York Standard Fire Insurance policy, contain conditions that require the insured to, within sixty days of the loss, submit a sworn proof of loss to prove to the insurer the facts and amount of loss. In general, failure to file the proof within the time limited by the policy is fatal to an action upon it (White v. Home Mutual Ins. Co., 128 Cal. 131, 60 P. 666 (1900); Beasley v. Pacific Indem. Co., 200 Cal.App.2d 207, 19 Cal.Rptr. 299 (Cal. App. 1962). The California Supreme Court in 1900, when it decided White v. Home Mutual concluded that the requirement of proof of loss by the insured within the 60-day limit provided by the standard form of policy is a condition precedent to the right of the insured to maintain suit.