When submitting an insurance claim, the adjuster will ask that you It claims to help you get back to normal. But have you ever wondered what the experience is like from the other side?Bankrate is a claims assistant at New York-based HUB International insurance brokerage, his vice president, his Scott We asked Mr. Congiusti to give us a behind-the-scenes look at the life of Creme's adjusters.
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- 1 Compare car insurance rates
- 2 Car insurance premium comparison
- 3 Being a cop has a lot in common
- 4 Every day is hotline starts with
- 5 Adjuster style is It depends on the type of insurance
- 6 Everybody owns a car
- 7 The less complaints, the more attractive
- 8 The only complaint the adjuster cannot fix
- 9 What is the most difficult part of being an adjuster?
- 10 FAQ
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Understanding the process an adjuster goes through to resolve your claim It helps prepare for a loss experience. It may be better to be able to provide the adjuster with the information and documentation necessary to move the case forward. The insights Congiusti shares may also help forestall misunderstandings.
Being a cop has a lot in common
While working as a police officer in New Jersey, I broke my back in an off-duty accident. While he was recovering, I started looking at what I could do in the private sector and got a job handling car claims for Allstate. It was a good mental fit because I like to figure things out and work best under high stress.A mundane sedentary job drives me crazy. Oddly enough, many claims adjusters have degrees in criminal justice. Maybe I just hate shift work and carrying a gun.
Every day is hotline starts with
You come in every day and have a list of auto claims assigned to you from your insurance company's 24-hour hotline. If I was lucky I would have had two or three, but usually more. Still, I was able to get more information from the hotline than from law enforcement when someone called and said, “There's a battle going on.”
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Camera required, other gear optional
The absolute most important tool for a claims adjuster is a digital camera, mobile phone, or tablet for taking pictures. You'll also need a long tape measure and possibly a moisture meter to detect pooling water behind walls and under floors. In the event of a disaster, you'll need protective gear and a ladder in case you have to climb onto your roof. Also, regardless of technology, I carry a notepad with me. Depending on where you are, it may not always be practical to carry a $2,000 tablet.
Adjuster style is It depends on the type of insurance
There is a distinct difference between working for a publicly traded insurance company where you own shares and working for a mutual insurance company where the company is owned by the policyholder. Equity-owned companies are typically larger and have thousands of assessors on site, so the process is a bit more black and white. Mutuals tend to be a bit more flexible as policyholders are also shareholders. I'm not going to say which one is better or worse. Both reach the same place, but at slightly different angles.
Everybody owns a car
How do our customers perceive us? You usually respond to their calls for help. Car insurance claims are quicker as they may require a quote from a rental car or auto repair shop, but someone's home is very personal. But at the end of the day, you are seen in this positive light as someone trying to make life good again.
The less complaints, the more attractive
The least frequent claims are probably the most interesting, simply because they are different. But they tend to be the most difficult because they are also the most confusing for policyholders. For example, house fires are extremely rare. Claims for damages for burnt down houses are rare. They are so tragic and so personal. It's probably the hardest to deal with on the homeowner's side, as there are a lot of emotions involved.
The only complaint the adjuster cannot fix
On the automotive side, the absolute worst claim is fatalities. I have dealt with quite a few of them. There is nothing you can say or do to improve it. You can pay out a $10 million insurance policy, buy a new car, build a new house, but you can never replace someone who has died. You can never fix it and it often leaves you with the feeling that you didn't do enough. contents-category=”toughest” aria-hidden=”true”>
What is the most difficult part of being an adjuster?
What is the most difficult part of my job? It's easy. For his last eight years of my career, my cell phone was only turned off when my two children were born and when I was on a plane. Otherwise it is either silent or on. My wife would often watch my phone ring at 2am or she at 3am and I would wake up and go get my laptop. It seems to be repeated every year on Christmas Eve.
I am used to it now. my family is used to it. But for someone coming from a typical 9-5 job, it can be very difficult to adjust.The trade-off for me is not working shifts anymore. It is much better for him to be woken up for half an hour at 2am than to work from midnight to 8am and try to sleep while others are outside enjoying the sun. How an assessor approaches loss helps manage expectations for the process. Every claim is different, but there are some steps you can take to make the process as efficient as possible:
- Keep in touch: Often there will be more than one adjuster at once. to process your bill. If you receive a phone call, voicemail, e-mail, or mailed letter from an adjuster, responding promptly can help your claim proceed more quickly.
- Ask questions: Always ask questions when something is unclear. Adjusters are usually ready and willing to answer your questions, so you can feel comfortable handling your claim and getting information along the way.
- Keep records Leave:Having receipts, photos, quotes from contractors, and other important documents on hand to send to the assessor makes it easier for everyone.
Our adjusters know that dealing with injury can be stressful and that helping you get back to normal is their primary responsibility and goal. Asking questions and keeping detailed records will help the claim process go as quickly and smoothly as possible. Being patient and kind will make the process easier for you and the assessor assigned to your claim, especially when there is a large loss.
- Can I choose a claim adjuster?
Your ability to choose a claims adjuster depends on how you approach your loss situation. When you submit a claim to an insurance company, a company adjuster is usually assigned to the case. In some cases, you may be able to request a second opinion from another firm's adjuster or manager, or you may choose to hire your own adjuster, called a public adjuster. Public adjusters are not employed by insurance companies and third parties who are used to settle claims on behalf of policyholders, but usually you are responsible for paying the costs associated with their work on claims. is in Also note that the adjusters may change in some circumstances, such as widespread hurricane damage, as the company is dealing with multiple losses.
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What is the difference between a public claims adjuster and an independent claims adjuster?
It is important to understand that there are three main types of claim adjusters. Firm adjusters, public adjusters, and independent adjusters. A company adjuster is hired by an insurance company to work on behalf of the insurance company to resolve claims submitted by policyholders. Public adjusters are licensed to work independently on behalf of policyholders and are not employees of insurance companies. Independent insurance adjusters, on the other hand, fall somewhere in between. Like company adjusters, independent adjusters work on behalf of the insurance company, but unlike company adjusters, they are not employees of the company. They are hired on a contract or as-needed basis and usually when an insurance company needs more adjusters temporarily, such as when the company is processing a large number of claims after a catastrophic storm. used in case
- Can I choose a claim adjuster?