Pros: flexabiliy and freedom to develop the most efficient system to close claims quickly
Cons: time away from family, long hours, no control over # of storms
Typical day after arriving at storm site:
Call customers within 24 hrs after claims received, set appointments, determine legal liability and extent of damage to property, review prior losses, assist in the quick resolution of claims by working with policy holders to investigate, evaluate and conclude claims including verification of coverage, assess – more... losses and pay for covered losses within the carrier's policy quidelines. Set 2-4 appointments a day depending on extent of loss, inspect the loss, (roof, exterior elevations/interior, other structures, contents), create an estimate,label pictures, document all activities associated with the claim, call customer to discuss claim when complete, upload all information to carrier for review, confirm appointments for the following day and return all phone calls and email.
A close relationship with management and fellow adjusters is imperitive to maintain productivity and complete claims in a timely manner.
The hardest part of the job is time management due to the volume of claims and scheduling appointments so that as many as possible can be written on site as table tops. Uploading of all claims, labeling pictures, activity notes, reserves, invoices, etc also must be done daily to stay on track and provide good customer service.
The most enjoyable aspects of the job: I love helping people and developing a relationship from the first phone call that conveys to the customer that I am there to help and pay for covered damages in a timely manner. The process is overwhelming especially to elderly customers. I truly enjoy being the face of the carrier that I represent and making the claims process efficient. I also love climbing on roofs. – less