News, insights, and updates from the independent insurance adjuster field.

What is a Roofer?

According to Alan Olson, The Adjuster Guy, “A roofer is a contractor that is hired for a specific piece of the puzzle per se. they may take on more of the loss if it’s a hail claim. They may do gutters and windows and siding and all that too; but they are hired to remove and replace the roof based off the damages being covered under the policy.”

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What is a public adjuster?

A public adjuster is a licensed adjuster just like we are only he only works on behalf of the policyholder. So, essentially, the policyholder has hired the public adjuster to handle the claim on their behalf—could be for multiple valid reasons.

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How beneficial is a ride-along for an adjuster?

The shadowing experience for a new adjuster is called a ride along. It is defined by The Adjuster Guy, Alan Olson, as “an opportunity for a new or inexperienced adjuster to spend time with—what hopefully is—a well seasoned, experienced adjuster to learn trends, traits and processes.”

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What should I have in my CAT kit?

The act of being prepared is essential to every adjuster and their ability to make money. Being a weather-based career, adjusters never know when they will be deployed. Thus, in a sense, adjusters should have already been packed and ready to go yesterday. In this industry, today is already too late. So, what do you need in order to be prepared? You need a CAT kit.

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What are the different ways Independent Adjusters are paid?

An independent adjuster has three options of payments: fee schedule, day-rate or hourly-rate. No matter which way you are paid, you will make money. You should try each different way to be paid to find which way you prefer.

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Documentation—what is it and why is it important?

“Documentation,” as defined by Alan Olson, the founder of the Adjuster Guy, “is the backbone of everything we do in the insurance industry when it comes to handling a claim. Documentation reports—from receiving the claim all the way to the approval of the claim to the payment being issued—everything, every step along the way…the main purpose of the documentation is to provide the insurance carrier with an accurate assessment of damages occured during a loss so that they can properly apply coverage for coverages available, but not apply coverages on specific items that may be excluded from the policy.”

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