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 Posted: Wed Jan 16, 2008 9:58 am Post subject: |
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| Quote: | | question for lori, how can i tell who is independent adjuster and who isn't |
An independent does not work exclusively for one company like, state farm, allstate, etc...instead they work for a company like, GAB, Crawford, Frontier etc, I guess they only way to really know is to ask them who do you work for? If it's the company that pays the bill (actual insuring company) then they are not independent.
| Quote: | | please tell me the difference between an adjuster and an appraiser |
An adjuster can also be an appraiser, an appraiser does just that appraises damage, an adjuster would also investigate claims, coverage etc...not only appraise whatever damage there is.
| Quote: | | do you have to have any kind of certificate to be an appraiser |
no not necessarily. But you would need to know your topic (be it auto damage, carpentry, restoration etc). Some states may require cerification.
| Quote: | | lori i know for a fact this certain adjuster is dirty and get this, he was at that time the president of the ontario insurance adjusters association |
I don't doubt it...Perhaps you could let the steering committee of this organization know about him...be sure you have proof (don't want a slander suit).
I appreciate your passion for truth and fairness...
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Lori
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| Posted: Wed Jan 16, 2008 4:57 pm Post subject: |
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| Quote: | | Hi honestr, as far my knowledge goes appraisers are the evaluators of the property value whereas an adjuster evaluates the worth of damages. |
... and some are both. Most of the larger/national companies split the claim in some way, usually the property damage goes to one person and liability and any injury goes to another. |
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tcope
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| Posted: Wed Jan 16, 2008 5:04 pm Post subject: |
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I'm betting that it's independent property adjusterswho are paid based on the amount of the claim, as this makes sense. The larger the loss, the more work required and the more expertise is needed. But I doubt independent liability/injury adjusters are paid by commission. As an independent, that is what I did... investigated liability and settled GL/auto PD and injuries. This was needed as many companies did not have a presence in Florida and Florida requires an adjuster to have a license to adjust claims. But I'd also negotiate and settle BI claims all the time. That is, the carrier would give me an upper limit and I'd try to settle. If I were paid a commission based on the amount of the settlement, me thinks I'd always settle for top dollar (and I'd have a bigger bank account right now).
(that is what I meant by "doubt"... as an adjuster we know there are two sides to every story  ) |
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tcope
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| Posted: Thu Jan 17, 2008 10:34 am Post subject: |
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| Quote: | | I'm betting that it's independent property adjusterswho are paid based on the amount of the claim, as this makes sense. |
I'm sure that's the case as well..... | Quote: | | that is what I meant by "doubt"... as an adjuster we know there are two sides to every story ) |
Yeah, no harm/foul...I would be surprised, not shocked (about much anymore  ) if ''BI'' independents got commission, | Quote: | | If I were paid a commission based on the amount of the settlement, me thinks I'd always settle for top dollar (and I'd have a bigger bank account right now). |
 , as you say what would your incentive be to settle under the limit the adjuster gave you!
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Lori
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| Posted: Thu Jan 31, 2008 5:52 pm Post subject: This is a crime, so the adjuster can make an extra dime !! |
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My insurance company hired an independent adjuster company to come for my flooded bathroom and kitchen. She came out before the restoration company was finished tearing up the house and is now trying to say that the leak in the wall behind the toilet that caused the flood is a second claim. We haven't yet found out WHY the toilet overflooded and it is expected that something is wrong with the pipes in the wall. This is the SAME wall that the shower in the other bath is connected to, and this wall is or has been wet and is now molding. My house is torn up and nobody can begin repairs until this shower is taken out .. but the adjuster is saying that it needs to be a second claim. I am certain she is doing this to benefit her income even though my home is a mess and torn all apart while my bathroom continues to rot away.
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Criminal Adjuster Buster
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| Posted: Fri May 08, 2009 7:18 pm Post subject: Your topic |
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Honest you should watch what you type before you get slapped with a slander suit.
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anonymous1234567890
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| Posted: Fri May 08, 2009 8:12 pm Post subject: |
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| Quote: | | Honest you should watch what you type before you get slapped with a slander suit. |
I figure anyone who does not know the difference between slander and libel probably does not understand what it is in the first place.
Plus, this thread is 5 months old. |
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tcope
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| Posted: Sat May 09, 2009 10:24 am Post subject: |
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| Quote: | | I figure anyone who does not know the difference between slander and libel probably does not understand what it is in the first place. |
I'm too tired to go into too much detail too...will give anon...one quick pointer...'slander'' is spoken work, ''libel'' is written...and never happen on this (that part I'm too tired to explain).. 
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Lori
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