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Multiple Peril Insurance Act of 2007 - HR 920
Profession or Commodity
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Would you like a Blog?
Recent Comments
Re: Would you like a Blog?
Tom, A sample file would be very good training for some of the new people as well as some who have not had their work product reviewed over a long time span for advanment.
Re: Would you like a Blog?
Tom,

I believe a blog of this type would be useful. If you have an account for the new CADO you can create a blog. Most other industries have blogs and I would like to see us (CADO) move towards blogs. It's like writing a article. The comments can lead you to determine what should or should not be included in the next blog entry.
Re: Would you like a Blog?
Just curious if a blog that may provide feedback from someone who has been an independent and staff could be useful to some for feedback regarding file quality.

I would volunteer to have this blog, if others thought it would be useful.
Re: Profession or Commodity
Comment posted Katadj on 8/13/2006 @ 6:51 PM



Roy,


The CADO website has become the premier location for the entire world to visit. This is because you have brought CADO to the forefront of the insurance adjusting world.

It is indeed unfortunate that, while we , as our own group, do vent occassionally, as any one in a high stress position might, (an EMT, trama room employee, police officer, etc.) the public at large may not perceive our bantering, retoric or chastizement as venting. Rather, they may look at us in a very unfavorable manner.

It is extremely important that any adjuster who would be involved in a claim which required an inspection be aware of the fact that they represent the carrier, (Insurance Company)

One would not drive up to a loss in a vechile that belongs on a war ridden street in Beruit, nor would they dress as if the had slept in their clothing, nor would they have an odor, or speak as would a first grade drop-out, mumbleing and not looking the insured in the eye as they announced that they were their adjuster. What kind of representation, as a professional, does that conotate?

A few years ago, at the Oklahoma City Tornados, a group of "adjusters" gathered in the basement of a church, in the evening, to receive their IA firms directives. Im looking arould, there were less than 5 that I personally would allow in my home, based on their appearance, language and demeanor.

With all of the changes being made in our industry, including the outsourcing of claims, the call center settlement operations and other such concepts that lower the costs of the carrier, as opposed to the field adjuster, it is imperative that we make the approprite adjustments to our profession, or we shall witness the total and permanent demise of the work we do.

It is up to us , to make these changs, to acquire and implement the credentials of a professional adjuster.

It is imperative that these actions be taken immediately, for the longer the public perceives us as a money hungry group of neer-do-wells, who dont know what an adjuster is, except to spell the work, (sometimes correctly), the shorter our professional lives have to live.

CADO, has the opportunity to be the answer to the problem.

It is possible to set up training programs, dress code requirements, speach, telephone manners and policy knowledge, and many of the other items which are required to affirm that we are , in fact, professionals.

There will always be the need for GA"s and EGA's in the commercial field, but 90% of all of the field work on residential and smaller commercial work falls to the presently perceived "adjuster."

A group of trainned professionals, who meet all of the requirements, and have attained the goals set by CADO, could make many of the changes presently necesary as well as change the course of our profession.

To do NOTHING, is the worst possible solution to any problem.
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By Roy on 3/23/2011 10:13 AM

Highlights from the Bill

Deadline for Filing Claim: (1)require an insured to file a claim under the policy not later than the first anniversary of the date on which the damage or loss that is the basis of the claim occurs; The commissioner, on a showing of good cause by a person insured under this chapter, may extend the one-year period described by Subsection (a)(1) for a period not to exceed 90 days.

The association may not pay or settle a claim described by Subsection (a) unless the person filing the claim provides evidence satisfactory to the association that, on the date of the loss that is the basis of the claim, the property insured under the association policy was also covered by a flood insurance policy in the amount required for issuance or renewal of the association policy under Section 2210.203(a-1).
 
Not later than the 30th day after the date a person insured under this chapter files a claim with the association, the association shall provide the person notice of whether the claim is accepted or denied and, if the claim is accepted, a written appraisal of the damage to the insured property

 

By Roy on 7/12/2008 5:56 PM

In this quick tip we cover issues related to Overhead & Profit (O&P) that you may encounter in the field.  Some clients may request that you handle O&P in a different way then what your current default settings allow.  In those cases you may only wish to change the settings on a selected file instead of changing your system setup. 

By Roy on 10/2/2007 8:26 AM
CADO has now been online for 12 years.  We first went online in 1995 and based on this CNN article we were one of around 18,000 websites at that  time and I believe the only website devoted to Cat Adjusting.  The same CNN article also stated that there were around 100, 000,000 websites in October of 2006.  When the site was first started it was called "The Disaster Page, A Catastrophe Adjuster's Home Page", we did not get the domain name CatAdjuster.org until 1997.  Our industry as well as CADO has seen many changes since we first hit the web.  You follow some of the changes by visiting the internet archive,  http://web.archive.org/web/*/http://catadjuster.org who started saving CADO pages in 1998,  here is a link to the May of 1998 CADO home page.

I want to thank all...
By Roy on 8/27/2007 9:52 AM

As a group of Adjusters we have the unique opportunity to have hundreds of people in hundreds of different locations though out the nation.  Based on this I have placed missing children alerts through-out the site.  And since we spend a lot of our time while on assignments in neighborhoods making inspections let's keep an eye out for these children. If you see something that just does not appear to be right, then check the list.

http://www.missingkids.com/

By Roy on 8/27/2007 9:37 AM
Comments about the updates to the CADO site.
By Roy on 7/19/2007 8:51 AM
To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes.
By Roy on 6/8/2007 7:52 PM
Have you ever seen an estimate tree in Xactimate where the roof section is listed as Roof1, Roof2, Roof3 and so on? Well in most cases this occurs when the estimate writer uses the "roof icon" or the f key to add the extensions to the main roof diagram in Sketch, when a better option would be to use the "Square Break" tool to add extensions to the roof.
By Roy on 6/8/2007 7:52 PM
Note: I moved this post and the comments from the feedback forum. It was posted to go with the current Poll at that time. I have since removed that forum.

I recently attended a meeting in which a guest speaker spoke about Cat Adjusters as a commodity instead of a profession.  Have we become a commodity? Here are the definitions from Wikipedia.org, http://en.wikipedia.org ProfessionA profession is an occupation that requires extensive training and the study and mastery of specialized knowledge, and usually has a professional association, ethical code and process of certification or licensing.CommodityIn the world of business, a commodity is an undifferentiated product whose value arises from the owner's right to sell rather than the right to use. What do you think is Cat Adjusting a Commodity or a profession?Do we as a group meet the definition of a Profesion? I believe I would rather be part of a profession and not a commodity.  Let's break this...
By Roy on 6/8/2007 7:52 PM

Over the years we have seen many efforts to form an association here on CADO. Well, I'm not sold on the need for an association, there are several reason for this and I plan to explain them in detail below.  One reason is because in a way I see CADO as an association already, web based maybe but still an association and a voice for our community. Of course I realize this may seem bias because I'm the founder, owner and webmaster for CADO.  But I hope in the end that you see this as more than a bias opinion.

more to come...

By Roy on 6/8/2007 7:52 PM

CADO is offering blogs to visitors that wish to contribute to the community via an open blog.  So if you believe you have a way with writing and would like your own blog drop me a note.

Thanks, Roy

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