it is imperative to ask the right questions.
When hiring independent insurance adjusters, the employer should explore the
Diverse Set of Challenges
Can they think on their feet?
E Do they have the right combination of
confidence and empathy to work with
the insured, who may be upset, frightened, or displaced because of a loss?
E Are they able to succinctly explain and
document loss details? Do they understand how to preserve evidence?
E Do they have the ability to problem-solve? Are they respectful? Do they
possess prudent logic and judgment?
E Are they able to climb a roof, trudge in
water, and correctly evaluate the loss?
Catastrophe adjusters often lament the feast-or-famine flow of work, and with good reason.
however, the accurate handling and swift resolution of claims in the face of natural and
manmade disasters is a challenge adjusters regularly meet with aplomb. however, some are
unprepared for a different type of disaster: a drought of claims-generating activity.
a profession marred in uncertainty is not for everyone, and demands a level of fiscal
discipline. It also requires a mastery of self-promotion to some extent. During lulls in claims
activity, for instance, many owners of independent firms focus efforts on branding, networking
and education. Other challenges that come with the territory are:
E Managing personal life with work
E Emotional stress and volatility
E Emerging legal exposures
E Time management
E Rising cost of doing business
timing Is Everything
A second issue affecting independent
adjusters today is our cultural propen-
sity to expect instant results. Claims
handling has long since evolved from
the landline telephone, typewriter, and
fax to cellphones, text/instant messag-
ing, email, and the intranet. Typically
when a loss has occurred, the insured
notifies his or her retail insurance agent.
The agent, in turn, submits a loss notice
to the carrier.