Introduction
Storms can cause widespread damage, leaving homeowners struggling to recover. Insurance adjusters play a critical role in helping homeowners get the compensation they need to rebuild. If you are new to the field of insurance adjusting, or looking to brush up on your skills, then you need to attend a storm orientation. This fast-paced on-site training will arm you with what you need to know about handling storm-specific claims.
This blog post will provide you with an overview of what to expect at storm orientation. We will discuss the different types of storm-related claims, the importance of objectivity and impartiality, and the ethical considerations that adjusters must keep in mind. We will also provide you with some tips for succeeding in storm orientation. By following these tips, you can make the most of your training and be prepared to handle storm-related claims confidently.
What to Expect at Storm Orientation
Company Protocol
At the storm orientation, new adjusters will delve into the company’s comprehensive protocol for efficiently handling claims. This encompasses many aspects, such as understanding strict deadlines for claims submissions, adhering to meticulous documentation requirements, and ensuring effective communication with insured individuals. Moreover, this session will provide insights into the company’s specialized policies, procedures, and claim management systems.
The Art of Applying the Policy
New adjusters will have the opportunity to attend specialized training classes that will aid them in comprehending policies, endorsements, and local building regulations, in addition to learning the company’s general protocol. They will learn vital techniques for precisely calculating depreciation, proficiently assessing storm damage to homes, detached structures, and contents, and navigating through complicated situations like mitigation, additional living expenses, and liability.
Additional Help
Many carriers and adjusting firms have made it easier for adjusters to handle claims by providing access to physical and virtual help rooms. These rooms are staffed by experienced professionals who offer valuable assistance with handling various claims. In addition, they provide resources to help adjusters set up and connect with digital claims tools such as Xactimate, Xactanalysis, FileTrac, Symbility, and other essential programs. With the help of these tools and expert guidance, adjusters can streamline their work and provide faster and more accurate claim processing for their clients.
Different Types of Storm-Related Claims
The role of a storm adjuster encompasses various types of claims, each requiring a unique approach and expertise. New adjusters can expect to handle the following types of storm-related claims:
- Wind: One of the most frequent causes of damage during a storm is wind. When wind damages a home, it can often impact various areas, such as the roof, siding, and windows. When severe enough, it could create an opening for water causing interior damage. Falling trees are also a typical result of wind damage, which can pose a significant risk to property and even disrupt power services.
- Hail: Hail is a common type of storm damage that can cause harm to roofs, siding, overhead doors, pool equipment, and fencing. It may also break windows and other glass surfaces.
- Fire: Fires can arise from various sources, including lightning strikes, downed power lines, and other factors. They are capable of causing immense damage to residential properties and even entire communities.
- Flood: Flooding significantly threatens homes, businesses, and infrastructure. The consequences of this natural disaster can be catastrophic and have a lasting impact.
Adjusters need to know the various forms of storm-related damage and how to evaluate them. Additionally, they should possess practical communication skills when interacting with homeowners, agents, and contractors. With the right mindset and abilities, adjusters can significantly aid in restoration for those affected by storm damage.
The Importance of Objectivity and Impartiality
During the claims process, adjusters are required to maintain objectivity and impartiality as a standard practice. Even if they have personal feelings or biases, new adjusters must make fair and consistent decisions to provide equal and just resolutions to the insured individuals and businesses they serve.
Navigating Ethical Considerations
In the claims-adjusting profession, ethics hold significant importance. New adjusters are reminded of the crucial role of honesty and truthfulness when interacting with homeowners during orientation. Moreover, they are trained to maintain strict confidentiality while handling sensitive information.
Challenges Faced by Insurance Adjusters
Being a storm adjuster is a challenging job that requires dealing with various physical and emotional obstacles. New adjusters should be prepared to work long hours in demanding conditions. Additionally, they may come across emotionally charged individuals struggling to come to terms with the aftermath of a destructive storm.
The Rewards of Being an Insurance Adjuster
Although it may come with difficulties, being a storm adjuster is fulfilling. Helping those affected by storms in their journey to recovery and ensuring they receive proper compensation can significantly and positively impact their lives.
Conclusion
When arriving at a storm site, it’s important to begin with storm orientation. This gives new adjusters essential insights into the company’s protocols and requirements and is a foundation for those entering the field and the profession. By actively participating, engaging, and seeking clarity during orientation, new adjusters can equip themselves for success.
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