Day in the Life--Part 2 --Claims Adjuster
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- čas přidán 8. 07. 2024
- What does a Claims Adjuster day look like?
Day in the Life--Part 2 --Claims Adjuster
0:00 Intro
1:17 Take Front of Risk Photo
1:34 Garage, Screen, and Flashing hail inspection
2:08 Gutter hail inspection
2:42 Landscape Lighting hail inspection
2:50 Gutter downspout hail inspection
3:15 Siding hail inspection
3:30 Foundation Foam hail inspection
3:49 Card-7 ways to get deployed • Insurance Adjuster Dep...
4:44 Patio screen hail inspection
5:19 A/C condenser hail inspection
6:32 What tools does an adjuster need?
8:41 Climbing the roof--Roof Hail Inspection
10:21 First Step, shingle gauge, pitch gauge, layers
11:18 Chalk your gutters
12:30 Flashing hail inspection
13:43 Stepping on the roof, off your ladder
16:11 Card--5 things to avoid as an adjuster • 5 things to avoid as a...
21:46 Enjoy your view
22:54 Getting off the roof
23:26 After the inspection
23:34 Card-So you want to be an adjuster • So, you want to be an ...
28:10 Card---Free Xactimate Training • Xactimate X1-Free Adju...
#adjuster #dayinthelife #insurance
How to succeed as an Adjuster (Do This!!)
I explain what you need to do on the inspection, what tools you need to complete an inspection, and tips and strategies to succeed as an adjuster.
My name is Daniel Brant and I am an claims adjuster.
Follow my journey as I explain how to succeed as an adjuster and learn something along the way.
I have included links below for the equipment that I use on my inspections, the tools of the trade, and how to use them.
Stay tuned for detailed tips and tricks on how to succeed in this lucrative career as a self-employed independent insurance adjuster.
Have you ever wanted to learn how to be an insurance adjuster?
Ever dreamed of being self-employed?
Wish you could make more money?
Tired of your dead-end job?
This channel is dedicated to those who wished they knew more about insurance adjusting but just did not know where to start. I plan on explaining my experience as an adjuster, how I got started, how I grew my business into well over a 6-figure income, and all the information you need to know to become one yourself. Follow me on my journey as I explain all I know to you.
There is never a dumb question....leave me your thoughts in the comments.
Follow me on:
Twitter / adjuster2help
Instagram / clearskydroneimagery
MeWe mewe.com/i/clearskydrone
Website clearskydroneimagery.com/
CZcams Channel / danieltheadjusterclear...
Join my Discord / discord
If you missed the first video of the series the link is below.
• How to be an Insurance...
If you missed the second video of the series the link is below.
• What is a Claims Adjus...
The tools I use on the inspections:
Best Rechargeable Flashlight
amzn.to/3OBTrke
Dr.Meter--Pinless Wood Moisture Meter amzn.to/3932LOF
Leica DISTO D2 Laser Measure amzn.to/3MedX8s
FLIR ONE Pro - iOS - Thermal Camera amzn.to/3MkNJ4A
Stanley 30-Foot- FatMax Measuring Tape amzn.to/3mbvGmK
STANLEY FATMAX Tape Measure, 100-Foot amzn.to/3wX3l8o
DEWALT Deluxe Carpenter's Combo Apron, 16 Pocket amzn.to/3McHj7o
DJI Mavic Air 2 Fly More Combo - Drone Quadcopter amzn.to/3td5gEN
144 Pack 18 Colors Jumbo Sidewalk Chalk Set amzn.to/3tbZu6A
Black Diamond Big Gun Harness amzn.to/3NTLwhl
Black Diamond 9.9mm Climbing Rope-30' amzn.to/3x6NOTA
Black Diamond 9.9mm Climbing Rope-192' amzn.to/3yanngo
Black Diamond Index Ascender, Right, Anthracite amzn.to/3NPuMIm
Werner MT-22 telescoping-ladders, 22-Foot amzn.to/3NgVbin
Weaver Leather Throw Line Storage Bag amzn.to/3NO2I86
Haag 4/09 Shingle Gauge amzn.to/3ze5WO4
Sony DSC-WX80/B 16.2 MP Digital Camera amzn.to/399Jf2S
Johnson Level & Tool 750 Pitch and Slope Locator amzn.to/3zdOx8h
Leatherman, Wingman Multitool amzn.to/3avZGa5
Cougar Paws Climbing Boots amzn.to/3x733Mv
Hope you like the second part---here to help---Thanks for watching
Funny thing is I get nervous watching this video, it gives me vertigo.
I dont know how you do it.
Are accidents common in your line of work, namely falling off of roofs?
Daniel, you're awesome! I'm in the process of getting a job, GOD willing as a property claims adjuster for a certain company in ID. You showing us this is exactly what I wanted to see and looks fun!
Thank you so much!
Thanks for watching
Glad I could help !
Way more info than needed for an insurance claim.
Thanks, I like to be thorough
David I always enjoy your amazing videos. Thanks for being a positive teacher and example for newer adjusters to follow.
Michael, thank you so much. I appreciate the compliment.
I’m currently a LA thinking of getting my IA, love the fact you brought up to enjoy the view, even when it’s hot and muggy, those views just have to be taken in when they’re given, best part of the job!
Yes, I just love being on top of the roof and looking around. My favorite part! I especially like when the house is on top of a crest of a hill or near water, or a golf course. Such a great view!!
I love being on roofs, some of the most beautiful views our Lord has created for us. Every roof I get on especially in a new city and state it's a must to take photos for my records
That is so true. I feel that way as well. Just a chance to enjoy the beauty that God has created.
I loved this video! I am contemplating becoming an adjuster I was wondering how it would be like to be on the roof. It looked a little scary! You did a great job documenting it all. I felt like I was there in person learning from you.
@thekemizumishow223 I am so glad that it was helpful. I was a bit scared at first when I first started climbing, but I used all the safety gear, until I was comfortable climbing freely. It all comes with time.
I got vertigo just watching this video.
You got to be pretty physically fit for this job.
This video was so helpful. I recently accepted an offer letter from Farmers Insurance as a Field Property Adjuster and im soooo excited! Thank you
Awesome! So happy for you!! glad to help.
Thanks, Daniel. I'd ask a question, but you seem to be answering all of them before I can think them up. Your content is excellent. Please keep 'em coming.
Ha ha ha that’s funny. Thanks so much for your comment.
What a great way to demystify the process! I'm a hands on kind of learner. Threw myself into construction and literally taught myself with resources just like this. I've been a carpenter/remodeler for a decade, but I'm hangin' up the hammer and looking at the industry from a different perspective. Brand new to the adjusting side of it, but with my background I'm picking up on it. Studying for the All-Lines test at the moment and exploring the industry like a sponge! Thank you for your easy to follow teaching style!
Wow, totally awesome! Welcome to the industry. It is very rewarding. I left the construction business of 18 years, best thing I ever did.
Thanks Daniel, I love that you are a man of faith. That CERTIFIES YOU. I am a 63 yr old. former homebuilder, home inspector and now a future cat adjuster. I will need you.
Very good! Glad you are watching. Thanks for your comment!!!
Thank you for this, super helpful!
Subbed 👍
Anytime!!
Thank you Daniel!!
You are welcome!!
Thank you, DTA!
I love your concrete, on-the-job trainings.
Thank you so much for your feedback
Very helpful thank you very much
You are welcome!!
This was a great video
@Culturaleatz Thanks so much for your feedback.
Bravo
Thx
perfect video, ive been looking for a day in the life just like this to see how about doing inspections and the order/things to look for. Thank you for this!
You’re welcome Alex. Thanks for watching.
Good info..
Thank you
Thank you for being a person of character and honor ! You came with the home in your mind ! You do not bring anything personal into your job ! So many adjusters judge home owners or the property as well as the contractor and it’s never a fair shake ! Your quick and easy , finding and collecting obvious evidence ! Hope to meet adjusters like you in the future brother god bless !
Thank you very much Thomas. Very kind comments. Hope to meet you all in the future as well.
Great video. I cant help but notice that all the houses are exactly the same😳
Thanks and welcome to cookie cutter ally. Building today has changed into track (trash) houses and yes about every third house is the same. haha
Im about to throw my hat in the game. Im scared as fuzz....but has that EVER stopped me?! NOPE!!! Thanks Daniel
So cool
You won’t be disappointed!!
As a new adjuster very helpful thanks!
You're welcome!
I love your videos, learning a lot from you. I am a new adjuster, have completed two deployments, for Allstate in Houston, Texas Freeze, and for SF for Ida in Philadelphia. Waiting for another deployment.
Fantastic! Keep it up. Thanks for watching!!
Thank you so much this video help with my decision of taking the leap to become an IA
I’m so glad, thanks for watching
Thank you for sharing! I just interviewed for a position and I'm excited and very interested
This is great news
If you can avoid a double pull by taking your ladder to the back elevation I would do it. Great video!!
Good idea, but most of the time the reason I do a double pull is because I don't carry an extension ladder to get up to the second level. 99% of the roofs can be accessed with two ladders.
Check out my new Discord Adjuster Community--brand new!!--great place to chat about adjuster stuff--discord.gg/5zkQ7bwEUm
Hey Daniel, thanks for all these video's. can you tell us what size was your second ladder for the double pull?
You’re welcome, and thanks for watching. It’s a little giant, I think it extends close to 10’, but I think closer to 9’
Hey Daniel! Great content and thank you for giving us a POV of your daily duties 🙏. I have an interview with a "specific company" as a Claims Adjuster in the coming days. Wish me luck! 🤞
Thanks for your comment and good luck with this great opportunity!!
Are you a claims adjuster now and how is it going?
@shaft5 Yes, I am. It has been a slow year. But otherwise very good.
Are you to note all damage found and the insurance company decides if it was from the event? Or do you make that determination and list only what you feel was from the event? Love the videos!
Good question Tony. When we write a report, we are giving our opinion of what we see is damaged. No one can argue about your opinion as long as you have enough information in the file report to explain your reasoning. The insurance company has guidelines, like roof repair tolerances, that you will be made aware of for each insurance company. Meaning how many hail hits per square, How many wind damage shingles per slope, etc. For interior damage, you write for the damaged area and replace it with the same material. For flooring products, normally anything over three or four years old, I write to replace, because matching would be very difficult. Each scenario is different, but the insurance company cannot negate what you have put in your report or estimate , if you have facts to back it up. Good pictures go along way.
Awesome video, thank you! Big take away for me, is on a roof slope you put H=10 + you mean I don't have to count every hail hit? time saver!
Exactly...all they care about is significant hail damage. We will give them this.
Thank you for your videos, they provide a wealth of useful information! I am new to adjusting and I have some questions from this video, 1) rather than use 2 ladders would you ever use one ladder to access the front roof then access the upper level roof from the rear of the house? Using 2 ladders seems less safe to me with hauling it up and down and placing it on the roof. 2) are people filing a claim for small dings to comp shingles from hail? Would the insurance company replace the shingles for what looks like minor damage? 3) are there roofing materials you don't walk on such as clay tiles? 4) Are there field adjusters that don't access roofs or is it a requirement? Thank you for all your information!
@p.davidrij8319 Thanks for your questions. Appreciate your compliments!
1. You can use whatever ladders make you feel comfortable. There is no right way or wrong way to access the roof.
2. Yes, it is common to see damage of all sizes. Even with the small damages, if there was a hail event recorded on that date, we can argue that the shingle was compromised due to the event. It is best for larger hail events of course.
3. Yes, we are not required to walk on clay tiles because we can break them. We inspect those from the gutter line in several places around the home. Also, cedar shakes can be a sketchy climb as well. Use your judgment on that type.
4. Field adjusters who don't feel comfortable climbing roofs can be flood adjusters or interior water damage adjusters. It will limit the number of claims that you can handle, but sure, it is possible to skip the roofs. I like climbing roofs since most CAT work is roofing claims.
Thank you for taking the time and making these videos. So Awesome. THANK YOU. I am totally new to this process. I still need to do a claim but have been working hard at learning the business and process.. I am working on xactimate now and working at the macro situation. Would you provide any macros to the new guy? Not sure your location but I would even be interested in a ride along just so I could build confident. Not sure the state your in but I bounce from Minnesota and Missouri
Thank you so much for watching and you are welcome. I sell my macros for $49 and I think there’s about 450 of them that will certainly help you write estimates easier than you could ever imagine. I am located in Raleigh North Carolina and currently I’m not doing any ride alongs.
Keep watching, and you will definitely learn. My goal is to teach everyone.
@@danieltheadjuster Thank you so much for the response! I will keep in touch when I am ready to get them Macros. I am learning more and more how important they are. One has to develop their own, but me personally need a base to start with and you are a about the only person I feel I can trust. You are doing the right thing. Thank you!
Thank you so much for the comment. Macros are a must. I appreciate you watching.
Daniel, this information is great, thank you for this. I am looking very strongly about getting into this field. Any more direction would be great. Question, when you go out of town, where do you usually stay?
I stay at the residence inn. They have everything I need.
I try to stay at EXTENDED STAY MOTELS as they have Kitchenettes and the rooms are big enough to set up an office. They are always clean too! Beds are harder sometimes. In Bigger areas you may be able to find corporate apartments that have one bedroom and living room where you can set up your desk area.@@danieltheadjuster
Very good advice Jerry
Tip on getting on and off the ladder safely. Also any tips for safety while on the roof.
3 points of contact at all times, (eg. 2 feet, 1 hand or 2 hands, 1 foot). As far as while on the roof, go slow and easy, no rush. Know where you are on the roof at all times so that you do not trip on a roof boot, or vent. Stay away from the edges if you are not comfortable, and keep a low center of gravity on slopes when you are climbing and use all fours. Better to be safe and look stupid, then be sorry later.
@@danieltheadjuster thank you so much. Ill go on my first roof soon
Fantastic!!
Are you an independent adjuster? Sounds like most of your stuff is reasonably local which is nice. Doesn’t it take a while to get local stuff? If not, how do you only get local?
Thanks for your question. Yes, I am an independent adjuster. Local stuff is the last step in this process. Got to pay your dues first, as a desk adjuster, or a CAT desk adjuster. It will come and it is worth it.
I have a final interview with the VP of field claims position in a few days. The field adjuster position is 100% remote. They will provide me my own company vehicle I can pick out, along with great benefits. The VP sent me a benefits document, dress code policy, and company info, is that a sign I have the job? Or is this something insurance companies do? Thank you for these videos…. Your Awesome!!
Yes, it does appear that you have the position, but I am not familiar with employee type positions with the insurance carrier. Congrats though, still a great business to be in.
Daniel, your bigger ladder in the video, what size doe it extend to? 22ft?
Yes, this is a 22’
I have been on more than 4000 Roofs with this ladder. It does a great job!
Nice content!! Question. Do you need to have a high school diploma to become a adjuster??
Thank you for your comment
Yes, you will need your high school diploma, but you do not need a college degree
Hey daniel, I’m currently taking my state approved course training for the exam, just wondering how much would you get paid for a job like this ?
@matthewadeyemo6717 Every carrier is different, based on their fee schedule. But typically this roof would pay about $300-$600 before taxes. It is really hard to lock down a price with so many different carrier scenarios.
I have been interested in being an independent adjuster for quite some time. The only thing holding me back is having to travel. Is it necessary to have to travel to make a decent living as an IA starting out? I’m trying to decide if it’s worth leaving my current job for. Thanks in advance!
Yeah definitely want to watch some of my videos. I go into a lot of detail about what is involved with being an adjuster. Definitely travel is part of it until you’re experienced enough to stay local. It’s part of paying your dues.
Yes the travel is a given and remember you have to go wherever the work is. I traveled most of the usa. from California to Arizona then a lot in Texas then Florida and east coast mainly hurricanes. Get your licenses confirmed for these states before hand so you are in conformance with that states rules and regs for insurance adjusting.@@danieltheadjuster
Though, I see how easy it is to go and take pics of the outside (and I'm sure that's all that's needed for a Hail Claim), but do you sketch the roof back at the office to get exactly the amount of "squares" of shingles needed for replacement?
(I didn't see you take any measurements)
It depends on the carrier that you work for as some will provide the Eagleview Roof measurements. If not, I will measure the roof, and sketch it in Xactimate when I get back to the office. I will do a rough sketch on paper first while at the site. It is kinda hard at first to sketch the roof on paper, but it will get easier and easier with time.
Always take the time to make sure you have all the measurements of the roof while you are on site. You can get in a big hurry and it will bite you in the BUTT later.@@danieltheadjuster
@@jerrytaylor8713 yes, very true
can you add links on where you bought the ladders
I don’t have links, but I just walked into Home Depot.
They have them there
What is your recommendation to get started doing this?
@behaisaemmanuel3396 Watch some of my earlier videos. I explain the entire process and how to get started.
What app are you using to find the slope with your phone?
It’s called PitchFactor. Best app!!
Is there an angle of roof that you don't walk on?
@davidelks8972 I walk on most roof slopes (including 12/12). The slope I will be most careful on is the old shingle with little to no granules remaining. It doesn't matter what pitch that roof is, it is something that you can fall off of very easily since the shingles can break off at any moment. The cougar paws are amazing, and if you keep an eye on your pads, keeping them fresh, the boots will stick to most slopes. Ankle and calve flexibility is a good thing to practice as well. The more boot surface on the roof shingle the more you will stick. A lot of people walk on the balls of their feet on steep roofs, this is why they slip (not enough boot surface touching the shingle).
Do you ever use your drone instead of getting on a steep roof? I've been hired to do roof inspections for adjusters before. Now I am looking at getting into field adjusting
No, unfortunately the carriers do not accept drone inspections from Independent Adjuster‘s. They want boots on the roof. I’m not sure that it will ever change. It would be nice.
@@danieltheadjuster it would be nice
Would be very nice. I love flying my drone!! 😂
Hey I just happened to stumble on your channel as my job right now isn’t cutting it. I have a few questions if you don’t mind. Do the companies typically reimburse you for tools/travel? Do they offer sick leave or vacation time? Is it salary? Is there any down time?
This is a self employment opportunity. All expenses are yours. Make your own schedule, take the time off that you want, but no vacation pay or benefits paid. Take care of all your own taxes.
But the benefits are great, you can make much more money, you’re your own boss, and take time off when you want.
@@danieltheadjuster can you go straight into self-employment or do you need experience first after you get trained.
Most adjusters are self-employed, unless you work for the insurance carrier. It is hard to get full-time work as a self employed adjuster. It will take time.
@@danieltheadjuster would you know if there’s any major differences in auto adjusters vs home adjusters?
Yes sir dealing with totally different policies. I did both. They were easy to learn.
Is there a class or how do I get certified to become an adjuster
@Inbreadsandwich There are lots of classes and courses. Start watching my videos from the beginning, as I do go over in detail how to find training, and how to become an adjuster.
Hay Daiel, what is the claim for? hail damage?
Yes, Hail Damage
Instead of climbing the roof can you use drone ?
Unfortunately not, insurance companies will not allow Independent Adjusters to use drones at this time. Maybe one day.
okay so when you get home, what's next? surely your work day doesn't end at lunch. what's the next phase of the claim?
Correct, that is the first part, which is the inspections. Then I sketch, write the estimate, and write the report for each claim that I inspected, and turn it in before midnight.
What does the 10+ mean?
It means that there were more than 10 hits per test square (10'x10'). Normally when the hail is bad in the area, we will see more than 10 hits per square. Most carriers will buy the slope if there are 8 hits per square.
21:46 🏆
Thanks for pointing this part of the video out! God is so Amazing with His handiwork!
Yes he is 🏆
Amen!!
I'm a 46 year old plus sized ,top heavy woman. I dont have any upper body strength but I want to be able to get into this field. Do I need to get in shape? I am losing weight. I want to be able to go to disaster areas if needed, just worried about my fitness.
Great question and thank you for being so honest. There are plenty of opportunities for ground work, while you are getting yourself back into shape (eg. water claims, flood claims, auto claims, or desk adjuster work). Climbing roofs takes strength, coordination, and training, but anyone can do this if they have that desire. Keep up the great work!!
@@danieltheadjuster thank you for answering!
Anytime!!
15:00 anxiety level 💯 😅😮
So sorry buddy
@@danieltheadjuster Do you have a video about getting through the fear of climbing ladders? Asking a friend LOL
How many locations do you get a day?
You get to schedule your appointments, but they can be an hour and a half away from you. So you just group them based on location as best as possible, but sometimes it doesn’t work out and you do a lot of driving.
@@danieltheadjuster thank you so much! I love your videos, they’re very much entertaining and doesn’t feel boring at all like a lecture. I love the energy you bring in this video and I’m sure more videos to come!🔥
@@Zedthrills I am so glad you enjoy them. I love making them. The energy is real. That is who I am, most of the time. Ha ha. Always going like the energizer bunny!!
How much do you make monthly?
@zaidmunzir1116 This is a good video to watch. czcams.com/video/kvuSnIcYNww/video.html
🤔 you must be from Minnesota
No! Ha ha North Carolina.
Can I have you as my adjuster 😂
Thank you so much
This is not for me i don't do roofs.
I understand, there are lots of opportunity for ground work and desk adjuster positions too.
@@danieltheadjuster thank you
@@jasonlayman8817 anytime