Long Term Water Damage , Daniel the Adjuster
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- čas přidán 24. 07. 2024
- Mold, rot, and water damage.
Do you know what to look for?
Is their Insurance coverage on long term water damage?
#insuranceadjuster #waterdamage #adjuster
0:00 intro
0:23 Conversation with the neighbor
1:04 About the insurance claim
1:33 Water Damage in the Home
2:33 Kitchen Island Damage
4:25 Water line inspection
5:47 Not ruling out Roof damage
6:44 Loss of Power in the home
7:21 Check the Thermostat
8:18 Massive water damage found
8:52 Basement Inspection
10:27 Foundation wall water damage
11:20 HVAC duct leaking
12:02 Roof Inspection
12:25 Brittle Test
15:12 Verify with your sketch
16:10 Found the source
16:38 Leaking for a year
16:46 Wrap up
17:14 Macros www.fatfreecartpro.com/ecom/g...
17:17 Link clearskydroneimagery.com/adju...
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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?
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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.
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Sound was terrible at the first--sorry---good video though!
Feel free to stop apologizing for not having perfect lighting or immediate access to a tool while your hands are full. You're giving us great material.🙂 Thank you!
@@writeisright5948 I appreciate the comment. This means a lot. Always trying to give the best info!! Hands are full sometimes!! haha
Thank you for creating. This continent helps me out starting as a newer roof inspector and I’ll tell her what to look for to help these people actually as these cases come along.
You’re welcome, I enjoy making these videos, and thank you for watching. Roofers help us to get work, so good job
I’m staff adjuster with big R I love your videos. Thank you for help me learn. This video was wild it should be denied. If so I have a hard time explaining how to deny things to my insurance company. What should I say if I was in this position? Thanks
Thanks for watching. I appreciate it.
The easiest way to put it into your report, to state long-term damage, not related to a recent event. This is a good way to blanket deny this claim. The carrier knows this language in their policy, and typically this type of damage is not covered. We are not allowed as independence to give coverage decisions, only recommendations, or observations.
So, was the roof just unrepaired for a year and they just had it repaired before you walked it? So, it's unroofed for a year and they don't expect damage? Wow.
Yes, unrepaired for a long time, until just recently repaired
So did you deny this claim daniel.? Didnt you estimate for those missing shingles at least?
I am documenting the claim for neglect and long-term damage. The carrier will probably not pay for anything on the interior. The claim was not opened for wind damage, it was opened for water damage. So I am not including the wind damage on the estimate. Basically, no estimate, just documentation. Most insurance carriers will deny this interior damage.
Would there be subrogation for the roofers who did the "repairs" since they messed up the shingles and that's where the leaks came from?
No, not at this time. I believe this might just be the insured's fault for not fixing the leak/wind damage when it first occurred. The damaged shingles from the repair, are just from hiring a poor quality roofer. The shingles were stuck down, and water was coming from the unrepaired roof damage before the roofer did the repair. The neighbor confirmed that the roof had not been repaired for some time.
Why did you sketch it if you knew you would already not write an estimate? For me, i only will sketch if im writing an estimate. Thanks!!
Most carriers requires a sketch and documentation of where the damage was found. For future plans.
@@danieltheadjuster Very good to know. Thanks
Did you deny the claim?
Yes, this claim is typically denied
Hey thanks for the videos not sure if you covered this but what laptop or tablet for xaminate desktop ot mobile would you recommend to use? Ty
I use Dell Laptops. I find them very rugged, and I don’t have any software issues. I will not buy anything else. Typically I buy something that has an i7 processor or better.
Xactimate it’s a very demanding program. Try to buy a good computer, around $1500. It will be well worth it.
Are use a hub, and hook up a large monitor and separate mouse and keyboard.
When a catastrophe occurs, and I have to go, I just unplug everything and go. It works out really nice.
@@danieltheadjuster Wow thank you I was going a bit crazy trying to figure out what to get thank you so much again
Anytime
Fans running where mold is. 🤦♂️ good luck getting a mold clearance. That who house needs to be cleaned and wiped down.
Yes, this house will be a mess to cleanup, and VERY expensive. Never let your house get to this condition.
Hoping this isnt my insurance company paying for this. Inwould have denied the claim. Both fridge leaks tell me they shut power on and off and defrost drained into the floor. Just to me seems like neglect. Perhaps the damage happened before the roof repair and they walked away instead of doing wate mitigation?
Yes, I agree, they are probably not going to pay for any of this
@@danieltheadjusterI appreciated all the labeling you did on the roof. I am not an adjuster yet. I am considering it. Very helpful video. Will you still be compensated for the adjustment or does insurance only pay if they pay?
@@keith2498 yes, I will get paid the minimum charge for the claim. It works out to be about $220-250 per claim, after the firm takes their 40%. Not too bad.
@@danieltheadjuster If insurance did pay the claim? What do you get at that point?
@@keith2498 it depends on the value of the claim. Higher the value of the estimate, the higher that I make. They realize it takes longer to write a big estimate. So they pay more.
Do you always sketch with pen and paper or have you used the Sketch AR function in Xact Mobile?
I always sketch with paper. I like to have a hardcopy for my records. Some people will use some of these augmented reality functions, but I found their measurements are slightly wrong.