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Entries about catastrophe

Earthquake Claims in Virginia?

Traveling to Virginia for Earthquake and Hurricane claims

The call came asking for if I could work earthquake claims in Virginia; Virginia? The earthquake was only a 5.8 and who has earthquake insurance in Virginia? I’d heard about the earthquake but hadn’t paid any attention as we “Californians” sleep thru those little things.

I reluctantly said yes. Dale is going on terminal vacation in 2 weeks and I really wanted to be home when he came in the door that last time. Plus we’d planned to go to the eastern sierras for a little retirement getaway with some good champagne to celebrate.

Unfortunately the company I do lots of storm work for has asked for me to work on several occasions but due to vacations I’d turned them down. I thought about going for a minute and realized that if I turned them down this time I’d maybe take myself out of their good graces. So I said yes.

When a Cat adjuster agrees to go work a storm they have about 48 hours to get on site. I usually take longer as I drive and pull my RV. I can get away with taking 3 days to get on-site as the company knows that I’ll start working while on the road and stay as long as possible at the end of the storm.

As mentioned this is a major change of plans as we had planned a little retirement getaway in about 10 days. Unfortunately, the RV is not ready to go; we had some small items break that are now in the middle of repairs plus it needs 2 new tires.

We decided that this time I’d fly, get on location sooner, hence work sooner and Dale will drive across country by himself after he stops working on Sept 5th. Kids will all be in town the weekend after he stops so he can get the repairs completed, visit with kids and then head on to wherever I am.
Dale driving across the country by himself, pulling the RV is a complete reversal for us and very strange for me. I’ve driven back and forth so many times from home to Florida or Virginia or N.C. but he has never done that. Now I’m already worried about him!

After buying airplane tickets, reserving a hotel and a car I finally turned on the TV to see that the hurricane will head right to my location. GREAT! So not only am I going to fly into the hurricane area but will be staying in the middle of it.

I made sure to pack candles, bars to eat in the event of no power but didn’t think to buy a new inverter to charge my laptop.

So we will see if this hurricane and the earthquake will produce some work. If it does We will work as long as possible and then plan to head north, maybe visit some family, go into Canada then head home.

I’d gotten a really early start on packing and thought we’d be able to get a good night sleep but alas, there are too many things to check and take care of before leaving for an indefinite time. It’s already 1:30a.m. and 5 a.m. will come too soon.

Posted by Miss Chris 21:49 Archived in USA Tagged hurricane earthquake business_travel claims_adjusting catastrophe Comments (0)

Catastrophe "CAT" Adjusting

Adjusting property claims after a storm

Some time ago I wrote about working claims as a “cat” adjuster. When I wrote this I was completely out of sorts needing to get back to work ASAP and having mixed feelings about all of this. That time, I doubt that I even made myself clear; My Bad!

First, a Cat adjuster is a Catastrophe Claims Adjuster. We work property claims from storm damage. We are a group of property claims adjusters who are independent, meaning that we do not work for any particular insurance company. We generally work for independent vendors who have contracts with several insurance companies.

Having said all of the above, the work is not entirely easy, we get paid by the claim so it is in our interest to work as many as possible. And while I’ve been accused of trying to save the insurance company money, it is actually the opposite; the higher the amount of damage the more I make. But rest assured it isn’t a straight % of the amount of damage. Here is the catch; if I just made the estimate high then I wouldn’t be working now. We must justify and verify every decision so we try to get everything that is really and truly damaged repaired for the insured.

Now we can make a bunch of money, for those of us who are not afraid of really working our butt off but it is also an amazing chance to experience different areas of the U.S. by living there. On the down side the work takes us away from family and friends for stretches of time, plus we should work 12-20 hour days to really make it worth the while. It is easy to get burned out. But again on the plus side I get to find those little “hole-in-the-wall” restaurants and visit historic sites when time permits.

When a storm is actually on the way the adrenalin starts to flow, it is an excitement that is difficult to explain. So now we have Irene and now we will see what she blows in.

Posted by Miss Chris 18:02 Archived in USA Tagged storms business_travel claims_adjusting property_claims catastrophe Comments (0)

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