r/adjusters

For months now I have struggled with hitting certain metrics at my company. They keep raising the bar and I feel the metrics are just unrealistic. I’m not focused on doing my job and what’s best for the customer but just hitting these damn metrics.

Most recently has been our companies new focus on 2 hour contacts on new claims. I understand the sentiment. But they expect you to call on new claims you get before your office hours end. So if you are off at 5pm you are expected to call on that claim even if it came to you at 4:59. The argument is because we are salaried, you can stay after your scheduled office hours.

Well if I’m salaried that means I can get to work late and leave early ??? Nope. Wrong. You are expected to be available during your office hours.

I’m sorry but I am not sticking around just to call on new claims at the end of my shift. I have a life and things to do outside of work. Sometimes I literally can not stay any longer. I think this is such a ridiculous expectation. It used to be if a claim came in the last 30 mins of your shift you did not have to call out which I think is much more reasonable.

Title says it all. I’ve decided to upgrade from my Jabra wired headset I’ve been using for about 3 years.

IT practically requires a child sacrifice to send a replacement headset so I’m just gonna buy my own. I game on my PC as well but not much multiplayer stuff. But would probably use the headset for that as well.

Fellow claims people what (preferably) wireless headset do you use? I’m open to a wired one too I guess.

What’s been your most and least favorite claims department to work in? And why?

Desk adjuster for Big Red, and interested in pivoting to a department other than sub

I’m currently in the course and studying now for the exam.

More of a rant than anything this week...

1. Don't send me "thank you" emails...I get/send hundreds of emails a week. I don't need these.

2. Our loss reporting/intake dept freaking sucks. Proficiency in English should be job requirement number one skill required. Can't even get names correct - Cindy vs Sidney...address in Maryland with a Texas zip code...

3. Insureds completely misrepresenting loss facts. Tell me it's a single car loss vs a stationary object, no damage to insured vehicle. Yeah, not what happened at all...

4. People leaving a voicemail at 9pm and sending an email seconds later to see if I got the voicemail. It's 9pm fuckers, I don't work 16 hour days!!!

You guys ever see work life balance(what’s left of it anyways) improve after you get leadership pushing tighter metrics above actual company standards? I’m wondering if it gets better at all or if it just stays a shit show of unrealistic expectations and increased micromanaging?

Guess I already know the answer but curious for everyone’s thoughts on why this happens and how they think this is sustainable? My assumption is this hurts employee retention heavily and ultimately results in a decrease in office performance as well as customer experience. What gives?

I have a 22 gauge exposed fastener roof that has already been approved, the insurance scope is pulling a line item I’ve never seen. It just says ‘metal roofing’ and the price is less than a 26 gauge panel I have on another claim down the street.

Is there a specific line item to use or would this be a bid item?

I’ve been in claims for 3 years (almost 4) handling non standard commercial lines MD only. I’m getting tired of management changing things constantly for expectations. I can handle customers fine but the metrics are constantly getting worse.

Just looking for insight on other positions within insurance carriers that would be a good fit. I’ve heard about underwriting or even production side of things but not sure if I’m qualified. I have a bachelors and licensed in FL plus a few other states.

I live in CA and passed my Independent Adjusters Exam. After 3 years with FEMA, the state said my experience did not count toward the 4,000 hours needed to be licensed. When I asked for an appeal form, I was told that I could not do it because I TECHINCIALLY was NOT denied. I think Adjuster Trainee positions don't seem to be hiring me because I seem overqualified. What would you do? Should I just reapply for a license? Am I a lost cause? Are there other states that will let me get a license without the experience and without living there?

Funny response in comments..

Congrats for making it through the week.

Feel free to share your (Good/Better/Best) or (Good/Bad/Ugly) for celebration or support.

As always, I will monitor Automod removals. Just bring something real.

Hi all, I’m an adjuster (speciality lines, boat, mc, rv, prior ad). I’m in Florida and shopping for new home owner’s insurance with a new house purchase. One of the most cost effective quotes is coming from Tower Hill. Just wondering if anyone has experience with them good/bad/ugly, for claims handing. As an adjuster I think we all want to know what type of service we’re getting god forbid we ever need to file a claim. Thanks!

3.5 years looking for a job
8 years in auto claims
7 years in WC
30+ in the insurance field

100s of applications
A handful of interviews
100s of rejections

I had an interview today, went well.

Or so I thought.

Rejection came 2 hours later.

Thankfully I have a job, I’m just burned out and need change .

I’m apparently employable (because I’m employed).
But not hireable anymore (because I’ve aged out).

I’m tired
I’m frustrated
I’m done
I’m defeated
It’s over

Sigh

Yup you read that right. I left one evil for another but the people Allstate (management and TLs) were significantly better at Allstate. I had a higher moral at Allstate. I cared about the work I did, and actually could clock tf out when I got off work. The people at HIG are dry, leaders micromanage too much, and it doesn’t seem worth my peace. The only real downside to Allstate was that they did not pay enough. I make 29K more, and at the time I left it was for 25K more. I worked there for a few years and really thought I would retire there and now want to go back. (Yes I’ve been looking at job postings. I missed the small window to apply to this one role I was the perfect fit for but it was gone the next day). Oh I also want to add that the yearly bonuses at HIG are very lovely. I never got bonus my entire times at Allstate

I started Allstate when I was young and naive and they would say “the grass isn’t always greener” elsewhere. And of course you think to yourself “pshh they all say that”

The reality is… it’s always a chance you take. It either works out or doesn’t.

Anyways just venting. Anyone else have any stories? Because f it why not

On each quiz so far they have something that they mark incorrect. There is no way to review to find and confirm what answer they wanted but, I have looked them up and from what I can tell, I'm right but, the test says I'm wrong. I know it does not matter on these until I take the actual Texas exam but, still, it's upsetting and hurts the confidence.

Flood coverage may be written for communities declared eligible by?

HUD
FEMA
SBA
NFIP

I choose FEMA since they are the ones that actually declare it but, it marked me wrong. Anyone experience want to weigh in?

**EDIT**

I guess after rereading their material they say its for communities declared eligible by HUD? Still seems odd to me.

Allstate has the worst VPN I’ve ever dealt with!!!!

I am currently on a small subro team that handles triage, and clear liability claims. We also send the initial demands out for our more complex liability team. If the OC accepts liability within 6 weeks, we get to take the more complex claims back since there’s no dispute on liability.

I’ve always been the lowest recoverer on my team. Lowest by a lot. I don’t know why. I’m also op to date on my work, I frequently ask for more work. But I almost never recover more than $60K a week while the rest of my team regularly recovers well over $100K.

It’s been made clear that layoffs are imminent. I saw this because management has suddenly started shifting 3 major tasks from us to a vendor and begun cross training two teammates with other departments.

I’m sad because I love my job and the company I work for. No other department will take me because my last performance review was awful due to too many absences from Intermittent FMLA leave. I stopped a psych med that was giving me awful side effects and finally started feeling well this past month and haven’t had to take a day off since late April.

But now it’s too late, isn’t it? My only hope is finding a different company and starting all over again from scratch. Kissing goodbye my amazing benefits and months worth of PTO.

Does anyone have any advice on how to navigate this not yet officially announced but all signs point to its coming awful situation?

Hey all,

I’m an adjuster for a company that primarily handles claims in CA, all HO losses.

What is up with these insane customers? Super demanding, not professional and don’t even get me started with the water fraud losses I am seeing out there.

Any tips for dealing with these aggressive insureds and vendors? I can’t ignore them, because our phone metrics are measured.