Thursday, 11 October 2018

What The Job Of Disaster Insurance Adjuster Really Entails

By Walter Bailey


Whether you believe in climate change or not, the occurrences of more and more violent weather are hard to dismiss. The lives of victims of these events are often changed forever. They can be forced out of their homes only to return to complete ruin or damage so severe it takes many months to recover some semblance of normalcy. After the emergency crews have left, the next person many of them encounter is the disaster insurance adjuster.

This field is in need of qualified professionals. It's possible to have a successful career in the field, but it often times comes with a cost. If you have an interest in helping disaster victims, you should consider whether you have the sort of personality and lifestyle adjusters must have to succeed in this very difficult job.

If you've got a family, or want to have one in the future, you should understand that this job is one that will require you to leave home quickly and stay away for weeks or months each time. This is difficult for any family dynamic. You can plan on missing important birthdays and celebrations with your kids and your partner. Today's technology does allow those who find themselves away from loved ones on important occasions to be in touch no matter the time of day or the location in which they find themselves.

This is a job that takes a deep emotional toll on all adjusters, no matter how experienced they are. These are the people working with victims in the middle of destruction. They are the ones meeting with families that may be suddenly homeless.

Adjusters don't always have good news for these people. They are bound by the policies the victims had in place at the time of the disaster. Adjusters are the ones who relay the bad news and have to listen to the terrible stories.

Adjusters are sometimes the subject of legal liability when a mistake is made for which they are responsible. Most insurance companies cover independent adjusters under an errors and omissions policy. Getting sued personally is becoming more and more common however.

During the time of disasters adjusters are very well paid for their services. There will be periods of inactivity though with no money coming in. This is not the kind of scenario that works for everybody. Planning ahead is critical. If you don't, you will end up looking for a second or third job just to pay the monthly rent and electric bill. The financial uncertainty keeps some people who want to work in this field out of it.

There are out of pocket expenses that come along with the job. You will be expected to have the latest technology available to your insurers. You can only work in states where you are licensed, meaning you will have to obtain licenses in advance that you may never use. You will have to pay for your own transportation and daily expenses.




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