r/adjusters

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

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

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.

Turns out they were on a PIP I had no idea about. They had been with the company less than a yr. The PIP was for desk management and metrics. We all know when your desk isnt right your metrics arent right (most of the time). They didnt have the right guidance on how to task things. I began helping them but because we arent able to retask it was going to take additional work. I had no idea they were on a PIP. Their metrics were actually better than mine. After they were fired, I began comparing my metrics to others on the team. I found that this guy who has been with the company over 20yrs is not hitting any of his numbers. In fact, He has 3 pages of overdue activities all the way from March. Now I know he could be on a PIP himself for all I know but I just still do not think its fair this newcomer was fired. The guy who isnt hitting any metrics always has the most to say. I wish I wouldve been able to help sooner.

I recently had a claim in Pennsylvania, and the offer the insurance company gave was a fraction of what the estimates were to fix the damage. We then hired a public adjuster, who after looking over the damage estimated that he could get us a number that was even higher than the contractor's estimates. After all was said and done, the adjustor was only able to get a little more money, nowhere near the amount that the contractors estimate. When pressed about why this happened, and why he felt confident initially he could get so much more, he said although that's the amount the company should pay, the company declined to do so. To summarize the conversation, he basically said "This is the amount the policy should cover (the higher amount), but the company said 'No'". When pressed for answers about this, he got very defensive and rude, and the relationship immediately soured, to the point where he will not return our calls.

My understanding of what a PA did was to go through the policy, asses the damages to your house, and hold insurance company's feet to the fire in some context to force them to pay more. If insurance companies can just say "no", then what motivation do the companies have to ever raise their offer after talking with a PA?

Also, if a PA highballs an estimate to have something to give up during negotiating with insurance, should they not be transparent about this with their clients? I've never used a PA before, so if this is just how it works then I guess I know now, but the way the PA initially explained it was that the higher amount was what he estimated we would actually get.

So, I have been practicing Xactimate in order to get my Level 1 certification. However, I have a problem with the Roofing Sketch. I’d show the picture, but it wouldn’t allow to post on here. All I was trying to do was use the “break” tool, to extend the roof by 4 feet without adding additional roofs on it. Any tips are helpful.

I have a degree in actuarial science and always planned to become an actuary (only because of the salary). I graduated last year and couldn’t get an actuarial role but I landed in a claims adjuster role in financial lines now making $85k. I think I got incredibly lucky to even get my foot into this role with no law degree and I find the job itself quite interesting and I’m very happy with my day to day. The plan initially was to get my foot in and maybe transition around but now it’s looking like I want to keep pursuing a career in claims. However, I think actuaries have a higher ceiling when it comes to pay but I do enjoy my job in claims and the pay isn’t too shabby. Is it worth studying for the next 10 years to potentially have a higher salary in the long run ?

I really wish I could give specifics on some of these ridiculous claims filed against my insured... especially the GL injury claims.

I don't understand how people hurt themselves by not paying attention to where they are walking, trip and then immediately get an attorney. You walked into a stationary object (and I count a wall as a stationary object!) that is clearly marked and obvious. People have no shame or self accountability for their own negligence.

Your turn...and....GO!

When I first started about 8 years ago, my customer service was pretty on point. I alway tried to treat each person as a neighbor and stayed super personable. I had so much compassion for people in situations they didn't ask for, but am finding I have close to zero care about any of these people anymore.

Years of dealing with maladjusted adults, entitlement, straight fraud from everywhere (that seems you cant really do anything to combat), roof salesman, PA's, and all the rest of the bad players, has made me feel jaded. Sometimes it even leads me to be reactive towards people, or at a minimum super robotic and short. I tend to acknowledge and correct for the next file, but it cycles.

Do any of you feel this way or can relate?

I work as an IA with primarily two carriers in my state, where most of my work comes from one. The workload is always crazy during heavy storms or cat events, but daily claim workload is more than bearable, especially in non-active months. I am trying to appreciate my job and the flexibility it gives me, but struggle with this career choice daily because I show up poorly in tons of instances.

Also, as an IA I always feel like my job could be cut out from me at any moment.

What’s the vibe right now in your claims dept? I have good news I wanted to share. My employer is bringing back an old practice they use to have. “Fishbowl days” it’s a day where you are turned off for new clams the entire day. You have the day to work on the stuff you have and on personal development stuff.

Everyone gets a set amount of time from my understanding sorta like PTO. They did it before but it was a defunct thing for a few years by the time I started.

Does anyone else’s employer do this?

I seem to be getting a massive amount of brand new roof claims where the insured has a PA from day 1. It almost feels like the PAs are seeking out the insureds rather than the other way around.

Started as an auto adjuster at big red out of college back in 2012, then tried the agent thing for 2 years and learned I hate sales more than customer service. Now been working for a specialized commercial property carrier for 6 years.

I think I am done. I can’t stand the clientele that we deal with and everyday is a struggle to pick up the phone or to open outlook. What have others moved to have getting burnt out? What do adjusters skills transfer to?

I have also been spoiled as I have been a 100% home desk adjuster with no travel. I go to the home office 1 time a year for a claims team meeting and that’s it.

So what have others found that our skills transfer to?

Received a write up for a compliance letter that I missed. I know it’s a big screw up on my end, but it was a genuine mistake. The write up was the standard “punishment” for the issue, but I can’t help but to worry I’ll be under a mega microscope now. Anyone ever had this happen? Am I cooked?

I had a claim this morning in which some shingles had 3 creases, some two, and it was very obvious what had occurred from the roofer.

Hardest part of this is that we had genuine damage on the front slope (7/12 two story) and after three people have evaluated the photos (and me see first hand) it’s mechanical. This is maybe the third time in 16 years a roofer has been this brash.

Just want y’all’s opinion, I’ve already notified the proper channels to get it investigated. It’s obvious it’s not wind, and he messed up and didn’t get his crowbar under one shingle and tore it down the center.

Thanks in advance.

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.

I’m a staff adjuster but due to high turnover at my company, my territory is no longer the territory I was hired for. I rarely have claims within an hour from my home. I’m traveling up to 2+ hours one way for inspections = 4 hours a day just commuting.

I don’t mind drive time, but I can’t keep up with my KPI’s of quick settlements and keeping on top of all the back end work when I spend half of my work day driving. There’s no way to tweak my metrics based on how much I’m driving which feels unfair. My coworkers mostly have claims within 30 min of their homes so they are killing their metics since they have more time in their days. I often start work very early in the morning - on the road by 6 or 7am and work until after 8pm to stay afloat and stay competitive to not be at the bottom of the list for raises/bonuses.

Does anyone else have this issue?

If you have to travel far for inspections, does your company provide hotel accommodation? If so, what are the parameters? I think that would help a lot- if I could work my out of town claims and check into a hotel to finish working

Any other suggestions or advice? I desperately need to try to get closer to an 8 hour work day. I’m not getting enough sleep, nutrition or time to keep up with life outside of work. I realize how awful that sounds but despite it, I really do like my job 😜

I have been at GB for a year now and have never got any type of raise. When I asked my manager she said we do not get any type of raises? Anyone else work at GB and can confirm this?

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.

Hello Adjusters!

I'm new here. I'm an adjuster at a very small independent claims firm. 3 years adjusting, mostly auto liability investigations and assisting on larger/more complex files in varying capacities.

I work on salary with commissions against a draw (I have to bill our clients for enough to earn my salary before I can make commission).

I unfortunately do not have enough work to do (I know). I'm looking to move to an insurer or a larger independent claims firm and have been applying and interviewing. I'm looking to familiarize with Guidewire (ClaimCenter specifically), as I believe my lack of experience with a proper CMS might be part of what's holding me back.

Anyone know of a Guidewire course I can take to get a certificate for LinkedIn and my resume?