Its pretty simple – the OJT "Catastrophe Reference" E-Book is the single most comprehensive guide to independent claims adjusting in the country. Written by a team of highly experienced adjusters, this book is jam-packed with information to help you hit the ground running!
The 200 page, instantly downloadable, Cat Adjuster Manual includes:
- Information needed to secure immediate employment with the largest and most reputable independent companies.
- How to prepare for and pass "Wind/Hail" and "Estimatics Certification" exams and which independent companies are offering classes with exams for free.
- How to get certified with State Farm, Allstate, Nationwide and USAA for free.
- How to contact, inspect, scope, and build claim files to the highest standards of industry practice.
- Storm Supplies Needed - A comprehensive list that includes pictures, descriptions and explanation of the tools you will need to maximize claim handling accuracy and efficiency.
- Understanding Estimatics Price List - A roadmap for finding what you need from the price guide.
- Storm Site Preparation/Expectations - What to expect and how to prepare for the job that waits for you at the next storm site from induction to departure.
- How to read a Declarations Page
- Understanding Severity Codes
- How to prioritize claim load
- Industry Scoping Standards and Formulas - including:
- Mathematical formulas for calculating roof area
- How to use shingle waste factors
- How to identify A/C unit tonnage
- Counting tabs/knowing the difference between Metric and Standard shingles
- Shingle Identification chart
- Wall Framing component chart
- Application of the 24 square foot rule
- Two Industry approved ways to calculate carpet waste
- Creating user friendly diagrams
- When to allow Profit & Overhead
- When to add Access, Demo, and Content Manipulation in settlement
- Estimatics Guidelines for roofing, flooring, cabinets, drywall and paint
- Two most common forms of framing
- Using test squares
- Calculating pitch
- When to include 2-Story & Steep allowance
- Roof & Exterior General Claims Settlement - including:
- Product Identification
- Policy Interpretation
- In depth guide on Roofing Estimatics as per current industry standards
- How to speak Roofing Contractor language fluently...and then some
- Pictures that differentiate hail damage from age and manufacturing defect
- Fifteen roofing replacement scenarios (over seventy pages) with diagrams, measurements and answer key. Includes examples of how to provide a settlement for each scenario on an actual estimate
- The United States Dept. of Commerce study on "Hail Resistance of Roofing Products" (The most industry recognized research on this topic to date!)
- Appropriate responses to the ten most common questions/assumptions made by roofers and homeowners.
- Interior/General Claim Settlement - including:
- In depth guide for estimating interior storm damage.
- Damage scenarios with scope notes, diagrams and measurements, all transferred to an actual estimate
- Policy Interpretation
- Extending repairs to a natural break
- Surface water denial
- Contents Settlement - including:
- In depth guide to contents settlement
- Depreciation guide
- Example of contents settlement
- Sample Claim - Example of completed hail claim that follows industry protocol in content and form.
- Common Claim Settlements and Mistakes - Sound answers to real questions that come up while working storm claims. Clear examples of the most common mistakes made by most every new adjuster and the solutions on how to avoid them.
- 100 Question Wind/Hail & Estimatics Practice Exam - The same kind of questions asked on current wind/hail & estimatics certification exams!
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