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Saturday, 13 October 2018

What You Should Think About Before Opting For A Career As A Disaster Insurance Adjuster

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.

There is a real need for qualified professionals in this field. It is possible to make a very good living doing this job, but it can take its toll in many ways. If this is something you are interested in, you need to consider whether or not you have the kind of personality and lifestyle necessary to succeed in this 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 the sort of job that takes an emotional toll on even the most experienced in the field. Adjusters are sometimes coming into scenes of destruction. They meet with families who have lost their homes and all their possessions.

Even though they are sympathetic to the victims, adjusters are bound by the terms of the policies insurers had when the disaster struck. Adjusters have to learn how to deliver bad news to victims. They have to be willing to listen to questions and concerns of distraught survivors.

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.

Independent adjusters can make large sums of money in times of disaster, and then have long periods of inactivity. This is not a good scenario for certain types of individuals. It's important to have a plan in place when there is little work to be done. Otherwise, you will end up working at a second job just to pay your monthly expenses. The financial uncertainty is a big negative factor for many people who are intrigued with the idea of helping victims of disasters.

There are costs associated with a career in this business. You have to keep up with the latest technology which means having the latest equipment and software. You must be licensed in every state you go into. Your transportation and daily expenses will probably be a cost to you.




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