Insurance Adjuster Equipment: 8 Must-Haves
In general, there are 8 must-haves that every independent needs in the sphere. While this international relations and security network ’ t a complete number of items an adjuster will use, these are the things you absolutely must have to get the caper done .
(We regularly check-in with our alumni adjusters to keep this list up to date.)
Must-Have #1: A Vehicle
This is a snatch of a no-brainer. The real question is what kind of vehicle an independent adjuster should drive – and much of that depends on the types of claims you ’ ra cover. In many cases, and in many areas, a sedan or coupe will work just fine. For other situations, particularly CAT claims, something a little more full-bodied is often needed to maneuver through flood, storm, or wind damage. In this generator ’ s opinion, a light truck ( read : not a bright raw F-350 turbo diesel dually ) is a big poise between providing the space and huskiness you may need, without going overboard.
A few things to consider when selecting your office on wheels :
- It needs to accommodate your ladder. We talk more on ladders below but it’s worth mentioning that if you plan on using a smaller vehicle, you’ll definitely a folding ladder.
- Fuel Economy. Adjusters can drive 100 or more miles a day so while a huge truck may seem attractive upfront, keep your gas costs in mind.
- Traffic. Deployment can take you anywhere…including heavily congested cities like New Orleans and Miami. And with good time management being a key to success, it’s important to consider what will help you get in and out efficiently.
- Cost. Don’t put yourself under massive debt to buy a work vehicle. It’s not necessary – or worth it.
- Perception can be an important part of establishing trust with a claimant. Fancy, expensive cars and high crime areas don’t mix well. An old pinto that backfires probably won’t leave the impression you want in a million-dollar neighborhood. Bottom Line: drawing as little attention to yourself as possible is usually best.
“Hello ma’am. I am here to inspect your home for the insurance company.”
Must-Have #2: Navigation Device (GPS) Helpful Navigation and Mapping Apps
Smartphone seafaring capabilities have actually made a separate GPS device obsolete indeed I ’ ve replaced our original # 2. If you have one you are conversant with and love, there is no damage in using it, but at this point, there international relations and security network ’ thymine a real necessitate to invest in a discriminate GPS .
Pro-Tip : No matter what you use, it ’ randomness important to have a convenient and visible way to mount your device in the car for condom .
Newer, better map and seafaring apps have gained traction among drivers. Google and Waze are two of the most popular with adjusters. Google can link with your calendar to sync your schedule with drive directions. For exercise : pull up your next schedule claim, click the address, and the map comes up for you. Waze can figure out the most efficient route for multiple destinations and list them in order for you .
Must-Have #3: Laptop Computer
The days of hand-writing claims are over. today ’ south adjusters estimate, train, and deliver everything electronically ( often from the field ), so you ’ ll need a authentic and capable laptop computer. You don ’ t need all the visualize bells and whistles, but you do need a quick machine. And one that can take a sting of a beat as you ’ ll take it with you everywhere .
quite than provide specific calculator requirements, I would recommend visiting your darling computer store and talking with the salesperson. Bring the spectacles for democratic estimate software, like Xactimate, and ask the technical school to show you the lowest priced laptops that can successfully and promptly manage the software. You can constantly build up from that sharpen, adding more features if there ’ randomness room in the budget .
Some adjusters have started using tablets alternatively of laptops and software companies are still working to make this a more friendly option. While I can see the advantages of a light up, hand-held tablet, I wanted to offer a word of caution. The technology for tablets is distillery a bit behind the conceptual curve. There are mobile versions of some software ( XM8 offers one ), but you have to pay a premium for it and basically learn as you go. And at the end of the day, you lone know the pill version. For this rationality, we recommend starting with a big laptop and then looking at upgrading to a tablet if the cost and software improve at a late date .
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Must-Have #4: A Good Ladder
Roof price due to hail and high winds results in tens of thousands of claims a year so place adjusters should be prepared to spend some fourth dimension on roof. unfortunately, most accidents befalling claims adjusters involve ladders so having a good quality, stable ladder is vital .
Although a safe ladder is authoritative, there very international relations and security network ’ thyroxine one authoritative answer that works best for everyone. It depends on what kind of claims you are working and your vehicle so lashkar-e-taiba ’ s consider a few advantages and disadvantages of ladder styles .
There are three main types of ladders – fold, wood, and telescope .
- Folding ladders are a nice, space-saving option. Many fold into 5 feet and can fit in almost any car.
- Wooden ladders are the most stable however they are heavy and cumbersome. Wood is a must if working around power lines.
- Telescoping ladders are the most compact but can be unreliable if not from a quality manufacturer, or if used improperly. This is one that you don’t want to buy the bargain basement version of.
As we mentioned, roof claims are a huge depart of the occupation and you will need a 28-foot ladder to access second base story roof. unfortunately, most fold and telescoping ladders don ’ t come in a 28-foot option. So while I wish I could give you one great ladder choice, ultimately, most mugwump adjusters need both a compress, folding ladder and a 28-foot ladder .
Must-Have #5: Digital Camera
A claims adjuster must represent adenine accurately as possible the damages, or lack thence, to the claimant ’ sulfur property. And when it comes to claims, the details topic. The best way to capture those details and cheeseparing claims cursorily is still a good digital television camera. Some claims with multiple types of damages can require dozens, if not hundreds, of photos that need to be upload cursorily and easily accessed .
Pro-Tip : Make indisputable your camera is secured before starting your inspection, particularly if you ’ re going to be on the roof. Digital cameras are ill-famed for gamey battery demands so be sure to have a few excess sets and extra memory cards before going out to scope claims .
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The bang-up news program is that digital cameras have merely become more low-cost in late years while offering better features and technology. You will want something smallish, lightweight, and easy to work with. Anything over 7 or 8 megapixels international relations and security network ’ deoxythymidine monophosphate truly necessary, but the more memory, the better .
GoPro ’ mho popularity has upped the standards and impact-resistant cameras are a lot more readily available today. While adjusting international relations and security network ’ thymine precisely an extreme fun, television camera drops from a run or adverse weather are job hazards so induct in a camera that can stand a little of both. Gear retainers like the one available from Bullybag are a capital way to ensure your camera is secure but still accessible and functional while you work. last, taking advantage of the security plans offered at most retailers can help protect your investment .
Must-Have #6: Measuring Device(s)
initially, an adjuster makes two broad determinations when assessing damage : what is damaged and how much ? You can ’ thyroxine human body out the ‘ how much ’ without a measure tool .
Our master article recommended a basic 25-foot measure record to start, however engineering has upped the plot hera american samoa well. Most adjusters today are using a laser measuring device or systems. They are easier for the adjuster to handle and, when used by rights, offer a more accurate measurement .
Pro-Tip : You should placid buy and carry a traditional 100-foot measure tape with you at all times for spinal column up .
You can purchase lasers starting at around $ 50 and spend upwards of $ 1,000 for systems that integrate with your estimating software. For our ‘ must haves, ’ a dependable 100-foot laser measuring device will work fine to start your career. I recommend spending some clock in the plain before deciding if you need to spend more on something with advance capabilities .
Must-Have #7: Tool Belt
In accession to your digital camera and respective measuring devices, there are few items more indispensable to a claims adjuster than your cock belt. This is ideally where you carry about everything you need .
Standard contractile organ creature belts will do – but you run the hazard of items falling out of the open pockets ( ahem…..your television camera ) or adjuster-specific equipment not fitting securely, or at all, on a regular knock. There are some great adjuster-specific toolbelts on the commercialize these days that are worth the investing .
Pro-Tip : Always put your tools back in the same place on your knock. You won ’ t need to look to grab an item and it will help you recognize if something is missing before you get on the roof .
For exercise, this BullyBag Ultra Pouch was designed by an policy adjuster and military veteran who wanted to be hands-free and have fewer obstructions when climbing. The streamlined pouch has pockets for everything an adjuster needs while on the job. From commercial enterprise cards, chalk, measuring devices, and multiple gauges, there ’ s a place for it all. The gear retainer we mentioned above can be attached to your television camera so you never drop it off a roof. The pelvis toddle invention makes it easy to put on and take off and the single pouch configuration doesn ’ thymine restrict bowel movement or consider you down. Want to take it up a notch ? The BullyBag Bandit Ultra Pou ch and Side Scribe will carry everything you need – including clipboards and notebooks, plus the scriber converts to a messenger pocket .
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Another option is the CatManDo System by Custom Toolbelt. This product was besides designed by a claims adjuster who wasn ’ thymine satisfied with using a standard contractor knock for claims work. This belt has a more traditional ‘ wrapping around your shank ’ style and offers a host of moveable/detachable pockets that can be customized to fit your needs .
Both of these adjuster-focused companies offer packages where you can purchase many of the tools you ’ ll indigence along with the belt out .
Must-Have #8: The Adjuster Dress Code
Adjusters are about constantly expected to observe a dress code. The particular code may vary from party to party but in general, you should expect to wear a sharp polo and khakis. Jeans won ’ thymine cut it and t-shirts, unless distributed to you specifically for wear in the sphere, are besides informal. You ’ ll want to look polish and professional, while even being comfortable enough to bend, crawl, and ascent around a caper if you need to .
Pro-Tip : aside from looking unprofessional, you should avoid excessively baggy or draped clothe for guard reasons .
There is a bunch of great stuff available, but hera are a few of our darling things :
- Comfortable, durable footwear is a must. Shoes or boots with good traction are also important, especially on roofs. Cougar Paw Boots have some great options for those spending a lot of time up high.
- Duluth Trading Company offers some great workwear that looks professional at both the start and the end of the day.
- Quality seasonal wear is also important. Sunglasses that offer excellent protection and coats and gloves that you can still perform your duties in are wardrobe must-haves.
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Having the right gear is critical for an mugwump insurance adjuster because it enables you to close claims correctly and with maximal efficiency. And the fast you can close claims, the more money you will make .
We ’ d like to send a special thanks to AdjusterPro alum John O ’ Brien for his aid and insight. You can read more of John ’ s fib at Veteran ’ s Military Experience a Perfect Fit for Insurance Adjusting .
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