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News from Aspen Claims

What You Need to Know About Earthquake Property Claims


May 16, 2018

Earthquakes strike at a moment’s notice, not giving much time at all to do anything other than evacuate. Once the thread is over, a property owner has to assess their damage. It is a stressful time, making it important for insurance companies to help throughout the process. Learn about earthquake statistics in the United States, tips to help your insurance company manage claims, and when you may need to call in additional adjusters to assist with property claims.

Earthquake Overview

An earthquake can occur when the earth has two tectonic plates that slide pass or break apart from each other, causing the ground to shake. The science of earthquakes can be quite fascinating, however, they can cause must destruction depending on their magnitude. To measure the magnitude, the Richter Scale is used.

The Richter Scale ranges from one to 10, with 10 being the highest and most destructive. Once an earthquake is over, there is still the chance for aftershocks, which is an earthquake with a lower magnitude. In addition, if an earthquake happens in the ocean, it can create incredibly large waves, tsunamis, that can be destructive and dangerous.

Statistics

To date, one of the world’s highest recorded earthquakes was a 9.5 magnitude in Chile. The largest recorded in America was a 9.2 magnitude quake in Anchorage, Alaska in 1964. The west coast sees the most in earthquake activity as it has close proximity to a seismic belt. However, they can strike wherever. There are fault lines in the Midwest, especially Oklahoma, and southeast coast of the country increasing the chances for an earthquake to occur.

Tips for Your Company to Manage Claims

The customers you serve may be in an area where earthquakes are more likely to happen. Once an incident occurs, adjusters will go out to assess the damage. Each event is unique, as is everyone’s insurance plan. It is important to pay close attention to your clients plan to ensure you use their coverage. There are many home or property owners that do not have insurance the protects them again earthquakes, so no matter what the case, it is best to be forward with them in a caring manner.

Calling in For Adjusters

If an earthquake causes total destruction to an area, it can really cause a spike in your business. With these home and property owners still getting over the shock of the quake, and processing damage, it is important to provide great service. You do not want your customers to have to wait extended periods of time to start their claim. If this is the case, make sure you take advantage of remote adjusters. They can handle the excess work and evaluate claims.

Do you have, or think you will have increased workflow? How to get assistance with insurance claims is important—which is why you can trust the experts at Aspen Claims Service. Our team of nationwide claims adjusters is available throughout the contiguous United States, specializing in daily and catastrophe claims. Contact us now to get us in your system at 888-819-5904 today to get started.
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How Claims Adjusters Should Approach Rare or Uncommon Property


May 2, 2018

Claims adjusters have a career that is based on research and investigation. In some cases, a specific piece of property or a vehicle might be rare, creating a new experience for the adjuster. If you have a client that has filed a claim, that includes something uncommon or rare, it is important to know the steps to take to ensure they receive a fair amount. Learn how to get started with a rare claim, tips for working with your client, and how to work as an independent adjuster if you are hired by a person looking for a second opinion.

Getting Started

Accidents happen every day. As an insurance adjuster, it is probably second nature at this point to go through all the steps in the process. However… what happens when you are faced with finding the value of something rare? It can be a challenge. After your initial conversation with the client, your work will begin.  While working closely with the client, you will need to be prepared to do additional work and research to educate yourself on the item. This research will include:
  • Learning more about the item
  • Investigating average costs for the area or country
  • Look into any additional costs or work that went into the property
  • Finding existing flaws and issues through understanding depreciation basics


Working with the Client

When you are working with a client that owns a piece of rare property that has been destroyed due to an accident, it is important to assure them you are working to find an honest amount. You have to remember—in the back of their mind, they are looking out for their investment.

In the initial claim, you may not realize how rare a specific item is unless they tell you. Whether they do or do not, once you are in your initial stages of research, you will quickly realize it is different. As you continue your research, make sure you have all details about the accident and as much as you can from the owner. This will help you find a fair amount of their claim or to determine if the property is a total loss.

Working as a Personal Adjuster

In cases where a piece of rare property is damaged or destroyed, you may be approached to be the second opinion on an existing claim. If a client feels their original amount or decision is unfair, make sure to get all of the information about the original case as you can. Also, be sure to go in with an open mind without letting the existing response play a role in your decision or research. As you work, you can keep in mind any flaws they felt were made and see how you can find other solutions for them.

At Aspen Claims Service, our team of experienced adjusters can assist with any uncommon or rare situations your customers are faced with. When your area or firm is faced with an increase in claims, having a team that can step in to help with longer, ongoing, and rare claims will reassure those customers. Make sure your team is experienced with the frequently asked questions about property claims and call us at 888-819-5904 to see how we can help with your claims.

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Important Programs and Brands Property Insurance Adjusters Use


April 18, 2018

If you are seeking additional help with property insurance adjusters, there are many factors to consider. With different programs to use, it is beneficial to know what a team is accustomed to that will help expedite the process. From three different programs and brands, to learning why you should hire on additional help and what to look for, you can rest assured you are making great decisions for your company.

Top Programs and Brands

Of the many programs and brands available, here are the top four that are beneficial from a claims service:
  • FileTrac™: To ensure a team has the most up-to-date information, FileTrac™ is used. It is a claims management system that allows for real-time statuses to be viewed at any time.
  • TruReview™: This program is for internal and field staff that allows them to have a complete and thorough review of all claims. Ideal for cost savings, this program ensures accuracy and an expedited delivery. This will be used also for additional claims that may need to be seen by additional teams, with the ability to have a report approved and sent to the client.
  • ProEd™: The ProEd™ education program is ideal when training adjusters for catastrophe and daily claims. It goes over the latest and most advanced techniques in the profession. It will lead to a new skill set for adjusters, and help them be more proficient in their work.
  • ReScope™: Used for re-inspections, ReScope™ ensures the most accurate process in the industry. It covers differences in costs and scoping, as well as auditing on existing files per a customer’s request.

Reasons to Hire Additional Adjusters

You may be wondering, “do I need extra help?” A claims service is ideal to have people available 24 hours a day, seven days a week. Experienced in everything from hail and wind, to fire, snow, and ice, as well as hurricanes and tornadoes, a team will quickly work with residential and commercial entities. Each step of the process is crucial. Claims services will assist with large losses, accident investigations, re-inspections, underwriting inspections, and branch assistance—using the latest software for accuracy and efficiency.

What to Look for in an Adjuster

Once you have made the decision to work with a claims service, the platforms they use for their business are key. Ask them what is used and how you will benefit from them. Next, ask how their service is. Are customers happy? What is their standard for premier customer service? It is important to work with a service that will work hard and have a great attention to detail.

Do you have increased workflow? How to get assistance with insurance claims is important to recognize and handle. From using the latest in technology to providing excellent customer service, Aspen Claims Service is your-go to service. Our team of adjusters serves the continental United States, 24/7. Accidents don’t stop at 5 p.m., so neither do we! We are here to serve you and your customers at all hours. Call us today at 888-819-5904 to see how we can help you.
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Developing Relationships with Insurance Adjusters for Your Business


April 4, 2018

Whether you have a growing insurance company or are looking to build your team, it is important to develop relationships with your insurance adjusters. When you build your team to be strong and connected, you will provide a better experience to your customers. Learn about the benefits of using additional support at your company, how to make the transition, and expanding your company nationwide.

Benefits of Using Additional Support

Is your insurance company growing? Or have you experienced an event in your area that has lead to an increase volume at your business? You need to make sure you are reaching customers quickly and addressing their claims. This is where a claims service will assist.

A claims service will provide adjusters for a variety of situations for both residential and commercial settings. In fact, there are services available around the clock, seven days a week, to work through any problem. Some of the most popular include:
  • Daily claims
  • Catastrophe claims
  • Large loss
  • Underwriting
  • Inspection

Making the Transition

When you make the decision to have a claims service assist your insurance company, there will be a time of transition. Luckily for you, when choosing a service with licensed adjusters, they can jump right in.

During their onboarding, educate them on your business. This includes practices, values, and anything they need when working with your customers. From there, make sure they know the expectations of the job. This includes deadlines, writing any estimates with detailed information, and any of their licensing information.

Expanding Nationwide

Another benefit of hiring additional insurance adjusting assistance is for expanding into other states. Depending how far you plan to grow, you may enter into territory you are not familiar with. For instance, if you are in the Midwest and expand to the west coast, you can hire adjusters experienced with the risks of the area. This will streamline claims, and your customers will be happy working with someone understanding of their situation. It is also beneficial to have people close by to any devastation to quickly assist and turn around the appropriate information.

Noted in the Claims Journal’s “Outsourcing Claims Functions,” requesting additional assistance is not new. It has helped to cut costs. In fact, many solely use adjusters to save. Regardless, as your company expands, the additional assistance is necessary for your success. You can grow your demand throughout an area or nationwide, with the ability to control the amount of volume of claims coming in.

As you grow your business, or look for quality assistance for your claims, Aspen Claims Service is your go-to, trusted source. Serving the continental United States, we have agents available 24 hours a day, seven days a week to handle any claim for your company. From severe weather issues to fires, we have experts to help you manage and provide great customer service. We use FileTrac™, TruReview™, ReScope™ and ProEd™ technologies for efficiency and accuracy. Learn more about them and more by reading why The Aspen Difference matters. See how we can help your business by calling 888-819-5904.
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What's a Nor'Easter? How to File Late Winter Catastrophe Claims


March 21, 2018

Whether you live in the New England part of the country, or somewhere else, you are probably familiar with the nor’easter weather pattern. With a few of these storms occurring back to back, several weeks in a row, it weighs heavily on an area. In some cases, these large storms cause damage that leads to an increase in catastrophe claims. Take some time to learn more about these storms, working with claims, and reasons to use a claims service for an influx in business.

What is a Nor’easter?

A nor’easter is a storm system that begins in the Atlantic Ocean that is created when a strong amount of low pressure builds along the northeast coast of the country. In the Weather Channel’s “What is a Nor’Easter?” they explain these storms can happen at any time of year. Nor’easters begin to develop on a 100 mile stretch east or west of the coast that starts in the Gulf of Mexico, or somewhere north east of it. There are some cases where they can develop in the Midwest, but commonly it’s east of New England. As nor’easters work their way up, their intensity increases. They hit a peak level of intensity in the New England area. In the warmer months, they are responsible for high winds, torrential downpours or extreme amounts of snow, and flooding.

Types of Damage

Once a nor’easter begins, its destruction can have a negative impact on an area. Since many of the cities affected are coastal, that puts them at an increased risk for devastating flooding. The high winds can also break windows, pick up items that destroy anything in their path, and much more. In addition, power lines are downed, and roads become impossible to drive on due to debris and flood waters. It’s said that the recent string of back to back nor’easters have caused nearly $1 billion in damage.

Working with Clients and Overflow

During large storms such as nor’easters, insurance companies should expect to have an influx in claims. In fact, thousands and thousands of people may experience some type of damage thanks to the high winds and flooding. As you hear about potential weather threats to areas you serve, it is crucial to have a plan in place to accommodate customers. You will be working with scared and frustrated homeowners, so it is important to remain calm. Know their frustration is not necessarily with you if they are angry. Do your best to assure them you are helping every way you can. If you do not think your company can handle the influx of claims, utilize the service of a claims service. It will help you keep your business and triage the calls that come in.

With a new season upon us, make sure your business knows the latest on spring inclement weather safety and catastrophe claims. Have your backup plan ready by using Aspen Claims Service as your go-to claims adjusting service. Our team of adjusters will help you if your business has an incoming influx of traffic due to inclement weather. Call us at 888-819-5904 today to see how we can work together.
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