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What To Do To Become an Insurance Claims Adjuster

February 21, 2018

Are you looking for your next career opportunity in insurance? For some, the field is attractive, but they do not want to be at a desk all day. If this is you, you are in luck! Becoming an insurance claims adjuster is the perfect opportunity to keep you in the industry with a new experience every day. Learn more about this profession, education and licensing needed, and information about working for a claims service.

Profession Overview

Claims adjusters work alongside insurance companies when claims are submitted. These individuals are responsible for going on-site, or wherever is needed, to review damage to a property. In addition, there is a research component to this role. Claims adjusters will do all the work needed to find any important paperwork, facts, and other relevant information that will help finalize the situation. From talking to witnesses to gathering important documentation, the claims adjuster builds the file. Once put together, they review their findings then report back to the insurance company on how much the claim is worth based on the facts, claimant’s insurance policy, and all other important factors. On average, an adjuster can make just over $30 per hour, according to the Bureau of Labor Statistics.  

Education and Licensing

Entry level claims adjusters can get into the field with just a high school diploma. However, for more advanced career paths, an associate or bachelor’s degree and/or experience in the insurance industry is asked for. When it comes to licensing, each state is different. By becoming a claims adjuster, you can work in a variety of fields from administrative and health, to the government. When it comes to claims adjuster careers, working with a claims service is a great way to build experience. In this role, you will be away from a traditional office setting, allowing each day to be unique. It is a field with slow growth, with openings coming up over the next few years.

Working for a Claims Service

Noted earlier, working for a claims service is a great way to grow and advance your career in the insurance industry. They use some of the latest technology and software to help you do your best when working on various claims for your customers. There is also a wide variety of opportunities available when they expand their area just from one state and work nationwide. Through a claims service, you can specialize in residential and commercial property losses, as well as daily and catastrophe claims. You are given the tools you need to do the best job you possibly can.

Are you ready to take the next step with your career? Consider working with our team at Aspen Claims Service. Serving the 48 continental United States, we have a variety of opportunities near you. With Aspen Claims Service, you will use the latest in technology, and have the tools you need for the profession. Explore our claims adjuster careers. By filling out our form and listing the state you live in, we can get back to you with
opportunities near you.

Winter Safety Tips for Businesses Explained by Insurance Adjusters

February 7, 2018

As a business owner, not only is it important to keep your area safe for customers—but it’s the law. You will want to make sure to abide by all laws to keep your employees and customers from experiencing dangerous falls that can become detrimental to your business. Make sure you learn about the laws in your area, creating a winter to-do checklist for staff, and when to submit claims to insurance adjusters.

Finding Laws in Your State

Each state has varying laws as to handling snow and ice removal for your business. In many cases, you have anywhere from 12 to 24 hours to clear off sidewalks, parking lots, and walkways. An easy way to see what is mandatory in your state is to review the complete guide to snow removal laws by state. In general, you will want to make sure your sidewalks are cleared and salted, doors can easily be opened, parking lots are clear, and any other safety precautions are cared for. In addition, make sure to remove any dangling icicles on your gutters. These can fall, posing as a threat to customers or employees. Also, ice hanging from a gutter can also create added weight causing them to bend and break.

Creating a Winter To-Do List for Staff

One of the best ways to ensure success for business is to create a plan. Pull together your staff that would like to help and work together putting together steps. This includes:
  • Individuals available to come in early or late to shovel, plow and spread ice
  • Timelines based on your state’s laws to ensure you are not penalized for not working quick enough
  • Pull together extra help that your staff may not be able to do
Take all of these aspects and put together a manual that is shared amongst the group, so everyone understands where their responsibilities are. It is also best to create a backup plan in case someone is unable to make it in to deal with snow maintenance. If you know you will have inclement weather, make sure everyone has their phones within quick distance so you can quickly communicate your plans.

When to Submit Claims

Unfortunately, accidents may happen. You may have issues from your roof, incidents with employees, or more. As soon as your business experiences any damage, contact your insurance company as soon as possible. From there, they will work with an adjuster to assess that situation. You are also welcome to contact your own adjuster to review the damage too, and can provide a second opinion on the damage.

When it comes to claims for your business, Aspen Claims Service can help. We have adjusters all across the continental United States that can quickly assist you in the event of a situation. It may help you to learn about the top types of winter claims insurance adjusters work with most often as you work through your winter maintenance plans. To get started, call us today at 888-819-5904 or email We are here to help you every step of the way to ensure your claim is submitted quickly and with timely results.

Differences between Daily and Catastrophe Claims

January 24, 2018

If you are new to the insurance field and would like to learn more about claims, it is important to know the differences between daily and catastrophe claims. It is especially beneficial for those looking to become independent insurance adjusters. Use this quick guide to learn about the insurance adjuster profession and the ins and outs of these two types of claims.

Adjuster Overview

A claims adjuster is the person who will work with an insurance company to assess damage. Upon submitting a claim, a home or property owner will hear from the adjuster—which will soon be followed up by a visit to see the physical evidence in person. From reviewing damage and speaking to witnesses, to looking through any records and reports, the adjuster will go through all of the ins and outs of the situation. From there, once they have compiled all evidence, it is time to put together a report as to what the insurance company will cover. There are also public adjusters that are slightly different than adjusters from insurance companies. Public adjusters will help a homeowner or entity if they feel they have not been fairly quoted from a claim they submitted. They can also help a person through the process.

A few other stats about claims adjusters, appraisers, examiners, and investigators from the Bureau of Labor Statistics include:
  • Median annual salary: $63,670
  • Education: High school diploma for entry level, bachelor’s degree or experience for higher-experience positions
  • Work environment: Travel to various locations

Daily Claims

Daily claims are standard, everyday problems that can arise. It can be anything from broken windows, busted pipes due to freezing, slips and falls, car accidents, or fire. Once a person has filed an insurance claim due to an emergency situation, the adjuster will go to assess what the problem is. For car incidents and other accidents in other areas, they may rely on testimony and notes from the scene, as well as photos, in addition to reviewing any physical evidence.

Catastrophe Claims

A catastrophe claim is an insurance claim due to a catastrophic event. Some of these include hurricanes, tornadoes, blizzards, hail, or severe storms. These will be approached differently as in many of these cases with homes, a person may not be able to live in it while they are waiting on repairs. Normally it is best if the home is inspected and assessed by the adjuster before repairs have started. This will ensure the adjuster can review the situation in full and nothing is missed.

No matter which type of event a claimant endures, the adjusters from Aspen Claims Service will come up with the amount the insurance company will pay back to them as soon as time allows. It will be presented as an offer. If you are looking to get into this field, learn about the common types of damage claims explained for new claim adjusters. You can also look into claims adjuster training to get started in this exciting field. Contact us today at 888-819-5904 for more information.

Top Types of Winter Claims Insurance Adjusters Work With Most Often

January 10, 2018

Winter can be a very busy time for insurance adjusters as there are a number of issues that homeowners face. Now is a great time to brush up on some of the common claims that may come through your insurance company’s door. With a little work now and preparation, in addition to assistance from a service, you’ll be able to handle all of your incoming demand. From damage inside the home, to outdoor issues, learn some of the top types of claims that occur in the winter, and what to do if you experience an influx in claims.

Indoor Damage

A common issue that homeowners face in the winter are bursting pipes. This occurs when water freezes in the pipe, changing the shape. So, why do freezing pipes burst? This change in shape leads the ice to expand, leading to a build-up in pressure. After a duration of time, the pressure is too much causing the pipes to burst. Good insulation and leaving a faucet on a slow drip in extreme cold temperatures can help avoid this. Another unfortunate problem that happens in the winter are house fires. From an influx in candles, to overloaded electrical outlets, there are a variety of issues that causes homes to catch fire. For some, they may use space heaters and other unconventional ways to produce heat that lead to a fire.

Outside Mishaps

When homeowners fail to perform proper outdoor maintenance, it can lead to costly fixes. One of the issues is broken gutters. If leaves and debris are not cleared before winter, they can clog gutters. After rain and snow, water will begin to pool and freeze in them. When this happens, gutters will sag and eventually break. Not only are customers having to pay for this fix, but likely issues with their roof as well. Windy days can also be problematic for homeowners, too. During hectic snow storms, winds can pick up debris outside that hit the top or sides of a home causing damage. In other cases, when there is one inch or more ice on a roof, it is more likely to cave in. Trees can also become overloaded with ice, causing branches to break that can fall onto a house.

Experiencing an Influx in Claims

Depending on the type of winter an area has, there may be an influx in claims. The best thing your insurance company can do is to be prepared. Make note of your season last winter, and the issues you may have had. You should also ensure you run an organized operation with procedures in place. If you find your business getting behind or having trouble keeping up with demand, did you know you can work with a claims service to assist with your overflow? They can provide adjusters to help address claims.

Are you having increased work flow? How to get assistance with insurance claims is important to learn. To help, contact the experts at Aspen Claims Service. We offer a wide variety of services for your insurance company. Call us today at 888-819-5904 to get started.

Working with Customers with Property Insurance on Their Large Loss Claim

December 13, 2017

As a claims adjuster, there will be times you will need to work with clients on large loss claims. This is something that our neighbors in California are unfortunately having to deal with due to the amount of wildfires in their state. Large losses such as these are incredibly stressful for homeowners. Anything you can do to make their experience go a little more smoothly will help ease this burden. The best thing you can do is to better prepare yourself on property insurance and aiding them with their claim. Learn about the different types of large losses, tips for working with customers, and when it is important to utilize assistance for an influx in customers.

Types of Large Losses

One of the most common large losses you will deal with in your claims adjustment career are fire losses. Each year, there is nearly $12 billion in losses due to fires. Many homeowners are not familiar with their insurance policies and often do not have the coverage for the entirety of the damage. The second most common claim is flooding. With over $2 billion in losses each year across the United States, it is an area you will have to cover as an adjuster at some point in time. Another large loss claim is due to earthquakes. Earthquakes are more prone to happen on the west coast in states such as Alaska, Washington, California, Idaho, Nevada, New Mexico, and Utah. The Midwest also has a few common areas in Missouri, Illinois, Kentucky, and Tennessee. Last are tornadoes and severe storms. While very common in the Midwest, tornadoes can strike anywhere when the conditions are right. There is approximately $10 billion in damage each year.

Tips for Working with Customers

The key to being a great claims adjuster is to be experienced and knowledgeable. Even if you are new to the field or just new to a position, make sure you know as much as you can when working with your customers. Be upfront with them and give them a list of everything that is needed, and possibly any tips on how to make it go more smoothly such as best practices for pictures, or how to file documentation. Next, have patience. While the loss is not your fault, they may be upset and direct their frustration at you. Try these seven steps for dealing with angry customers to be prepared for the situation.

Utilizing Assistance for Influx in Customers

Depending on a situation in the area you serve, you may have an influx in claims. In order to give each customer the time and attention they deserve, you may need to delegate. This is where a claims service can assist. By utilizing a claims adjuster service, you can have adjusters out in rural or urban locations quickly to assess damage and help with your excess of demand. You keep your sanity, and your customers stay happy. It’s a win for everyone!

If your business has increased and difficult to keep up, Aspen Claims Service has you covered. We are a national claims adjusting firm that provides adjusting services for residential and commercial property losses all across the United States. We hope you’ll choose The Aspen Difference for your customers! Call us today at 888-819-5904 today to see how we can help.