@@gt4real377 We bill the Insurance carrier full price for the service we complete based on arranged pricing from them. When the bill is paid, it goes to the firm, who then takes out 40% for themselves and gives us the rest. We pay our taxes from that amount. Hotel and expenses are all of our responsibility and you pay those as they are incurred. The firm pays every two weeks for work completed and turned in. CAT work pays more, so there is plenty of money for hotels.
No, the hotel, food, travel, or all your responsibility. The good thing is, is that catastrophe work considers the extra expenses that we will incur, so the fee schedule is higher. It always pays off.
I have my Indiana license. We’re looking at a above average hurricane season. I just had my first child. So im sad to leave and go out but Im giving her a different life style than I had. Im a residential independent adjuster. My neighbor told me about this. They made 47k in one month. This is big money more than what people know it’s absolutely ridiculous on how much you can make in hurricane season. I got a call back already to get deployed. I’m on 2 roster. The other pays better. You can become rich an have plenty of time to have with family after you come home. I’m so happy I did this
You are so true and congratulations. I am happy for each person that finds this career and finds that hard work can get you an amazing income. No need to slave for an employer who pays you $15-$20 an hour and never appreciates you. That’s a thing of the past. I’m so happy for you. Keep it up!
@@danieltheadjuster that’s exactly how I feel. Hey is there anyway I can get in contact with you. Im in need for a good mentor. I can talk to and get more information
This is really amazing information. I’ve been a loan officer for the past 11 years in the mortgage industry and ready for a career change. Was a bit nervous starting something new but this brings so much clarity to what I need to do. Thank you a bunch!
Credit vs cash: Why wouldn't you use the credit card first, WITH the cash backup to pay that bill to settle back to 0 and restart? You earn better premiums on the credit cards. Also, take cash with you. There is a chance that there is no power or internet in places that you'll need: food/gas/misc. Those will only be accepting cash. Thanks for the vids.
This is valuable information for free I just paid 1,500 for a 2 week training this was 5 weeks ago everything you are saying is spot on. There was 22 people in the class 3 are currently working the difference they paid for the training for the Xactimate 1 cert and they also paid for the state pre-licensing exam you have to be willing to invest in your education if you truly want to succeed in this field or any other. I have a background in disaster restoration so I am familiar with the scope of work that has to be done during a loss, but the testing is were I am lacking in testing struggling with state licensing exam
As I young ambitious man from Uganda with a National Diploma in Land management& Valuation currently pursuing my Bachelors in Land Economics, who has been at site doing roofing with my Dad since 2016. I find this absolutely interesting for my specialization, though property loss adjustment is minimal locally.
Great video Daniel! Newly adjuster’s like myself definitely could use more content like this! Any tips on what to say when talking to recruiters on the phone? Thank you again, appreciate the content.
Thank you so much for watching my videos. When talking to recruiters on the phone, you’re going to be drawing their attention to your résumé. So a simple conversation would be ….As you notice from my résumé, I have plenty of experience in the customer service field, which would be beneficial in this line of work. You pretty much want to draw their attention to your résumé which should speak for itself. That’s why it’s so important to have a good résumé. If you don’t have one, then you need to build one.
If you are a staff employee Adjuster, then that might be true. As an independent adjuster, no firm pays for your Xactimate subscription. And they rarely use any other system.
The Carrier makes the fee schedule, so it is different for each insurance company. Check out this video. ua-cam.com/video/kvuSnIcYNww/v-deo.html it will explain a lot. Expenses are all of your responsibility but there is plenty of money on CAT deployments for expenses.
Great video Daniel! Wow! My husband and I are getting our licenses next week or so and are going to do CAT as a TEAM. We just got off the road from driving all 48 and Canada. We drove for the military. It was so much fun and we did it for 15 years. We retired in January 2022 and now we are bored LOL. Still young but decided to do Insurance Adjusting together. We live in Florida and need all the help we can get. Any recommendations for us? Your videos are GREAT! Love the honesty. Thank you so much. God bless and much luck for you and your future. Jackie
Jackie, thank you for your comment. I dreamed about working Claims with my wife. It would be such a blessing. Two incomes, and being together all those hours. Congrats. As long as you plug-in to every storm event you can get into, your experience will grow and then you will be a hot commodity. You’re on the right track. Keep it up.
Great video and from reading your replies to questions in the comments you seem to be a really great person. A friend was telling me about this kinda work, he was looking at the CAT part of it but will never get past the "LOOKING" part. On the other hand, I'm a heavy equipment operator/ foreman which I like except for the dust, mud, grease, and by the hour. I'm also a triple amputee that doesn't get a disability check and been working every day like that for the past 17 years. I'm 50 now I still have my knees and elbow so I still climb ladders and walk through rough terrain every day. I was wondering about the automotive side of it and how hard is it after you get the fundamentals completed to find work as an independent? And what are the cons of doing automotive?
Thank you so much for watching my videos. Being disabled has got to be tough, but the auto adjusting side is a terrific fit for you. I have seen disabled people work for State Farm as an independent adjuster, in the auto industry. Desk adjusting can make you about $100,000 a year, and they are very accepting of people with disabilities. This is a position that you could do well into your old age. I knew a guy who was 90 that was doing this job.
You definitely want to have Internet available through your cell phone making it into a hotspot. I actually write everything at home. Inspect in the morning, done by noon, then come home and write till 7. This has worked out perfectly for me. I do the same thing on a catastrophe. I inspect 5 homes, back to the hotel by 1 or 2, write till midnight.
Check out this video. It does explain some of the items I use. Look in the description of the video. The items are listed. ua-cam.com/video/XjQ1sjxxHyQ/v-deo.html
Morning Mr. Daniel. I’m currently employed with a big insurance company and I hate it. I really want to get into adjusting or even private investigation and claims. Any pointers on what I hold be a good start with little experience as far as which adjusting career is best to go independent. Thanks in advance
@bino6754 Independent is definitely the way to go. This way you can choose any route of insurance adjusting to jump in to. The first type of adjusting is desk adjusting (Auto or Property). Everything builds from this.
I’m 18 years old and just out of high school and haven’t fully decided on what career path I want to take yet. I’ve been looking into being an adjuster for the past couple of days and it looks like something I would like to do and I hear the money is definitely there. I honestly don’t know much about houses or much of anything to be honest lol, I was just wondering how hard do you think it would be for a young guy(like me) to become a cat adjuster and maybe some other tips? Thanks! (I also live in ok)
Wow! Being 18 and getting an opportunity to start this career would be a dream. Key factor is training, not age. If you know your stuff, it doesn’t matter your age. Study my videos, study other UA-cam videos, get Xactimate training , get licensed, get rope and harness training, then call the firms. Enthusiasm is what people want. Self motivation, not settling for second best, and a heart to succeed and you will be set for life. Great opportunity for you here. Good luck!!
@danieltheadjuster Hello Daniel! Thank you for your video. I’m a Florida Resident and currently have my All Lines Adjusters License 6-20 I love the property industry as I have worked for a TPA now over 3 years I in fact train our newer colleagues that come aboard with us on Xact Analysis, (Claims Connect aka CoreLogic/Symbility) you probably have heard of XA but maybe not so much of CoreLogic. Anyhow, I have not yet actively worked with my adjusters license but ready to pursue it. I have been looking for good beginners training for Xactimate in fact my company provides some of them but I have not come across a good beginners one yet. Do you have any suggestions for a “beginner” but with experience (if that makes any sense at all) on where I can begin? Learn how to write estimates etc.? Thank you again for the post!! Taylar
Taylor, thanks for your comment. And yes, I know CoreLogic very well. In fact, I was using Symbility for several years. As far as the new adjuster course, I would look into the firms. Alacrity, formally, Worley, had some really great training courses for New Adjusters. I took one and was very pleased. There are a lot of firms that are doing this now. The good thing is that once you are trained with them, they are more likely to deploy you. Good luck out there
@gissellgarcia9272 It's hard to say....since COVID hit, there are a lot more remote positions available...But I know that you will need to have experience in order to qualify for these positions. Doesn't hurt to ask!
Daniel, I've briefly searched for conferences and holy cow there are a lot! Prices range significantly also. Are there any in particular you recommend specifically for a licensed adjuster with no experience? Looking for both education and networking opportunities. Thank you!
Dustin: There are many conferences but not all are necessary. I could only recommend a couple that I went to in the past. Alacrity, Wardlaw, and Allcat. My stipulations to go are limited to 2 goals. How many CE hours are they offering for my State and how many classes will actually benefit my resume? As far as where they are, what events they are doing, food, etc, these are irrelevant to me. Use this time to build your knowledge, gain CE hours and get a certification or two. Hope this helps.
Do you know any good in person "learn your house" courses? I got my license a few months back. I'm still working my old 9-5 until I know xactimate, my house, and rope and harness. I don't want to get on rosters then get the call and not know what the heck I'm actually doing. Love the videos! - Greg (Baton Rouge, LA)
Hey Greg, sounds like you’re on the right path. Check out some of my other videos. I have gone over some of the main parts of a house that you need to know for inspections. Otherwise the best thing to do is look on UA-cam and search for remodeling videos. This will help you see the inside of the house as if it was being built. You pretty much need to know behind the walls of a house in order to write an estimate. Hope this helps.
As an Independent Adjuster, you make your own schedule. The claims come in pretty regularly by email and you can schedule those however you would like to schedule. If you need time off, don’t schedule a claim on that day. Unfortunately if you are bombarded with Claims during the busy season, then your vacation time may need to be postponed until the fall and spring. Generally, I takeoff time whenever I need it.
I use the Werner folding ladder, that extends to about 21 feet. I also have a very small version of the same ladder, that extends to about 9 feet. This combination is perfect to get on 99% of the roofs. Lowes or Home Depot sells them both. I think there is a link in my description of the video under the products I use.
Do you have to live in Indiana to apply for a license there? I am currently obtaining my LA license (currently a week project), or should I just wait for reciprocity?
The short answer is, obtain your license in your home state. Then apply for Indiana,Texas, or Florida. They all reciprocal to many other states. Indiana is the best as it reciprocals to more States.
Thanks! What would you say my next steps are in terms of finding of work i’m sort of lost on what to do, i’m currently trying to get more comfortable with Xactimate.
@matthewadeyemo6717 Thanks for your question. So many questions can be answered with this video below. Take lots of notes and follow this plan. It will help you a lot. ua-cam.com/video/bdt7P9_dT5w/v-deo.html
Let me know if you have any questions---Glad to help!
How does invoices work and the time to get paid ? Do the pay for you hotel up front or afterwards?
@@gt4real377 We bill the Insurance carrier full price for the service we complete based on arranged pricing from them. When the bill is paid, it goes to the firm, who then takes out 40% for themselves and gives us the rest. We pay our taxes from that amount. Hotel and expenses are all of our responsibility and you pay those as they are incurred. The firm pays every two weeks for work completed and turned in. CAT work pays more, so there is plenty of money for hotels.
Daniel Great video. Very informative. One question for you. Do you get reimbursed for the hotel and food expenses when you traveled?
No, the hotel, food, travel, or all your responsibility. The good thing is, is that catastrophe work considers the extra expenses that we will incur, so the fee schedule is higher. It always pays off.
I have my Indiana license. We’re looking at a above average hurricane season. I just had my first child. So im sad to leave and go out but Im giving her a different life style than I had. Im a residential independent adjuster. My neighbor told me about this. They made 47k in one month. This is big money more than what people know it’s absolutely ridiculous on how much you can make in hurricane season. I got a call back already to get deployed. I’m on 2 roster. The other pays better. You can become rich an have plenty of time to have with family after you come home. I’m so happy I did this
You are so true and congratulations. I am happy for each person that finds this career and finds that hard work can get you an amazing income. No need to slave for an employer who pays you $15-$20 an hour and never appreciates you. That’s a thing of the past. I’m so happy for you. Keep it up!
@@danieltheadjuster that’s exactly how I feel. Hey is there anyway I can get in contact with you. Im in need for a good mentor. I can talk to and get more information
Leave me any questions you’d like in the comments. It would benefit others if they saw your questions and saw my answers. I’m here to help everyone
I have taken Xactimate 1&2 classes, I preparing for test. Should I wait to apply until I pass and have the certifications?
This is really amazing information. I’ve been a loan officer for the past 11 years in the mortgage industry and ready for a career change. Was a bit nervous starting something new but this brings so much clarity to what I need to do. Thank you a bunch!
You got this! You are welcome. Love to help! Anyone can do this. Just have to have lots of self-motivation.
Credit vs cash:
Why wouldn't you use the credit card first, WITH the cash backup to pay that bill to settle back to 0 and restart? You earn better premiums on the credit cards.
Also, take cash with you. There is a chance that there is no power or internet in places that you'll need: food/gas/misc. Those will only be accepting cash.
Thanks for the vids.
Good point! Thanks for watching.
excited about the future man. you give me energy ahaahahah i love it brotha
Glad to help!, Thanks for watching!!
This is valuable information for free I just paid 1,500 for a 2 week training this was 5 weeks ago everything you are saying is spot on. There was 22 people in the class 3 are currently working the difference they paid for the training for the Xactimate 1 cert and they also paid for the state pre-licensing exam you have to be willing to invest in your education if you truly want to succeed in this field or any other. I have a background in disaster restoration so I am familiar with the scope of work that has to be done during a loss, but the testing is were I am lacking in testing struggling with state licensing exam
Appreciate your kind words. Glad I could help
As I young ambitious man from Uganda with a National Diploma in Land management& Valuation currently pursuing my Bachelors in Land Economics, who has been at site doing roofing with my Dad since 2016. I find this absolutely interesting for my specialization, though property loss adjustment is minimal locally.
@behaisaemmanuel3396 Very Good! Thanks for watching
Great video Daniel! Newly adjuster’s like myself definitely could use more content like this!
Any tips on what to say when talking to recruiters on the phone?
Thank you again, appreciate the content.
Thank you so much for watching my videos. When talking to recruiters on the phone, you’re going to be drawing their attention to your résumé. So a simple conversation would be ….As you notice from my résumé, I have plenty of experience in the customer service field, which would be beneficial in this line of work.
You pretty much want to draw their attention to your résumé which should speak for itself. That’s why it’s so important to have a good résumé. If you don’t have one, then you need to build one.
Wow! Thanks for the information D!
Anytime!!
Hi Daniel, what do you think of Pilot catastrophe training? Would you recomend
@SGHvidzNthings Yes, I would highly recommend them. I worked for them before. Very professional.
I have my home state license just saving up money for my tools and xactimate now thanks your video was very helpful! I liked it and subscribed thanks
Thanks so much for watching and congrats!! You are on your way!!
I wouldn’t pay for Xactimate most ia firms will supply you with it and other firms will have their own system
If you are a staff employee Adjuster, then that might be true. As an independent adjuster, no firm pays for your Xactimate subscription. And they rarely use any other system.
Gotta get back to it. Im in the middle of my course thnk u for this information very helpful. Hope to see u on the field😁
Glad I could help. Looking forward to it.
Really great information! Thank you Daniel
You are welcome. Thanks for watching!!
Studying for my test right now, great video thank you!
Fantastic! glad you enjoyed it. You are on your way.
How much would you get paid for each claim , how does the expenses get paid on deployment? I would rent a Suv for example .
The Carrier makes the fee schedule, so it is different for each insurance company. Check out this video. ua-cam.com/video/kvuSnIcYNww/v-deo.html it will explain a lot. Expenses are all of your responsibility but there is plenty of money on CAT deployments for expenses.
Great video Daniel! Wow! My husband and I are getting our licenses next week or so and are going to do CAT as a TEAM. We just got off the road from driving all 48 and Canada. We drove for the military. It was so much fun and we did it for 15 years. We retired in January 2022 and now we are bored LOL. Still young but decided to do Insurance Adjusting together. We live in Florida and need all the help we can get. Any recommendations for us? Your videos are GREAT! Love the honesty. Thank you so much. God bless and much luck for you and your future. Jackie
Jackie, thank you for your comment. I dreamed about working Claims with my wife. It would be such a blessing. Two incomes, and being together all those hours. Congrats. As long as you plug-in to every storm event you can get into, your experience will grow and then you will be a hot commodity. You’re on the right track. Keep it up.
My wife and I are looking to do this together as well. How are things going? Have you been deployed, any cat duty yet?
This is the best career for couples. So glad for you.
Great video and from reading your replies to questions in the comments you seem to be a really great person.
A friend was telling me about this kinda work, he was looking at the CAT part of it but will never get past the "LOOKING" part. On the other hand, I'm a heavy equipment operator/ foreman which I like except for the dust, mud, grease, and by the hour. I'm also a triple amputee that doesn't get a disability check and been working every day like that for the past 17 years. I'm 50 now I still have my knees and elbow so I still climb ladders and walk through rough terrain every day. I was wondering about the automotive side of it and how hard is it after you get the fundamentals completed to find work as an independent? And what are the cons of doing automotive?
Thank you so much for watching my videos. Being disabled has got to be tough, but the auto adjusting side is a terrific fit for you. I have seen disabled people work for State Farm as an independent adjuster, in the auto industry. Desk adjusting can make you about $100,000 a year, and they are very accepting of people with disabilities. This is a position that you could do well into your old age. I knew a guy who was 90 that was doing this job.
Newer than new adjuster here.. I heard that X1 is based in the cloud, so how do you write an estimate at the insureds home without internet?
You definitely want to have Internet available through your cell phone making it into a hotspot. I actually write everything at home. Inspect in the morning, done by noon, then come home and write till 7. This has worked out perfectly for me.
I do the same thing on a catastrophe. I inspect 5 homes, back to the hotel by 1 or 2, write till midnight.
Do you have a video regarding what gear is all needed when you first start field adjusting.
Check out this video. It does explain some of the items I use. Look in the description of the video. The items are listed. ua-cam.com/video/XjQ1sjxxHyQ/v-deo.html
@@danieltheadjuster Thank you!! Keep the video coming it has been very useful.
@@krowned_ej1936 Thank you so much!! Will do!!
You are welcome!!
Morning Mr. Daniel. I’m currently employed with a big insurance company and I hate it. I really want to get into adjusting or even private investigation and claims. Any pointers on what I hold be a good start with little experience as far as which adjusting career is best to go independent. Thanks in advance
@bino6754 Independent is definitely the way to go. This way you can choose any route of insurance adjusting to jump in to. The first type of adjusting is desk adjusting (Auto or Property). Everything builds from this.
I’m 18 years old and just out of high school and haven’t fully decided on what career path I want to take yet. I’ve been looking into being an adjuster for the past couple of days and it looks like something I would like to do and I hear the money is definitely there. I honestly don’t know much about houses or much of anything to be honest lol, I was just wondering how hard do you think it would be for a young guy(like me) to become a cat adjuster and maybe some other tips? Thanks! (I also live in ok)
I’m more interested in being independent
Wow! Being 18 and getting an opportunity to start this career would be a dream.
Key factor is training, not age.
If you know your stuff, it doesn’t matter your age. Study my videos, study other UA-cam videos, get Xactimate training , get licensed, get rope and harness training, then call the firms. Enthusiasm is what people want. Self motivation, not settling for second best, and a heart to succeed and you will be set for life.
Great opportunity for you here. Good luck!!
Only way to go, be your own boss!
I’m in the same position I graduate in a few weeks and am set on making this my career but I’m nervous to go into it.
I totally get your hesitation. But I can tell you this is a very lucrative and fulfilling job to be a part of
@danieltheadjuster Hello Daniel! Thank you for your video. I’m a Florida Resident and currently have my All Lines Adjusters License 6-20 I love the property industry as I have worked for a TPA now over 3 years I in fact train our newer colleagues that come aboard with us on Xact Analysis, (Claims Connect aka CoreLogic/Symbility) you probably have heard of XA but maybe not so much of CoreLogic. Anyhow, I have not yet actively worked with my adjusters license but ready to pursue it. I have been looking for good beginners training for Xactimate in fact my company provides some of them but I have not come across a good beginners one yet. Do you have any suggestions for a “beginner” but with experience (if that makes any sense at all) on where I can begin? Learn how to write estimates etc.? Thank you again for the post!!
Taylar
Taylor, thanks for your comment. And yes, I know CoreLogic very well. In fact, I was using Symbility for several years.
As far as the new adjuster course, I would look into the firms. Alacrity, formally, Worley, had some really great training courses for New Adjusters. I took one and was very pleased. There are a lot of firms that are doing this now. The good thing is that once you are trained with them, they are more likely to deploy you.
Good luck out there
Is too hard to get remote work at first ?
@gissellgarcia9272 It's hard to say....since COVID hit, there are a lot more remote positions available...But I know that you will need to have experience in order to qualify for these positions. Doesn't hurt to ask!
I live in Texas, could it possible that I can get Indiana instead of Texas??
Unfortunately since you live in TX, you are required to get you TX license first. You can reciprocate Indiana.
Daniel, I've briefly searched for conferences and holy cow there are a lot! Prices range significantly also. Are there any in particular you recommend specifically for a licensed adjuster with no experience? Looking for both education and networking opportunities. Thank you!
Dustin:
There are many conferences but not all are necessary. I could only recommend a couple that I went to in the past. Alacrity, Wardlaw, and Allcat. My stipulations to go are limited to 2 goals. How many CE hours are they offering for my State and how many classes will actually benefit my resume? As far as where they are, what events they are doing, food, etc, these are irrelevant to me. Use this time to build your knowledge, gain CE hours and get a certification or two. Hope this helps.
Do you know any good in person "learn your house" courses? I got my license a few months back. I'm still working my old 9-5 until I know xactimate, my house, and rope and harness. I don't want to get on rosters then get the call and not know what the heck I'm actually doing. Love the videos! - Greg (Baton Rouge, LA)
Hey Greg, sounds like you’re on the right path. Check out some of my other videos. I have gone over some of the main parts of a house that you need to know for inspections. Otherwise the best thing to do is look on UA-cam and search for remodeling videos. This will help you see the inside of the house as if it was being built. You pretty much need to know behind the walls of a house in order to write an estimate. Hope this helps.
One question, how does time off work or how do u get time off?
As an Independent Adjuster, you make your own schedule. The claims come in pretty regularly by email and you can schedule those however you would like to schedule. If you need time off, don’t schedule a claim on that day. Unfortunately if you are bombarded with Claims during the busy season, then your vacation time may need to be postponed until the fall and spring. Generally, I takeoff time whenever I need it.
Do you do individual mentoring?
At this time I do not, but in the future I might be starting a program.
What ladder do you recommend
I use the Werner folding ladder, that extends to about 21 feet. I also have a very small version of the same ladder, that extends to about 9 feet. This combination is perfect to get on 99% of the roofs. Lowes or Home Depot sells them both.
I think there is a link in my description of the video under the products I use.
Good info
Thanks buddy!!
Do you have to live in Indiana to apply for a license there? I am currently obtaining my LA license (currently a week project), or should I just wait for reciprocity?
The short answer is, obtain your license in your home state. Then apply for Indiana,Texas, or Florida. They all reciprocal to many other states. Indiana is the best as it reciprocals to more States.
@@danieltheadjuster Thank you for your reply!
Anytime!!
@@sierrabowe8713 you are welcome!
I was licensed in TX in 25.5 hrs. Real quick
@hairbytyger6916 Nice!
Hi Daniel from Indiana older 60 want to start how old are you
I am 56
@@danieltheadjuster thank you is 60 to old
Absolutely not, there was an 85-year-old guy that was a desk adjuster for State Farm. They will hire everyone.
Thank you
i applied for my license in texas 1-23-2024 it came literally 14 hours later
@matthewadeyemo6717 That's amazing! I have never heard that before!!
Thanks! What would you say my next steps are in terms of finding of work i’m sort of lost on what to do, i’m currently trying to get more comfortable with Xactimate.
@matthewadeyemo6717 Thanks for your question. So many questions can be answered with this video below. Take lots of notes and follow this plan. It will help you a lot.
ua-cam.com/video/bdt7P9_dT5w/v-deo.html
Is this Daniel from the zoom meeting?😅
could be----I'm not telling! 😆
🎉🎉🎉
Thanks!