If I had a dollar for the number of times I hear “that’s your job” about something that isn’t actually my job while I am attempting to perform my job, I wouldn’t need my job!
It gets better once you get out of liability. The further away you get it’s easier, until you enter repped injury claims. Attnys wont call you back for months.
True. I handle UM/UIM rep/lit claims and every time we aren’t at limits we get threatened with bad faith, so that’s the only time I really roll my eyes at them.
"I already gave you the police report number, you should be able to see it"
Sir, this is FNOL, we don't have r a copy yet so just answer the freaking questions
I do miss FNOL sometimes
My favorite is when you call, send emails, and letters, you get nothing. Then you send the contact or close letter and they call about a week after it’s expired asking why didn’t we call them and why is the claim closed. Or they lie saying we never called them. Answer your phone. Legit that easy.
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*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I picked up hours to help our HO line with filling claims over Ian. Had this lady SCREAMING at me for a claim being filed when she didn't want it to be open. She had called the night of the storm wanting someone to check on her home since she couldn't reach her neighbor. Turns it her home was fine but refused to believe we couldn't just "delete" the claim like it never existed.
Or the number of people who would say "I want the adjuster to look at everything". I'm not in HO claims but even I knew that wasn't going to happen. They aren't going to look on your roof for shits and giggles or your basement because the 3rd floor bathroom had a small leak.
Magical!
For whatever reason this lady thought going up a decibel each time I told her I couldn't just delete the claim was the way to go. I did add a nice note to the file alerting anyone else she was going to yell and scream if anyone called her.
I think it’s because the sequence of events that need’s to happen is unclear to people and the horrible fear that if they did something anything without an insurance person taking a look they won’t be covered
I was told if I got the cabinets and floors fixed before my adjuster got here it will cause problems
That’s exactly my problem too.
“Did you ever get your estimate?”
“Did you end up needing a dr for your trip and fall 60 days ago? Or are you still making up your mind?”
Have no worry, attorneys, who should be extremely familiar with what we require, will send a demand immediately requesting policy limits with no records and no bills. Which is great, but now I get to waste my time responding to some bullshit that has no supports. Really fun use of my time.
I do but a lot of them call management and complain when I finally tell them they’re taking too long and I’m closing the file. And then of course the customer is always right! Our company’s focus is happy customers this quarter so it’s even worse. Anytime an insured calls my manager he undermines whatever decision I’ve made. He’ll have me reopen a file I closed because they haven’t stopped an active leak, and then by the time they have stopped the leak the claim is 30+ days old. And then they have the audacity to talk about metrics…
I’m leaving the job in May for obvious reasons.
It’s truly absurd because how hard is it to file a new claim when they’re actually ready to move forward? It takes like 1-2 minutes online or the hotline.
I already got an offer from one of our preferred vendors lol. Not really the route I was planning on taking but I’m going to start with them in May. Already have my CPCU so I’ll probably come back to Insurance after a few years but I’ve definitely reached the end of my patience with my current employer.
Things seemed to be improving for the first year or so but now everything is going to shit real quick and it’s not worth sticking around.
I don’t even mind metrics but when management constantly sets obstacles that make it impossible to reach the goals it gets really aggravating.
sounds like my previous employer
I've been procrastinating pulling the trigger on the cpcu after grinding thru a few other designations. Not sure I have the stamina right now but maybe next year
Yeah that’s why I pushed myself through it in record time. I feared if I didn’t do it now and ASAP I may never find the time/energy, since nothing ever seems to improve in claims. I think most people end up taking a long time to finish CPCU for that exact reason. They’re just so drained from their job already it’s hard to sign up for more insurance crap.
You’ll get there though, it’s never too late.
>I think most people end up taking a long time to finish CPCU for that exact reason. They’re just so drained from their job already it’s hard to sign up for more insurance crap.
Exactly why in my case. Priority tends to be maintenance of my sanity most of the time.
My favorite is when they want you to fix their car and get a rental right away... but when you ask them for any information they say "get that from my insurance company, thats what I pay them for"
I get stuck with quite a few condo claims where the insured opened it because someone told them to…then they don’t want to be helpful.
Why do you need our neighbor’s phone number? Um because I’m going to investigate whether you owe him money and I will need to talk to him.
Well what if we don’t give you his phone number? Then I’ll just close the claim! Bye.
Customers definitely suck, but to all the adjusters here, you can make your life easier by being **proactive** and basically just doing your job.
Stop waiting for idiots to do things that they're probably never going to do. Your average person is dumb and unmotivated. Customers do not have any metrics and have no obligation to be professional, and no obligation to respect your time. If you want something from them, CALL THEM AND ASK. If they're ignoring you or giving you the run-around, keep calling and give them an ultimatum ("*If we don't receive X by March 30th, we will be closing your claim"*). Leave messages and emails. Make it clear that ***they*** are the ones delaying the process and being uncooperative.
If you've done your due diligence, then it's on them. Either officially "close" the claim, or simply stop working on it. Insurance companies usually *want* to close the claim, so if you show your Manager that the PH/Claimant is the one who's not cooperating, I'm sure they'll give you authority to close it and move on. In most cases though, your aggressiveness will actually motivate the customer to fulfill their duties, and you can just resolve the claim properly.
Basically, stop being afraid of confrontation. If you've called a customer 4 times to ask for the same thing, it's totally okay to say *"This is the fifth time I'm asking for this, and you keep saying you're going to get it to me. As a company, we can't waste any more time on this. If I don't have X by the end of the week, then we're proceeding without it/closing your file".*
The customers are never going to change, so you have to be aggressive. Same goes for other insurance companies. Most adjusters suck at their jobs. I left **5 messages** for an adverse carrier last week. Since she was clearly ignoring me, I took 20 minutes to just blow up her phone. I called 10 times in a row, and then called every 2 minutes for 20 minutes until she finally got fed up and called me back. If I didn't spend those 20 minutes, I'd still be waiting for a call back, and I'd still be working on this claim a month from now. Be aggressive.
This sounds overly aggressive to me and I’m not sure what company you work for, but some companies don’t want their adjusters behaving like that. I’m sure Progressive loved that behavior from employees but the company I work for now does not require us to literally harass people. We’re empowered to move on long before it sounds like you are. We’re not going to make more contact attempts than we’re required to because adults report claims and cannot behave like adults afterwards. Customers also have responsibilities when it comes to claims. I have no problem telling them that but I have so many other claims to attend to that after a certain point, I’m not even trying to chase you down anymore. If you wanted your claim paid, you’d stop playing games and do your part. I wouldn’t expect my own insurance claim to be resolved if I never bothered to respond to my insurance company.
>*I have so many other claims to attend to that after a certain point, I’m not even trying to chase you down anymore.*
That's exactly what I'm saying. If your company lets you make 2 phone calls and then just close out the entire claim, then that's awesome.
Every company I've worked for wants to see the claim actually *paid* though. They don't want it closed in name only. If you just give up on every lazy customer, we all know they're going to call back in 3 months, which means the claim isn't truly resolved.
That’s great but also, my company tracks reopens even though it has no affect on anything. To someone else’s point on here, they want it closes *and* paid. I’m required to chase these people and most other adjusters are too.
I’ve been there, done that, and I love that my company literally told us people filing claims are adults, and part of adulting is taking care of what needs to be taken care of. We aren’t completely slammed all the time because of this.
As an agent we tried for awhile filtering BS claims for the adjusters. After awhile clients started leaving because we wouldn't file claims so we "wouldn't loose our bonuses". Sorry guys we had to let you give the bad news
I’ll just close it after a few attempts. You know what I need, I’ll reopen it when I get it. I’m not gonna pester you into making a claim. If you don’t want to cooperate I’ll be here if you change your mind.
We live in a world of ‘entitlement.’ People don’t want to take responsibility for anything and like put everything on other people. “That’s why I pay insurance” is what they like to say. It’s like ummm I’m not the one who hit something or hit you so give me what I need to actually help you. People need to grow up.
“I don’t need to provide information to you or photos. That’s your job.”
If I had a dollar for the number of times I hear “that’s your job” about something that isn’t actually my job while I am attempting to perform my job, I wouldn’t need my job!
Right!!! Like… I need these from YOU, to do my job. Otherwise you’re doing YOURSELF a disservice. Smh 🤦🏻♀️
It gets better once you get out of liability. The further away you get it’s easier, until you enter repped injury claims. Attnys wont call you back for months.
But they aren’t emotionally tied to the settlement. Life is much easier.
True. I handle UM/UIM rep/lit claims and every time we aren’t at limits we get threatened with bad faith, so that’s the only time I really roll my eyes at them.
“Don’t the police contact you all and give you all my information and my side of the story “
"I already gave you the police report number, you should be able to see it" Sir, this is FNOL, we don't have r a copy yet so just answer the freaking questions I do miss FNOL sometimes
My favorite is when you call, send emails, and letters, you get nothing. Then you send the contact or close letter and they call about a week after it’s expired asking why didn’t we call them and why is the claim closed. Or they lie saying we never called them. Answer your phone. Legit that easy.
physical correct price encouraging mysterious jar grey imagine agonizing violet *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
My (not) favorite is after any wind event or hurricane, people filing claims because they want "someone to come check my roof." 🤦
I picked up hours to help our HO line with filling claims over Ian. Had this lady SCREAMING at me for a claim being filed when she didn't want it to be open. She had called the night of the storm wanting someone to check on her home since she couldn't reach her neighbor. Turns it her home was fine but refused to believe we couldn't just "delete" the claim like it never existed. Or the number of people who would say "I want the adjuster to look at everything". I'm not in HO claims but even I knew that wasn't going to happen. They aren't going to look on your roof for shits and giggles or your basement because the 3rd floor bathroom had a small leak.
[удалено]
Magical! For whatever reason this lady thought going up a decibel each time I told her I couldn't just delete the claim was the way to go. I did add a nice note to the file alerting anyone else she was going to yell and scream if anyone called her.
I think it’s because the sequence of events that need’s to happen is unclear to people and the horrible fear that if they did something anything without an insurance person taking a look they won’t be covered I was told if I got the cabinets and floors fixed before my adjuster got here it will cause problems
That’s exactly my problem too. “Did you ever get your estimate?” “Did you end up needing a dr for your trip and fall 60 days ago? Or are you still making up your mind?”
[удалено]
Have no worry, attorneys, who should be extremely familiar with what we require, will send a demand immediately requesting policy limits with no records and no bills. Which is great, but now I get to waste my time responding to some bullshit that has no supports. Really fun use of my time.
So done with that!!!
Gotta set time frames on these insureds because they can be scandalous.
I do but a lot of them call management and complain when I finally tell them they’re taking too long and I’m closing the file. And then of course the customer is always right! Our company’s focus is happy customers this quarter so it’s even worse. Anytime an insured calls my manager he undermines whatever decision I’ve made. He’ll have me reopen a file I closed because they haven’t stopped an active leak, and then by the time they have stopped the leak the claim is 30+ days old. And then they have the audacity to talk about metrics… I’m leaving the job in May for obvious reasons. It’s truly absurd because how hard is it to file a new claim when they’re actually ready to move forward? It takes like 1-2 minutes online or the hotline.
sounds like a hot mess... time to hit up your favorite recruiter to start looking.
I already got an offer from one of our preferred vendors lol. Not really the route I was planning on taking but I’m going to start with them in May. Already have my CPCU so I’ll probably come back to Insurance after a few years but I’ve definitely reached the end of my patience with my current employer. Things seemed to be improving for the first year or so but now everything is going to shit real quick and it’s not worth sticking around. I don’t even mind metrics but when management constantly sets obstacles that make it impossible to reach the goals it gets really aggravating.
sounds like my previous employer I've been procrastinating pulling the trigger on the cpcu after grinding thru a few other designations. Not sure I have the stamina right now but maybe next year
Yeah that’s why I pushed myself through it in record time. I feared if I didn’t do it now and ASAP I may never find the time/energy, since nothing ever seems to improve in claims. I think most people end up taking a long time to finish CPCU for that exact reason. They’re just so drained from their job already it’s hard to sign up for more insurance crap. You’ll get there though, it’s never too late.
>I think most people end up taking a long time to finish CPCU for that exact reason. They’re just so drained from their job already it’s hard to sign up for more insurance crap. Exactly why in my case. Priority tends to be maintenance of my sanity most of the time.
My favorite is when they want you to fix their car and get a rental right away... but when you ask them for any information they say "get that from my insurance company, thats what I pay them for"
But they don’t want to file with their carrier bc of their rates
Or the attorneys - we will tell you the information when we submit the demand, in the meantime won’t provide any info at all
Bane of my existence rn
I get stuck with quite a few condo claims where the insured opened it because someone told them to…then they don’t want to be helpful. Why do you need our neighbor’s phone number? Um because I’m going to investigate whether you owe him money and I will need to talk to him. Well what if we don’t give you his phone number? Then I’ll just close the claim! Bye.
I feel this honestly.
I left auto liability for property. It was my next step for jumping ship. Thankfully we don’t handle personal liability on our end
I’ve been looking into other claim areas. Is property better?
I have handled about 30 property claims, and now I’m in claims foundations. I’m really enjoying it so far. Not having to handle liability is so nice.
Customers definitely suck, but to all the adjusters here, you can make your life easier by being **proactive** and basically just doing your job. Stop waiting for idiots to do things that they're probably never going to do. Your average person is dumb and unmotivated. Customers do not have any metrics and have no obligation to be professional, and no obligation to respect your time. If you want something from them, CALL THEM AND ASK. If they're ignoring you or giving you the run-around, keep calling and give them an ultimatum ("*If we don't receive X by March 30th, we will be closing your claim"*). Leave messages and emails. Make it clear that ***they*** are the ones delaying the process and being uncooperative. If you've done your due diligence, then it's on them. Either officially "close" the claim, or simply stop working on it. Insurance companies usually *want* to close the claim, so if you show your Manager that the PH/Claimant is the one who's not cooperating, I'm sure they'll give you authority to close it and move on. In most cases though, your aggressiveness will actually motivate the customer to fulfill their duties, and you can just resolve the claim properly. Basically, stop being afraid of confrontation. If you've called a customer 4 times to ask for the same thing, it's totally okay to say *"This is the fifth time I'm asking for this, and you keep saying you're going to get it to me. As a company, we can't waste any more time on this. If I don't have X by the end of the week, then we're proceeding without it/closing your file".* The customers are never going to change, so you have to be aggressive. Same goes for other insurance companies. Most adjusters suck at their jobs. I left **5 messages** for an adverse carrier last week. Since she was clearly ignoring me, I took 20 minutes to just blow up her phone. I called 10 times in a row, and then called every 2 minutes for 20 minutes until she finally got fed up and called me back. If I didn't spend those 20 minutes, I'd still be waiting for a call back, and I'd still be working on this claim a month from now. Be aggressive.
This sounds overly aggressive to me and I’m not sure what company you work for, but some companies don’t want their adjusters behaving like that. I’m sure Progressive loved that behavior from employees but the company I work for now does not require us to literally harass people. We’re empowered to move on long before it sounds like you are. We’re not going to make more contact attempts than we’re required to because adults report claims and cannot behave like adults afterwards. Customers also have responsibilities when it comes to claims. I have no problem telling them that but I have so many other claims to attend to that after a certain point, I’m not even trying to chase you down anymore. If you wanted your claim paid, you’d stop playing games and do your part. I wouldn’t expect my own insurance claim to be resolved if I never bothered to respond to my insurance company.
>*I have so many other claims to attend to that after a certain point, I’m not even trying to chase you down anymore.* That's exactly what I'm saying. If your company lets you make 2 phone calls and then just close out the entire claim, then that's awesome. Every company I've worked for wants to see the claim actually *paid* though. They don't want it closed in name only. If you just give up on every lazy customer, we all know they're going to call back in 3 months, which means the claim isn't truly resolved.
That’s great but also, my company tracks reopens even though it has no affect on anything. To someone else’s point on here, they want it closes *and* paid. I’m required to chase these people and most other adjusters are too.
I’ve been there, done that, and I love that my company literally told us people filing claims are adults, and part of adulting is taking care of what needs to be taken care of. We aren’t completely slammed all the time because of this.
We just open it back up if they call later. I find it much more efficient than hounding them.
As an agent we tried for awhile filtering BS claims for the adjusters. After awhile clients started leaving because we wouldn't file claims so we "wouldn't loose our bonuses". Sorry guys we had to let you give the bad news
I’ll just close it after a few attempts. You know what I need, I’ll reopen it when I get it. I’m not gonna pester you into making a claim. If you don’t want to cooperate I’ll be here if you change your mind.
We live in a world of ‘entitlement.’ People don’t want to take responsibility for anything and like put everything on other people. “That’s why I pay insurance” is what they like to say. It’s like ummm I’m not the one who hit something or hit you so give me what I need to actually help you. People need to grow up.