How an Experienced Adjuster Makes All the Difference to Your Claim Loss

A crucial trait of an exceptional insurance claims adjuster is understanding the importance of empathy for the insured during what can be an emotional and trying experience. True, a good adjuster must fully comprehend the details of the loss and be able to effectively write a report for the carrier, but an experienced adjuster will take the time to listen and emphasize with the insured.

An adjuster — whether independent or employed by the carrier — is a de facto ambassador of the insurance carrier’s brand and reputation, starting from the first time that he or she speaks with the insured to schedule the onsite inspection and continuing throughout the claim process. This is why experience and professionalism are critical.

Even if an adjuster has seen a certain type of loss a thousand times, it is vital that they not become apathetic or jaded. What seems like a cut and dry event to the adjuster may be exceedingly traumatic to the insured, who likely has both a monetary and emotional investment in their property. An insured might want to share how the loss is impacting their family, finances, or their workload. An experienced adjuster will treat this moment as an opportunity for a caring, positive customer experience.

Adjusters are people too
Almost by definition, claims adjusters are involved only when there is property damage, which means that stress is always part of the job. It can be exhausting to keep a tight schedule while managing expected deadlines and submitting time-sensitive reports.

Understandably, there are times when it is difficult to prioritize the insured’s needs before our own, but an experienced adjuster has learned that they are in a position to demonstrate compassion and serve the needs of the insured.

Because of the differing demands of their roles, catastrophe (CAT) claims and daily claims adjusters typically operate quite differently.

• CAT adjusters are often deployed for months at a time, only seeing their family and friends for a day or two if they are lucky. The rigors of managing 10 to 30 claims a week with a claim cycle of eight days puts significant pressure on a CAT adjuster. They are exposed to high levels of stress that can build through lack of sleep, the logistics of scheduling site visits in restricted areas, and their responsibilities at home.
• A daily claims adjuster may have a lighter claims schedule than a CAT adjuster, but they often travel several hundred miles each week. It is more common for the daily adjuster to interact face to face with the insured during the inspection process, which is where the adjuster must be empathetic, professional, and courteous at every step.

Our sweet spot for hiring experienced adjusters
Mason Claims has found that adjusters who have actively worked claims for a minimum of five years and have inspected both large and small claims will have the working knowledge and ability to understand the needs of both the policyholder and the insurance carrier.

In addition, our experience with managing the claims process has shown the importance of not only the adjuster having the right skillset for the assignment, but the importance of using daily adjusters for day claims and CAT adjusters for catastrophe claims.

And this has served our customers well.

With two hurricanes hitting the US coast at the same time in 2017, it became clear that we had adopted the correct business model by only deploying our CAT adjusters to Texas and Florida and keeping our daily adjusters in place to service the day-to-day needs of our carrier customers.
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And because Mason Claims meticulously screens all of our independent adjusters for not only experience with job-related skills but also interpersonal skills, carriers know that their insureds are going to receive the professional service and compassion they expect and deserve.

>> Learn more about how Mason Claims handpicks the most professional and experienced independent claims adjusters. 

>> Contact us today to discuss how Mason Claims can assist with your claims needs.

Photo by Tsvetoslav Hristov from Pexels

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