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    Proof of Loss: A Quick Guide to Processing Insurance Claim for Insured with Their Adjuster
    Proof of Loss: A Quick Guide to Processing Insurance Claim for Insured with Their Adjuster
    Proof of Loss: A Quick Guide to Processing Insurance Claim for Insured with Their Adjuster
    Ebook58 pages39 minutes

    Proof of Loss: A Quick Guide to Processing Insurance Claim for Insured with Their Adjuster

    By Herman Meadows

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    About this ebook

    In forty-two years of adjusting insurance claims I saw many people become anxious and uncertain when faced with filing an insurance claim. This book was written to help these
    people approach their meeting with the insurance adjuster with a calm, assured attitude. This book is written so the material
    will make the person(s) with a claim more knowledgeable of the claims process and vocabulary. Thus communication during
    claims process with the adjuster is more comfortable and the results more positive. This problem has been reduced in recent years. This is good reading for someone who may be thinking about becoming an adjuster. It will give them information that might give them enouragement to look into the subject further.
    LanguageEnglish
    PublisheriUniverse
    Release dateOct 29, 2010
    ISBN9781450258395
    Proof of Loss: A Quick Guide to Processing Insurance Claim for Insured with Their Adjuster
    Author

    Herman Meadows

    Beginning in 1965 and for the next forty-two years I worked as a Multi-Line adjuster. I worked for companies for twenty nine years, and owned my own business for thirteen years. Total Career Forty Two years. In sharing this knowledge and experience in these stories I hope the reader will become more comfortable dealing with an adjuster when they are faced with a claim. I reside with my wife in Columbia, Missouri.

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    • 5/5
      This was a good introduction and first hand account of an experienced insurance adjuster. I am considering this career and enjoyed learning about it from Mr. Meadows.

    Book preview

    Proof of Loss - Herman Meadows

    Table of Contents

    Introduction

    Chapter 1 A Claim is Born

    Chapter 2 What Do We Do Now?

    Chapter 3 Who is the Stranger at My Door?

    Chapter 4 Insurance

    Chapter 5 So You Want to Become an Adjuster

    Chapter 6 Handling Mood Swings

    Chapter 7 Joys and Concerns with Handling Claims

    Chapter 8 Some of My Experiences

    Chapter 9 Liability Investigation

    Chapter 10 Liability Settlements

    Chapter 11 Bodily Injury Statements

    Chapter 12 The Flood

    Chapter 13 Storms and Catastrophe Adjusting

    Chapter 14 Paper to Paperless Communication

    Chapter 15 Hail

    Chapter 16 Summary

    Introduction

    The Purpose

    There are as many stories about what insurance adjusting is, how it works, who benefits and the purpose of adjusting as there are people who have been involved with an insurance claim.

    My purpose for writing this book is three fold:

    * First, to provide information about the insurance adjusting profession to people who may be interested in pursuing the profession as a career.

    * Second, to provide information to the insured or claimant to enable them to understand more about insurance adjusting and how it works for them. At some time if they have a claim, they’ll better understand what is involved. Each chapter will be on a different topic that relates to insurance or with the adjusting process. It will cover the entire process, from the time you purchase a policy or become involved in a claim or liability situation, to the time the loss or claim is concluded. I will share with you some interesting stories, some difficult situations and some emotional situations that I’ve encountered during my 40+ years as an adjuster.

    * Finally, I hope that anyone who needs this book will come to understand that insurance adjusters are professional people who provide a service to others. This service is intended to help victims to recover from a situation that has caused them loss, hardship or temporary deviation from their normal living. This is the whole crust of why insurance is sold: to provide the policy holders with a monetary source to help them pay the costs of restoring their insured properties (or to recover from an unexpected loss that is covered by the policy).

    About the Author

    I was born in Shreveport, Louisiana on February 2, 1936. I graduated from high school in 1954, and attended Louisiana State University for 3 years. After changing majors two times (and flunking out twice), I finally received a degree in Business from Centenary College in Shreveport.

    Following graduation in May 1960, I married my present wife Shirley. We raised 3 children. I sold life insurance for 3 years, and had a couple of jobs, but wasn’t satisfied.

    God has been a significant part of my life. He must have been looking after me, because a friend of mine and I were talking and he told me, You can do better for yourself than what you are doing. He told me that the office of an insurance adjusting company was looking for inspectors to appraise damage in south Louisiana.

    I went to the office, applied and got the job, and my adjusting career was born. That was in the year 1965. I began working claims for a major insurance adjustment company in January 1966 and more than 40 years have been spent in the insurance adjusting

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