Most of us know what an insurance company is. But what is an insurance adjuster?
Sometimes he does not know that adjusters are and how they are trained to work. (After all, how many colleges offer "insurance adjustment" as a great?)
For answers, we went backstage with Chad Smith, a real estate specialist at Erie Insurance who manages large losses. Read on to learn more about him and all the important ways, it helps customers in their time of need. (And do not forget to ask our short video above to find out more!)
In your own words, which is an insurance adjuster?
For me, an insurance expert is someone who has a lot of responsibility. An adjuster must not only to the company he represents, but for customers who have suffered a loss.
At Erie Insurance, adjusters are the company's ambassadors. People do not really see how an insurance company operates until they have a loss, and that we represent.
What kind of background do you need to become an expert?
More often than not, you need to have a college degree. I am a business graduate, but insurance adjusters can pursue other areas too. I also recommend adding computer and math to your course.
How did you an expert?
ERIE expert hired me as soon after graduating from college. I went through a few months of training that included both classroom training and field. I was tested on information and spent time in the field with adjusters and appraisers to learn about what they have experienced first-hand. Because I work directly for an insurance company, I do not need a license to be an expert. However, rules vary by state.
What kind of skills do you need as an expert?
Being people-oriented is a must. You must be able to empathize with the customer by putting yourself in their shoes. Honesty and integrity are essential to build confidence.
Because of the way the field is changing, you need to be really comfortable with technology or be willing to learn. To grow as a professional expert, you must go beyond internal training and continuing professional insurance designations as a Chartered Property Casualty Underwriter (CPCU) and Associate in Claims (AIC).
What is a normal day like?
There are really no normal day. And that's one reason why I love my job!
To handle it, you should structure your days to some degree, but also to maintain flexibility. I might consider making calls all morning, but if I receive an urgent request, I have to rearrange my day. I am always busy.
What hours do you work?
I usually start early and end late. Sometimes I work on weekends. I enjoy a lot of freedom with this position and am available almost 24/7 because how you provide excellent service. You can not be stuck in the nine to five, Monday to Friday as traditional mindset expert.
What is the most memorable claim experience you have had?
Over the years, I have had many. One that stands out works during disasters 2011 tornado in North Carolina, Virginia and Tennessee. REA was the first insurance company on stage. There was a lot of damage, but I am able to react quickly and help customers affected by the tornadoes. The rapid response was made possible by the way ERIE has implemented its disaster team units. Some people I spoke to said neighbors with other carriers had not even heard of their adjusters. It is extremely rewarding to help ERIE customers when they really need.
What is the most rewarding part of your job?
Knowing in my heart that I did my best to REA and the customer on each claim that I manage. I remember a complaint, we had to refuse; even still, the customer sent me a card thanking me how polite and helpful I had been during the process. Everyone should receive the same level of service, regardless of the result.
Do you have the support of a company that offers the kind of premium service offers Chad? If not, contact a local agent Erie Insurance in your community to discuss your options and get a free quote.
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