Insurance adjusters?

I adjusted for 30+ yrs, and fell into the position.. was hired as a summer position typing policies.. one of the new adjusters was using one of the old dictating machines to do a letter and starting pontficating about how yada, yada, yada was covered and he would call and schedule a meeting with them.......

The claims manager ask me why I was standing there.. I told him.. Mr.......... Had just made a mistake.... That wasn't covered.. Under the policy form...blah, blah this is specifically excluded.

He asked me how I knew that... I typed the policies.. But then that was when people actually read policies. I wanted to make sure the forms were attached correctly so I had read all of them.

The next Monday I was working with one of the Property adjusters.. The next summer when I came home from college I was working the arson desk... LOVE AT FIRST SIGHT. The company decided to pay for the rest of my school, if I would go to college locally.

they took care of my training. The last 12 years that I was with them, before I retired, I did catastrophic claims only... ok maybe a suspected arson or 2..

But Commercial is much easier that Personal lines (homeowner). If someone's business burns to the ground.. they just want to be back in business, asap (unless it's arson). But if it's someone's home... you can reimburse them the 7.48 that it costs for that roll of film.. but you can't replace the pictures of their kids, or their grandkids. That's when it starts to bother you.

Or when you have to bite your tongue to keep from telling them that their agent should have offered them that coverage. You can't do those things. Every day there are still agents that send renewal requests in to their companies "renew as is".
Nothing stays the same from year to year.. especially on a homeowner's policy. property values go up or down. Someone decided to build another structure in the back yard, in additioon to the detached garage.. is that going to put him over the 10% that is covered on the policy??
Someone's grandmother died and left the insured grandpa's antique gun collection, or grandma's antique china. Or another anniversary went by and this time she got a diamond tennis bracelet and the guy doesn't know that he should schedule it. But the agent send's the request in "renew as is". It's the adjuster that has to give them the bad news. When the house is broken into... there was only $2500 on the policy for those guns. There is only a max on jewelry of 2500, too. etc.....
Or when she loses a stone out of that bracelet and finds out there is no coverage because it wasn't scheduled.

Good Luck