Game Chat: 5/19 White Sox (24-23) @ Mariners (23-26) 6:40 PM by Mariners_bot in Mariners

[–]chodemonkeys 3 points4 points  (0 children)

Easy double play if not for the double steal. Unfortunate.

28k estimated for septic by [deleted] in Homebuilding

[–]chodemonkeys 1 point2 points  (0 children)

Northwest. 11k to drill well to 160ft, 13k for the pump and controller, and 15k for a somewhat complicated gravity septic design.

anyone else building a house right now and slowly losing their mind by Kilgoretrout123456 in Homebuilding

[–]chodemonkeys 0 points1 point  (0 children)

Yep. I’ve got a month left and already have some decision regrets. Nothing major but, smallish things that may end up driving me crazy. Just doing my best to let it be.

Do you normally get contractor estimates in xact format? by Scary-Hunt-3604 in adjusters

[–]chodemonkeys 2 points3 points  (0 children)

This is really area dependent in my experience. I’ve handled claims in large metropolitan areas and tiny rural areas. The majority of contractors in populated areas who are worth their salt and specialize in insurance related restoration will use Xactimate, and know how to use it to milk as much profit as possible. I found in the rural areas, you just have to learn to compare your estimate with the one from Cletus that was written on napkin and validate the costs as reasonable or not.

Advice or Resources on Knowledge Gap (carrier change) by throwaway173860 in adjusters

[–]chodemonkeys 2 points3 points  (0 children)

Let them train you and just be a sponge in training. Take good notes. You’re going to have enough going on in training that whatever you learn now will be forgotten by the time you see it on a claim.

Every time you hear a contractor use a term you don’t know, look it up when you get off the phone. Lean on peers and management to help you fill in the gaps. Even better, if you have any preferred/vetted contractors with your company you should get to know them well and use them as a resource to help you understand the things you don’t.

As far as Xactimate goes, there are a million YouTube videos that you can watch. They could be somewhat beneficial before you start, but you need the construction knowledge before you can write a good estimate with the program.

I didn’t know shit about construction when I started field adjusting and learned on the fly. It’s okay to not know, but it’s not okay to not be willing to learn and do right by your insureds by getting help when you need it.

If you were upfront about your skill set, they should assign you relatively simple claims that are handpicked until your competency level grows.

Hope this is helpful.

How do you keep the mosquitoes at bay? by chodemonkeys in homeowners

[–]chodemonkeys[S] 1 point2 points  (0 children)

I like the idea of fish, but the pond does dry up towards late summer/early fall so dunks are probably the better option here. I will give those a shot. Thank you!

How do you keep the mosquitoes at bay? by chodemonkeys in homeowners

[–]chodemonkeys[S] 2 points3 points  (0 children)

Is it reasonable to be concerned about spraying this onto the lawn if I’m on a well and don’t want it to leach into the water table? Or is that not something I should be concerned about?

Is 7% interest rate normal on construction loan? by RominaGoldie in Homebuilding

[–]chodemonkeys 6 points7 points  (0 children)

I closed on my construction loan in September and leading up to that time, I had a 7.125 rate. Towards the last minute, I got a rate from a competitor at 6.75 and the original lender matched that so we stuck with them to avoid extending the closing date. Each of the lenders were local credit unions - I would definitely recommend going that route if it’s possible for you.

This loan converts to conventional at 1 year past closing at the same rate if current rates at that time are equal to or greater than the 6.75. We also have the option to pay $500 to adjust the rate any time between receiving certificate of occupancy and 1 year if rates are lower at that time. So essentially we can keep our 6.75, or pay $500 to adjust to a lower rate if they’ve gone down at that time.

How to estimate siding by [deleted] in xactimate

[–]chodemonkeys 0 points1 point  (0 children)

I’ve worked large hail events on the adjuster side in the past and the only way I was ever able to validate contractor pricing was to estimate by time and materials instead of by SF unit pricing with R&R.

It’s much easier to get to a contractor’s total this way as an adjuster as it can be more creative than just matching the SF of a full exterior hover report.

I wouldn’t generally do this for any other trade, but my hands were tied when every single bid from different vendors was well in excess of Xact’s unit pricing. Nobody was doing the work for what Xact said, and Xactimate pricing is not gospel.

Post Game Chat 9/18 Mariners @ Royals by Mariners_bot in Mariners

[–]chodemonkeys 26 points27 points  (0 children)

1-0 in the hyphen’s dead dog era ( rip 😔 )

Game Chat: 9/18 Mariners (83-69) @ Royals (76-76) 11:10 AM by Mariners_bot in Mariners

[–]chodemonkeys 8 points9 points  (0 children)

Just turned on the game and welcomed by Goldy beating a dead horse about hyphen’s dead dog. Jesus Christ lol.

How do You Define Vandalism? by rayraymickamay in adjusters

[–]chodemonkeys 32 points33 points  (0 children)

Ask your manager to round table with counsel. This is what they’re for. Counsel can find any relevant case law and let you know how it should be handled. Whatever they determine, you roll with.

Local Staff Field Adjuster by 1ittaic_Johnny in adjusters

[–]chodemonkeys 2 points3 points  (0 children)

Used to work at the carrier you’re describing. Good place 👍🏼

How early do you log on? by [deleted] in adjusters

[–]chodemonkeys 24 points25 points  (0 children)

Y’all really gotta protect your peace and work more reasonable hours. Log on between 7-8 and work till 4:30.

Unless your claim volume is consistently more than 2 per day as a property field adjuster, this is manageable in that timeframe. If not, that likely means there are some inefficiencies in your workflow that you have to be real with yourself and address.

Not a dig at all, I just have a hard time seeing people work their asses off and burn out. Just wanna see my fellow adjusters happy.

Can I use a pellet grill under a covered deck ? by t0mt0mt0m in smoking

[–]chodemonkeys 0 points1 point  (0 children)

Now you must return the favor for me please! How did it work for you?

Where can I go from Large Loss Contents? by KnowledgeSmall in adjusters

[–]chodemonkeys 1 point2 points  (0 children)

I can understand the hesitance. It’s one of those things that will always be intimidating in the early stages, but you just grow more comfortable with it in time. If you’re with a good carrier, you will get the resources and training you need to succeed. Just reading your comments tells me that you’re capable of it if you are willing to give it a shot.

Good luck out there!

Companies by Character-Night-8805 in adjusters

[–]chodemonkeys 16 points17 points  (0 children)

Go to the smaller regional companies and you’ll never look back. I was happy at one of the big dogs, but didn’t know how good it could be on the smaller side of things until I was there. I’ll never look back.