The Independent Catastrophe Adjusters Fix Kit
Built for independent and catastrophe (CAT) claims adjusters.
The independent catastrophe adjuster is one of the rare professionals whose own pay rises with the accuracy of the number they produce. This kit finds where the money leaks in your own work and gives you the steps and the words to close each one.
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The 8 leaks it covers
6 you can close it · 1 the other side owes it · 1 a pro decides
- Recoverable depreciation deadline expiring after the ACV paymentWhere to look first: For every file, record the date of the first ACV payment.Keep it from coming back: Write the recoverable-depreciation deadline in the file the same day the ACV check is issued.You can close it
- Licenses in many states with renewal dates nobody is trackingWhere to look first: Make a list of every state license you hold: state, license number, expiration date, and continuing-education hours due.Keep it from coming back: Add each new license to the calendar the day it's issued.You can close it
- Closing files fast and short — the good-faith settlement dutyWhere to look first: Before you close each file, read it like a regulator would: is every number backed by a photo, a measurement, an invoice or a price list?Keep it from coming back: Run the closing checklist on every file before you mark it closed.You can close it
- Estimate not re-priced for cost increases between loss date and repair startWhere to look first: On every open file, note the date of your estimate and the price list date your estimating software used.Keep it from coming back: Record the price list date on every estimate when you write it. Check the gap before final.You can close it
- Additional Living Expense guessed instead of figured from real local rental costsWhere to look first: On every ALE file, gather real local costs: rental listings or hotel rates near the home for the same size household.Keep it from coming back: Save three dated local comparisons before you set any ALE figure.You can close it
- Asked to help a policyholder negotiate with their carrier — the public-adjusting lineWhere to look first: Know the line: helping a policyholder negotiate against their own carrier is public adjusting, a separately licensed activity.Keep it from coming back: At every new deployment, read that state's public-adjusting rule before you meet the first policyholder.You can close it
- Fee not re-billed when a supplement or reopen raises the settlementWhere to look first: List every file that got a supplement, reopen or revision after you first closed it.Keep it from coming back: Save the fee schedule for every deployment. When a file reopens, note it the same day so the fee check happens.The other side owes it
- Self-employment tax not set aside from short, heavy deployment incomeWhere to look first: Know that self-employment tax is separate from income tax.Keep it from coming back: Move the tax share the day each fee check clears, before the next deployment starts.A pro decides
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 8 exactly as it appears in the kit, so you can see what you get before you buy.
Recoverable depreciation deadline expiring after the ACV payment
You can close it- For every file, record the date of the first ACV payment.
- Find the time limit to claim recoverable depreciation in the policy and in that state's rules. In California, Insurance Code 2051.5 sets at least 12 months from the first ACV payment, 36 months after a declared state of emergency, plus six-month extensions for good-faith delays like permits or material shortages.
- Put that deadline in the file and in your closing letter so the policyholder sees it.
- Calendar a reminder before it runs out on files you still handle.
Your part: Confirm the deadline under the policy and state rules, and send the letter under your carrier's process.
CLOSING-LETTER PARAGRAPH (add to the carrier's letter, if your guidelines allow): "Your policy pays the actual cash value now. To collect the remaining replacement-cost amount (recoverable depreciation) of [AMOUNT], complete the repairs and send proof of completion to [CARRIER / CLAIM CONTACT] by [DEADLINE DATE]. If repairs are delayed by things outside your control, such as permits or material shortages, contact us before that date to ask about an extension. Claim [CLAIM #]."
Write the recoverable-depreciation deadline in the file the same day the ACV check is issued.
What this kit can't decide for you: Deadlines vary by policy and state; California's is a floor, not a national rule. You work for the carrier and must not advocate for the policyholder (see the public-adjusting row). Whether an extension is granted is the carrier's decision.
That's 1 of 8. The other 7 come the same way in the kit: steps, words to send, a habit to keep each one closed.
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What people in this work look up
When independent catastrophe claims adjusters go looking for answers, they search things like “what is recoverable depreciation on an insurance claim”, “recoverable depreciation”, “catastrophe adjuster”, “cat adjuster pay” and “cat adjuster salary”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 8 places money leaks in this work, where to look first and the words to send to close each one.
What you get for each leak
- Numbered steps to close each leak
- Your part, spelled out
- Words you can use: letters and scripts, ready to send (fill in the brackets)
- A habit that keeps each leak from coming back
- An honest line on what the kit can't decide for you
A page from the kit
Questions people ask
When does recoverable depreciation expire?
The deadline can run out after the ACV payment. The kit shows how to track it on every file.
How do I keep adjuster licenses in many states current?
Track every state's renewal date in one place. The kit shows how.
Should my fee be re-billed when a claim is reopened?
Yes. A fee not re-billed after a supplement or reopen raises the settlement is one of the leaks covered.
What it can't decide for you
This kit works from your own records. It doesn't give legal, tax, licensing or financial advice, and it never tells you what to charge. Where a CPA, attorney, insurer or state board makes the call, the kit says so and gets your records ready for them.
12-page PDF · instant download after payment · Code VYR-KIT-STORM-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
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