In this technological age, many insurance companies are adding a virtual claims inspection model as a method they use to assist in handling property insurance claims. This consists of an inside desk adjuster/claims examiner who is the person responsible for determining the extent of property damage, making coverage decisions, writing estimates and settling the claim.
Assisting in this process is the Field Inspector. The Field Inspector is the person who goes to the property and provides photo documentation and possibly live video conferencing with the desk adjuster/claims examiner. Showing damaged, as well as non damaged, areas of the property to use as part of the information required to properly handle the claim.
This has created an increasing demand for qualified Field Inspectors. Unlike Independent Adjusters, who are required to be licensed in most states, work as a Field Inspector does not require a license.
A Field Inspector does not discuss any aspect of the claim with the insured, public adjuster, contractor, or attorney for the insured. Also does not make coverage decisions, write estimates, or settle claims.
The Field Inspector's task is simple, take and upload photos of the property, and while on site you may be asked to have a live video conference with the desk adjuster/claim examiner. Also, If requested by the client, simple online forms may need to be filled out. It is as easy as that.
If you have ever worked as an Independent Adjuster, you will instantly recognize the advantages of working as a Field Inspector. No more working 16-18 hours a day calling insureds, setting appointments, measuring (this is done for you), writing estimates, labeling photos, reviewing coverage's, dealing with dissatisfied insureds, public adjusters, or contractors. As a Field Inspector you could be making as much as $500-$700 a day. Also, you are only working a fraction of the time as you would as an Independent Adjuster and with much less stress.
The work will require you to travel to areas where catastrophic events have occurred like wind storms, hail storms, hurricanes, and such. You will be away from home weeks or months at a time.
Just like Independent Adjusters, all Field Inspectors are independent contractors. You are self-employed. This means you will not be an employee of Digital Insurance Services, LLC or our clients, but instead, you will contract with us to provide your services. You can decide if you want to accept deployments and assignments, or simply decline. You will be responsible for providing your own tools and transportation.
Digital Insurance Services, LLC will provide you with training, support and assign you the work.
In order to perform the work you will be required as a Field Inspector, you will need the proper tools. As an independent contractor, you will be required to provide these tools for yourself.
The following is a list of tools needed and sources for acquiring the specialty tools specific to this type of trade.
Photos will be taken and uploaded to the client using a smart phone. Also, the live video conference will be conducted on your smart phone while you are at the property. You will need to have an unlimited data plan for your phone.
Phone Battery Backup
You will be using a lot of your battery's power taking and uploading photos and doing video conferences. The last thing you want to happen is to run out of battery with claims left to inspect.
You are not allowed to use the zoom function on your phone to take close-ups. A long selfie stick is helpful in getting close-ups as well as better quality photos when at difficult angles.
You are required to take a photo of a shingle gauge indicating the type and quality of shingle on the roof. HAAG engineering developed this gauge and it is used industry wide. You can purchase these shingle gauges on Amazon.
You will be required to access and photo roofs. This will require a 1 and 2 story ladder.
You will need bungee cords to secure the ladder to the edge of the roof for safety, and also so wind does not blow the ladder down leaving you stranded on the roof.
You will not be required to measure the roof, elevations or interior, but you will need a tape measure to take a photo showing things like the width of the laps on vinyl and aluminum siding.
You will need to have railroad chalk too as you are required to mark damage on roofs so it shows up in the photos. You will need more of a supply of yellow chalk as most roofs have darker colors. Having darker colors such as dark blue or dark red is best on white or lighter colored roofs. Here is a hint: If you spray coat the chalk with a clear coating that hardens, it helps limit chalk dust getting on you. You can also order railroad chalk from Amazon.
Cougar Paw - Performer
Cougar Paw - Estimater
Cougar Paw - Steel Walker
Cougar Paw boots are designed to grip roofs to help prevent you from sliding. The Performer and Estimator both use replaceable felt sole pads for walking on shingle roofs and the Steel Walker boot has a magnetic sole to grip steel roofs. Buy extra felt replacement pads as they do wear out
Roof Climbing Safety Equipment
Rope & Harness
Safety is number one with us, and you will not be expected to access unsafe roofs, there will be times when you will need roof climbing safety equipment in order to complete your inspection safely. Above are 3 different types of roof climbing systems. Rope & Harness, The Goat and Hipp Lock. There are pros and cons of each of these systems. You will need to research and determine which system is best for you. Using a combination of rope and harness and either the Hipp Lock or Goat is the ideal choice.
Roof Safety Pants
Roof Safety Clothes
A new product on the market you may want to consider getting is SteepGear safety clothes. SteepGear has designed a pair of rubberized shorts that slip over your pants. These shorts will grab either shingle or metal roofs and help you regain control during a fall. You can find them at
WHO WE ARE LOOKING FOR
In order to be considered as a Field Inspector for us you must meet the following requirements:
1) You must be in good health. You will be required to perform physical tasks such as carrying a ladder and climbing.
2) You must have good dependable transportation.
3) You must be willing to travel to other states and stay for extended periods of time.
4) You must have excellent communication and people skills.
5) You must be a problem solver and a person that figures out how to get things done.
6) You must be a person that takes pride in their work.
7) You must be willing to follow instructions to the letter and not take short cuts.
8) You must wear khaki pants and collared shirts and tennis shoes or work boots.
9) You must be tech savvy and be able to operate a computer and smart phone.
10) You must have your own tools that are required.
11) You must have a general knowledge of construction, including knowing names of construction components, such as types of siding and roof items.
If after reading all the information contained on the page above, and consider yourself a fit for this type of work, please enter your contact information below and upload your resume. We will review this information and respond back to you in a timely manner. At this time, there are only a limited number of slots open so we will be selecting only the best candidates for consideration.