Property Adjusting in a Post-Disaster Environment
Working as a property adjuster after a major disaster is no ordinary job. It is fast paced, unpredictable, and often emotionally intense. But it is also one of the most important times for an adjuster to step up. Your work helps families and businesses take the first steps toward recovery.
If you are heading into a post-disaster environment, whether it is a hurricane, wildfire, tornado, or flood, here are a few things to keep in mind.
Be Ready to Mobilize Fast
When disaster strikes, deployments happen quickly. You will want to have a “go bag” packed and ready. Include PPE, backup batteries, portable Wi-Fi, a laptop, camera, notepad, chargers, and a printed contact list, since power and cell service may be unreliable.
Before you hit the ground, review any carrier-specific guidelines. Every carrier handles post-disaster claims a little differently. Knowing their expectations ahead of time will save you time and stress.
Brace for Challenging Conditions
Disaster zones come with their own set of challenges. You may encounter road closures, blocked property access, limited accommodations, and personal safety hazards.
Stay flexible with scheduling, and communicate clearly with policyholders about any delays or access issues. If you need to reschedule an inspection, document the reason carefully. These files are often reviewed months or even years later.
Lead with Empathy (But Stay Objective)
Post-disaster claims are emotional. Many policyholders have lost homes, pets, irreplaceable belongings, or worse. They may be anxious, angry, or in tears.
Be patient. Listen. Explain the process clearly. But remember, your job is to assess the damage and document the claim accurately. Do not promise outcomes, speculate about coverage, or speak beyond your role.
Document Everything
In the chaos of a CAT, it is tempting to rush. But this is when clear documentation matters most.
Take wide shots, close-ups, and context photos for every area of damage, even minor ones. Label your photos clearly and write thorough notes in your estimating software. If conditions change between visits, such as temporary repairs or debris removal, document it carefully.
Strong documentation protects you, the carrier, and ultimately the policyholder.
Take Care of Yourself
CAT work is demanding. It requires physical stamina, mental clarity, and emotional resilience. It is easy to burn out.
Pace yourself. Stay hydrated. Eat well. Take breaks. Stay connected to your fellow adjusters. Support from your peers is invaluable.
Adjusting after a disaster is not easy, but it is some of the most meaningful work you can do. Approach each claim with care, patience, and professionalism. You will help rebuild homes and restore lives.