3 Ways to Make Travel Easier for Insurance Adjusters
In the first nine months of 2017, the U.S. endured 13 storms across the Atlantic with a record three Category 4 Hurricanes in one season, resulting in potential losses of nearly $170 billion, according to a recent Claims Journal article. In addition, California recently experienced the biggest wildfire catastrophe in the state’s history. Add other weather events, including mudslides, tornadoes and flooding, and the outcome is an extraordinary catastrophe burden. As a result, adjusters are handling more claims, keeping them on the road longer and more often. The following are three simple ways to make travel a bit easier on insurance adjusters and teams deployed for catastrophe (CAT) events during this busy season – and throughout the year.
Choose furnished apartments for longer stays
Hotels may be a good short-term temporary housing option for adjusters, however, furnished apartments may be a better fit for longer assignments. When possible, booking a furnished apartment for an extended stay during longer deployments provides a more comfortable, home-like environment for adjusters with the added convenience of various onsite amenities – and many other benefits, including:
- Increased cost efficiency from having multiple adjusters sharing one unit with multiple bedrooms.
- Separate living and sleeping spaces that can help adjusters relax and “switch off” at night – away from their laptops and buzzing phones.
- No additional fees, like tips, resort taxes, parking and fees for Internet access that usually come with a hotel stay.
- Fully equipped kitchens with flatware and cookware – everything needed to enjoy preparing home-cooked and healthier meals.
- Typically, better availability than traditional hotel rooms, which might be scarce, not available at all or offer blackout dates requiring adjusters to move in and out multiple times.
- Onsite or in-unit laundry facilities.
In addition, furnished apartment properties are available virtually everywhere so claims professionals can be near catastrophe areas to work directly with their policyholders.
Use tech to check on Fido, grab groceries
There’s nothing like a wagging tail greeting you at the door to make you feel like you’re home. When you can’t take Fido on the road, the next best thing just might be seeing and interacting with your pet via video.
Many apps are available, including the Dog Monitor app, which offers live HD video so adjusters on the road can see what mischief their pet might be up to. Camio, a free web and mobile app, turns any device into a free video monitoring system with two-way talk, so adjusters can let their pets see their faces and hear their voices as often as they’d like.
Busy schedules may not leave time to hit the grocery store. Instead, they can take advantage of grocery delivery services, like Peapod and Instacart, which offer same-day delivery in some areas, special deals, and items from popular grocery chains and retailers. And if adjusters are staying in a furnished apartment which includes a fully equipped kitchen, needed appliances and cookware, they will appreciate being able to prepare their own meals.
Eating healthier options on the road when working long days also can be a challenge. However, making available time-saving services like Plated, Blue Apron and Sun Basket that supply all the ingredients needed to whip up quick, healthy meals can result in a more pleasant travel experience.
Keep your physical health in check
A busy claims load can leave little time for exercise on the road. However, adjusters who want to stay fit can often squeeze in a quick workout at a fitness center or nearby walking and biking trails.
The benefits of exercise have been proven time and again with research showing that regular physical activity improves general health – from boosting mood, to decreasing cardiovascular risk, to managing chronic pain. For overall cardiovascular health, the American Heart Association (AHA) recommends 30 minutes of moderate-intensity aerobic activity at least five times a week or 25 minutes of vigorous aerobic activity at least three times a week. Even if you only have 15 or 20 minutes, the AHA says “something is always better than nothing.”
Adjusters may also benefit from wearing a step counter to track their activity – and remind them to get up and move after sitting and working on claims for long periods.