The Loss Adjuster.

I was recently chatting with a patient who told me she works for an insurance company as a Loss Adjuster.  I knew what she meant, but I had never heard the actual term ‘Loss Adjuster’ before.  So I googled it to find out the job description of what a ‘Loss Adjuster’ actually does.

Loss Adjusters: are there to assist you at times of loss or trauma.  They are the bridge between the insurer and the insured and their objective is to establish an outcome that is fair and reasonable to all parties.  They also help policy holders restore their property to full working order.

A Loss Adjuster:

  1. Visits the site of loss to survey and assess damage.
  2. Records details of loss with photos if possible.
  3. Ensures that the site is secure after the loss by having doors and windows boarded up so as to prevent any further losses from occurring. Vital in preventing a further increase in the cost of the claim.
  4. Recommends local repairers.
  5. Advises on the most suitable ways to carry out repairs by issuing a full report.

My first thought was nothing to do with insurance, but rather “How many of us could do with a ’Loss Adjuster’ for those difficult times, when loss has happened in our world.  Be it the loss of a loved one through death, divorce or a relationship breakdown, a traumatic event that turned your world upside down, major surgery, a home break in, a personal attack, or an unresolved situation within your world

  • Dealing with loss can be a difficult process.
  • Loss can be an overwhelming process that can start with disappointment and lead to discouragement, despair and depression.
  • Loss is personal to the individual.
  • Loss can be real and/or perceived.
  • What is loss to one person, may not be loss to another.
  • Compounded loss: the most recent loss might be the smallest (or not), but it can still be the loss ‘that breaks the camel’s back’ as a result of one too many losses, in a long line of losses.
  • Loss requires an adjustment.

Whatever the loss and however it happened, I think having a ‘Loss Adjuster’ would be a benefit to make sure each of the steps are covered as we go through the process.  Sometimes our internal ‘Loss Adjuster’ is not sufficient to process the incident that occurred, and so an external ‘Loss Adjuster’ is required.

Imagine it!  Someone to:

  1. Assess your situation and the loss you’ve experienced.
  2. Record the details (maybe not photos), but a written record shows you’ve been heard.
  3. Ensure you are secure to prevent any further losses from occurring and adding to your grief, thereby preventing what I call ‘compounded loss.’
  4. Recommend appropriate repairers for the damage done.
  5. Advise on the necessary ‘repairs’ by issuing a full report on the situation.

I guess we do have ‘Loss Adjusters’ in counsellors, ministers, and other such professions, that help us process life events.  But how many of us actually utilise such services?  Instead, for whatever reason, we decide to handle the incident on our own, claiming that if we could just “get over it, and get on with life” then everything would be okay again.  Or that old saying “Time heals everything.”  when obviously it doesnt always!  Really what we need is an external  ‘Loss Adjuster’ to come in and help us walk through the process.

When it comes to making an insurance claim, we’d never consider handling that incident without calling on the insurance company.  So why then do we consider handling other forms of loss, without assistance from people with the professional expertise to do so?

There are times in life where we all need a ‘Loss Adjuster’ to help us through loss or trauma.  As per the  job description, they might just be the bridge needed to connect the ‘now me in loss’ with the ‘new me after loss’ thereby enabling  us to reconcile ‘what has happened’ with ‘how to move forward’ which in turn restores us to a fully functioning self.

Be encouraged to seek an appropriate ‘Loss Adjuster’ in times of loss or negative life events.

I just came across these quotes on Pinterest:

Don’t fake being okay.

You only hurt yourself.

Be real with what you’re going through,

Just don’t let it consume you.

Balance.

And . . .

Some people get lost for so long they forget what it was like to be themselves.

FIND  YOURSELF  AGAIN.

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