How Claims Adjusters Can Stay Safe While Investigating Catastrophes

Posted on September 29, 2015


When investigating catastrophes, personal safety should always be on an adjuster's mind. As one headline puts it, “Adjusters Must Avoid Becoming Part of the Catastrophe.” In that piece, Stephen Figlin and Ron Schaible discuss claims adjuster investigation and safety. They have sound advice, but two specific areas are worth drawing attention to: electrical hazards and biological hazards.

Electrical Hazards

Electrical hazards are one of the most immediate dangers adjusters face in the aftermath of a catastrophe. A shock could end an adjuster’s career. Because of the immediacy of the danger that electrical hazards pose, it is not surprising that they are one of the first things Figlin and Schaible mention. The two of them suggest:

  • being aware of downed power lines
  • wearing rubber boots in water for insulation
  • calling the electrical company to turn off power when investigating damaged buildings

You may also want to wear insulated gloves when investigating any place that might have a live wire.

Biological Hazards

An unseen risk that Figlin and Schaible bring up is bacteria. This risk is primarily limited to investigations following floods, but in flooded settings claims adjusters face an almost constant threat of coming into contact with E. coli or other harmful bacteria. To protect yourself, the two mention:

  • wearing rubber boots and rubber gloves
  • bringing your own drinking water and food
  • washing your hands with your own water

Of course, you should also try to avoid touching your face without washing your hands first.

Staying Safe

Dangerous territory comes with working as an adjuster. You have to inspect damaged property in damaged areas.

Every time you head into a post-catastrophe area, be aware of the potential hazards. Along with sharp objects and unsafe structures, you also need to watch for electrical hazards and biological hazards. Guard against such risks and keep yourself from becoming part of the catastrophe.

Keep these tips regarding insurance adjusting in mind.Contact us at Pilot Catastrophe Services for more information about becoming an insurance adjuster.