Lots Of Work In The Carolinas For Insurance Claim Adjusters

“Coastal Property Insurance Pool, which is a state-created last resort option for insurance, has more than 32,700 claims in hand, Ms. Schwitzgebel said. The claims are largely for roof repairs, replacements of broken windows and some structural damage to homes from fallen trees.”

“USAA, one of the biggest insurers in the Carolinas, is up to 38,000 Florence claims. It had roughly 49,000 claims from Harvey.” This is largely due to the large number of military members living in the area both on and around the state’s Army and Marines bases.

“State Farm, the biggest home insurer by market share in North Carolina, said it had received about 12,400 homeowner claims and 1,900 automobile claims in North Carolina related to Hurricane Florence as of Sept. 20. Policyholders in South Carolina, where it also is a top insurer, had filed 1,610 home and 500 auto claims.”

Exotic Dancers Spotlight Independent Contractor Classification

Employee or independent contractor? It is a long-standing question that continues to challenge businesses that seek to properly classify workers. Many employers, like the exotic dance clubs in this case, rely on independent contractor agreements to defend their classifications. In a thorough review of an employee/independent contractor analysis, the 4th U.S. Circuit Court of Appeals reminded businesses that such analyses should run much deeper and the determinative issue is the economic realities of the underlying relationship.

  1. Several exotic dancers at two commonly owned and managed dance clubs in Prince George’s County, Md., brought a lawsuit on behalf of themselves and other similarly situated dancers for nonpayment of minimum wages under federal and Maryland law. The clubs denied that the dancers were employees entitled to payment of minimum wages.

  2. The clubs had asked all dancers to sign a “Space/Lease Rental Agreement of Business Space” document that identified the dancers as independent contractors. The dancers were not paid any wages. Rather, compensation was limited to tips received directly from patrons. The lower court granted partial summary judgment in favor of the dancers, finding no material dispute that they were employees and, under the law, entitled to payment of minimum wages.

  3. The appeals court undertook an illustrative analysis of a Fair Labor Standards Act (FLSA) employee/independent contractor six-factor test, which looks at:

  4. Continue reading

Buy Some New Toys … One 15-minute Business Verification Each Month Will Pay For Your New 2018 AT&T iPhone XS

iPhone XS features a Super Retina display with custom-built OLED. Securely unlock your iPhone, log in to apps, and pay with just a glance with Advanced Face ID. The A12 Bionic chip transforms the way you experience photos, gaming, augmented reality, and more. The 12MP dual-camera system takes your portraits to the next level. Water resistant.(1) And iOS 12 has new tools that make iPhone more personal than ever.

CLICK HERE to listen to an audio on Business Verifications … which pay about $35. The $35 will cover the monthly payment for an AT&T XS iPhone.


Inspector Jim Williams Talks About Naming Additional Insureds On Policies & Hold Harmless Provisions

“In my work as a property inspector for the insurance industry, I have noticed two new (to me) questions on an inspection form that signal a level of self-protection that I have not seen before.

For the first ten years of my property inspection gig, I also performed inspections for the banks/mortgage companies, as well as for insurance industry. The banks want to know when they can expect their money back, and the insurance companies want to know what level of risk they are in for on a given property.

In the second category, I see the two new questions having to do with general contractors and subcontractors. The first has to do with being named as additional insured on a sub’s insurance. The company wants to know if their covered property has a worker on site who can produce a certificate of insurance showing the contractor as additional insured in their insurance. The worker obviously has work to do that affects the whole project/property. An insurance company is obviously backing up the contractor, and they need to be protected.

Continue reading

“Groundbreaking Numbers”: Small Business Confidence Smashes Prior High Set Under Reagan

The mortgage segment is dead while the commercial segment of the field services industry is booming. Where are you focused? Are you working for peanuts and wearing out your car with mortgage inspections. SOFI is focused on commercial inspections. Check out the SOFI National Field Service Directory. Let SOFI design your resume! Visit the SOFI STORE.

Great Gadget For iPhone & iPad Users

I use the iXpand every day to backup photos on my iPhone and iPad. I can also use the device to transfer photos to my computer using the USB connection. When you are in the field, you can easily backup your photos in seconds. You never want to take photos on a huge inspection or property preservation and job and then have your phone crash … maybe when it gets dropped … you sit on it … or it flies off the car dash because of a quick stop. Always have a backup. That 75 yards of debris is in the landfill and you lost all of your iPhone photos that document the completed task. No photos … guess what? … you don’t get paid for your hard work.

GDP Higher Than Unemployment … First Time In 100 Years

I am an independent voter so I take a hard look at both sides of the isle. I expect that 2019 will be a great year when the tax cuts kick in for 2018.

The Mortgage Order Mills are on life support. The commercial and insurance segments are great … higher quality firms and higher inspection fees. Avoid the mortgage segment.


New Mercedes AA Class Battery Powered Car

I drive a Toyota Prius 2 hybrid that gets 52 miles per gallon. Mercedes has now come out with the Mercedes AA Class car that runs on AA batteries. Check it out. I expect that many field service inspectors will be looking at this new battery powered vehicle. You will have to move up to the higher quality field service firms that pay the higher fees in order to afford it. www.sofistore.com

Chicago’s Violent Labor Day Weekend Leaves At Least 6 Dead … More Than 1,000 Shot Since Memorial Day

How are those $3 Chicago mortgage inspections working for you? The “L Street Gang” uses that vacant foreclosure home that you will be inspecting as their new clubhouse. They have a surprise from you when you enter the rear yard for your 7 required photos. I flew in the Navy and was provided with fighter air cover and flight pay and combat pay. I was safer in a combat zone than a $3 Chicago mortgage inspector. The police in these areas wear body armor and travel in pairs while in constant contact with backup. There are no medals for mortgage inspectors. You have no support. No Mortgage Order Mill will pay your medical and other bills when you are not working. Make smart decisions … your life depends on the decisions you make.

Blow is what 1,000 people look like.

You Are Running Out Of Time … Only 21 Weeks … 152 Days Left in 2018

Check out all of the SOFI information, marketing and training products at www.sofistore.com. Explore the world of field services. Get connected with the higher quality firms that pay the higher fees. Move to a higher level in 2018. Time is running out fast.

Don’t hesitate. Do it NOW! Find the best parts of field services. Make more money to 2018!

Is Your Field Services Marketing On Afterburner? … Or, Are You Flying A Paper Airplane?

If you are a smart and professional field service inspector, you have very little competition. Most field inspectors have no effective marketing plan. They are flying paper airplanes. As a Naval Flight Officer in the Navy and civilian pilot, I loved flying in jets. I was awarded 13 air medals flying in a combat zone. I enjoyed the thrill of attack aircraft carrier operations.

The professional field inspectors at the top are flying with their afterburners on. They have an effective marketing plan. They have a great resume and they are marketing to the higher quality firms that pay the higher fees. Many inspectors have no marketing plan … they are flying paper airplanes … they have no resume … they do not have any contact information on the higher quality firms. They are flying paper airplanes in the dark with very poor results. Paper airplanes fly at low speeds and low altitudes … that results in marketing to the low-fee Mortgage Order Mills. Put your marketing in afterburner and fly high.

Put your marketing in afterburner. Check out all of the great information, marketing and training products at www.sofistore.com.

Blow away the paper airplanes with your afterburner.

Let SOFI Help You With Your Business Marketing … Order An Email Blast Of Your Resume

If you have purchased a National Field Service Directory in the last year, SOFI can help you with your business marketing. Let SOFI send out an email blast of your resume to all of the national and regional firms listed in the Directory. The price is only $19. You are busy in the field making money. Let SOFI help you with your marketing. This morning we are sending out email blasts for field inspectors Brad Hill, Tim Simpson and Mark Mattingly. ORDER your email blast and let SOFI take care of your marketing for only $19.


Mortgage Refi Activity Plunges To 18 Year Lows (And It’s About To Get A Lot Worse)

Mortgage refinances are at an 18-year low and notary signing agents are feeling the impact in revenue as their business slows. Many of the notary signing agents are filling the gap in income with field service inspections. Check out the below FREE ebook at www.13easysteps.com. Join SOFI at www.joinsofi.com … membership is FREE. Call Richard Law at 321-543-2809 … east coast … to chat about field service inspections. Call TODAY!

Subprime Auto Loan Default Rates Are Now Higher Than During The Financial Crisis | Zero Hedge

The highly seasonal rate for subprime auto loans more than 60 days past due reached the highest in 22 years – since 1996 – at 5.8%, according to March data; this is well over 2% higher than the comparable March default rate in the low 3%s hit during the peak of the financial crisis a decade ago.

This is great news for field service inspectors as the volume of inspections will increase in the next overdue recession.

Dangerous Conditions … Hawaii Big Island Field Service Inspectors Need To Ask For Higher Fees

I have visited the Big Island of Hawaii about five times. SOFI held a 4-day conference at Kona on the Big Island. I have flown over this active volcano on the Hilo side of the island in a helicopter and looking down into the volcano.

Today, many of the roads on the Hilo side of the island are shut down. It is very difficult to get around and the air in some areas is filled with toxic sulfur dioxide gas. Field inspections take more time to complete and inspectors need to ask for more money.


Retirement Village … On Social Security Only

Are you approaching retirement and looking to start receiving your social security check from the Government? Unless you have saved and invested well in the last 4 decades, you will not survive on social security checks alone. Field services can be a great part-or full-time job during your retirement years. Call Richard Law at 321-543-2809 …. east coast … if you want too chat about field services.


Have You Noticed That There Is Less Competition In The Commercial Mortgage Segment Of The Industry?

About 40% of American adults are obese, a sharp increase from a decade earlier and a record high. according to federal health officials. It is probably wise to invest in the companies that manufacture insulin and sugar test strips.

This is a blog post to remind me to lose a little weight. At 5’9″, I lost 30 pounds in 2017 and went from 190 to 160. In 2018, I creeped up to 170. I am sure that it is the carrot cake … I love it. I need to get back to 160. I feel so much better at 160. I exercise every day on the treadmill with an incline of 6 … max heart rate of about 115.

I find that some field inspectors are staying away from commercial inspections as it may mean climbing some stairs in apartment buildings and hotels without elevators. Inspectors tell me that they cannot make the climb. They just can’t handle the stairs. That is great for the skinny field inspectors as it cuts down the competition. The skinny inspectors love the stairs as it is great exercise. They run the stairs.

The $3 mortgage inspectors must all be skinny as they have to run around those foreclosure homes taking the 7 required photos in order to make any money. They also have to be able to outrun an angry homeowner with a baseball bat, gun or a huge dog.

I am sure to get some comments from the fat … let me say slightly overweight … field inspectors. I am a little over my high school weight … I’m fat … so I can talk about weight problems. I am part of the crowd of people who need to lose more weight. Send me some of the higher paying commercial inspections as I need to climb some stairs. It’s great exercise.