Lightning in a night thunderstorm

Peak Atlantic · day 89

The desk.

Hurricane Isaias paper is out. Daily files still pay.

Residential interior opened to the studs after a loss
The file
Collapsed house with a blue tarp and an inspector on the file
The roof
Flood-mudded mobile homes with inspectors on site
Water
Between names

Quiet basin. Water, hail, and supplements still pay the rent.

Roster

Rosters stay open. Daily files still pay.

License

FL DFS live. Dead ticket, dead file.

Clocks

Florida 7/60. Texas 15. Louisiana 30 after POL.

SPC day-1SPC day-1

An isolated strong thunderstorm across far west Texas may continue for another hour or two before waning by late evening.

OutlookFL EMTX EMLA EM
Desk this week

Hurricane Isaias

Hurricane Isaias paper is out. Still write the dailies.

  1. 01PaperHurricane Isaias paper is out. FL EM-3655.
  2. 02ClocksFlorida 7/60. Texas 15. Louisiana 30 after POL.
  3. 03TicketsFL DFS first. Then TX LA.
  4. 04WatchRead the five-day. A watch is not a name.
  5. 05HailSPC day-1. Wind and hail pay when the cone is empty.
Between names

Daily water and hail still pay. Rosters stay open.

The desk

Florida AG Says His Office Investigating ‘Anti-Public Adjuster’ Endorsements in Policies

Water

Texas Hill Country Floods Inspire New Law for Emergency Weather Alerts

1099 August

No PTO. The file is the paycheck. Ticket has to be live.

News

Fire, water, and the desk. Trade wire only.

Today’s wire. Oct 26, 2026.

Claims JournalDesk

Florida AG Says His Office Investigating ‘Anti-Public Adjuster’ Endorsements in Policies

In the long-simmering clash between property insurers and public adjusters, the adjusters now have Florida’s chief law enforcement officer on their side, after state Attorney Gener

Oct 23, 2026 · National
Claims JournalTropics

Storm Austen Knocks Out Power to Nearly 300,000 French Homes

Storm Austen knocked out electricity to almost 300,000 customers in western France on Friday as hurricane-force winds battered the region, disrupting roads, railways and other tran

Oct 23, 2026 · National
Insurance JournalWater

Texas Hill Country Floods Inspire New Law for Emergency Weather Alerts

Under a new federal law, National Weather Service warnings of life-threatening flash floods or other emergencies could be sent to cellphones via satellite if cell service goes down

Oct 26, 2026 · South Central
Insurance JournalWater

South Florida Facing Higher King Tide Floods, Worsened by Winds and Rain

Parts of South Florida are bracing for unusually high king tide flooding as offshore winds and heavy rain are expected to exacerbate a problem that seems to worsen by the year. The

Oct 26, 2026 · Southeast
Carrier ManagementWater

FEMA Launches Online Purchasing for Flood Insurance Policies

The Federal Emergency Management Agency said it has launched a new tool for residents to buy flood insurance through the National Flood Insurance Program. Available, at floodsmart.

Oct 26, 2026
Carrier ManagementFire

Viewpoint: Pricing Wildfire Risk Is Not the Same as Reducing It

Driven by powerful winds, three wildfires burned rapidly through neighborhoods in Spokane, Wash. Crossing natural and constructed boundaries, the fires damaged or destroyed nearly

Oct 26, 2026
Carrier Management

Weather Service Confirms 2 Tornadoes Touched Down in Arizona Last Week

Two EF-1 tornadoes were reported during storm conditions that rolled through Arizona on October, 21, 2026, according to the National Weather Service forecast office in Flagstaff. A

Oct 26, 2026
Lightning in a night thunderstorm
The basin
Wildfire burning a timbered ridge at dusk
The loss
Charred timber and smoke in a burn
Smoke

Independent firms

Apply, then follow the desk that calls you.

Pilot Catastrophe

Mobile, AL · CAT and daily

Pacesetter Claims

Tulsa · remote desk, daily, CAT

Eberl Claims Service

Denver · field, desk, inspectors

Crawford CAT

Atlanta · catastrophe roster

Wardlaw Claims

Waco, TX · desk and field

Claim Consultant Group

Austin, TX · desk, daily, CAT

Alacrity Solutions

Desk, field, file review · NCA / Worley

Engle Martin

Atlanta · loss adjusting

Sedgwick Independent

Independent resource network

Custard

Nationwide · 1099 roster

RYZE Claim Solutions

IA network and virtual desk

Associated Adjusting

Knoxville · daily and CAT

Davies

Claims and adjusting careers

Frontier Adjusters

Owner-operator IA offices

The Littleton Group

Now Davies · Texas and New Mexico

Colonial Claims

Florida CAT and daily

E.A. Renfroe

Independent adjusting

TIICAG

1099 desk and field network

TSI Adjusters

Largo, FL · independent

Statutes & courts

Hurricane Isaias paper. Florida 7/60 first.

This week · Florida
Florida § 627.70131

The clocks on a residential file.

Acknowledge. Inspect. Pay or deny. Interest if the carrier is late.

7 calendar days Acknowledge the communication
7 days after POL Begin the investigation
30 days after POL Physical inspection
60 days after notice Pay or deny, or interest runs
Texas 542
Texas Ins. Code Ch. 542

Prompt payment on a Texas file.

Acknowledge. Accept or reject. Pay. 18% if the carrier misses.

15 days after notice Acknowledge, start, request items
15 business days Accept or reject after all items
5 business days Pay after notice of acceptance
18% annual interest Damages if they miss the clock
Louisiana 1892
Louisiana R.S. 22:1892

Pay the daily. Stretch it if it’s a CAT.

Start the file. Pay after proof of loss. 50% if they miss and it’s arbitrary.

14 days after notice Initiate the daily adjustment
30 days after POL Pay the daily
60 days after POL Pay CAT residential
50% penalty If the miss is arbitrary

If notice is this day.

Texas Ch. 542. Acknowledge in 15 calendar days. Accept or reject 15 business days after all items. Pay 5 business days after acceptance. Not legal advice.

Acknowledge—
Accept or reject—
Pay—