Latest / The Art of Adjusting® Podcast / Episode #82 - Giving Thanks (and Adjusting Attitudes)

Transcript

Episode #82 - Giving Thanks (and Adjusting Attitudes) · The Art of Adjusting® Podcast

• 0:06
  William Auten: Hello, I'm Bill Auten of Auten Claims Management.
• 0:09
  Chantal Roberts: I'm Chantal Roberts of CMR Consulting, and welcome to the Art of Adjusting podcast.
• 0:14
  William Auten: Today we're going to talk about life as an insurance adjuster from the perspective of property, auto, liability, or workers' compensation adjusters.
• 0:22
  William Auten: Our goal is to bring interesting topics in the world of claims adjusting to people who are working as an adjuster now and to people who are considering a career as a claims adjuster.
• 0:32
  Chantal Roberts: Hi, Bill.
• 0:34
  William Auten: Hi, how are you?
• 0:35
  Chantal Roberts: I'm so excited to see you.
• 0:39
  William Auten: I'm excited to see you too.
• 0:40
  William Auten: It's been a long time.
• 0:41
  William Auten: We were just talking, the last time I did this with you was in May.
• 0:45
  Speaker 1: Yes.
• 0:46
  William Auten: And uh here it is, here it is, November.
• 0:48
  William Auten: November.
• 0:49
  William Auten: Time flies.
• 0:52
  Chantal Roberts: Yes.
• 0:52
  Chantal Roberts: And you know, it A, it does.
• 0:55
  Chantal Roberts: Um, because when when we were talking, you know, you were like, Oh, I we're I'm grateful because work is busy, um, personal life is busy, and I just gotta, you know, step back.
• 1:09
  Chantal Roberts: I mean, something has to fall.
• 1:10
  Chantal Roberts: And every way, and we talk about that all the time.
• 1:13
  Chantal Roberts: In fact, Heather and I had talked about that recently with the with the cat claims.
• 1:17
  Chantal Roberts: Like, you gotta take care of yourself, yeah, you know, and um so I was uh fortunate enough to be able to have people step in for you.
• 1:29
  Chantal Roberts: Um, so I thought what we would do, because it's gonna be the Thanksgiving uh episode, and we've done this before, we do it like every we have we have theme.
• 1:38
  Chantal Roberts: You know, I love a good theme.
• 1:39
  Chantal Roberts: You know, I love a good theme.
• 1:42
  William Auten: That's that's what the spreadsheet's all about.
• 1:44
  Chantal Roberts: Exactly.
• 1:45
  Chantal Roberts: Um, yeah.
• 1:46
  Chantal Roberts: And and I love a good theme.
• 1:48
  Chantal Roberts: And so I thought, and to ease you back in from being gone for six months, we fortunately we're starting off with Thanksgiving, and we could talk about how grateful we are for like everything.
• 2:00
  William Auten: And oh yeah, there's a long list too.
• 2:03
  Chantal Roberts: Yeah, like how grateful are we both to Sandy and to Heather for stepping in and being co-host.
• 2:14
  Chantal Roberts: And um I loved talking with those ladies.
• 2:18
  William Auten: Yeah, they they're great.
• 2:20
  William Auten: I um I you know, I hope they'll come back and uh then I'll have an opportunity to uh to chat with them also.
• 2:29
  Chantal Roberts: Yeah.
• 2:29
  Chantal Roberts: And and I really appreciated them coming in and and being a co-host because you the reason why we started talking is this was originally your podcast.
• 2:43
  Chantal Roberts: And uh it's it's just really hard to hold a conversation with yourself, yeah.
• 2:51
  William Auten: It gets pretty dry pretty quick.
• 2:52
  Chantal Roberts: Yeah, yeah.
• 2:53
  William Auten: Of course, now I talk to myself all the time because I'm a genius, but or you have multiple personality disorders, so you have plenty to people, plenty of people to talk to.
• 3:05
  Chantal Roberts: Don't uh isn't that like letting HIPAA go and stuff?
• 3:09
  Chantal Roberts: Like, I didn't even want to let people know that um one of the reasons why um you were having to step away, and I think we had announced it previously, is that your wife had had taken a bad tumble and and um uh had to have surgery.
• 3:23
  Chantal Roberts: And I think you said that she's she's going to have to have her pens removed or something shortly.
• 3:29
  Chantal Roberts: But um Yep, yep.
• 3:31
  William Auten: Uh second operation's coming up here soon, so um she'll be down for the count for a little while there.
• 3:37
  William Auten: But boy, what an experience that has been, because the type of injury she has is one of the most common injuries that we get from slip and falls and trips downstairs, and um watching an actual reduction take place in the emergency room, for example.
• 3:56
  William Auten: Um, I read all these medical records, you know, we see the after effects, the long-term, you know, PT and disability that happens from it, but um, I've lived it now.
• 4:08
  William Auten: So uh I and I've had conversations with attorneys who's had who who are representing clients who have this injury, and I tell them, look, I know what this injury is about.
• 4:20
  William Auten: You you uh you know, there's not much to um exaggerate about it.
• 4:26
  William Auten: They're they're bad.
• 4:27
  William Auten: Um we got on a Facebook group, well, she did.
• 4:31
  William Auten: I'm not allowed in there because I didn't have the injury, but if you have this type of injury, you can go into these Facebook groups where it's almost like a support group.
• 4:39
  William Auten: So all these people have the same type of injury, they all show pictures of their x-rays with all the hardware and and they brag about how many screws they have in their leg.
• 4:47
  William Auten: It's really interesting.
• 4:49
  Chantal Roberts: Oh, that's nice.
• 4:50
  Chantal Roberts: Um, you know, my husband, he he has uh a Facebook group that he has joined.
• 4:55
  Chantal Roberts: I won't let people know what what he has, but uh they do the they kind of do the same thing.
• 5:01
  Chantal Roberts: Um, although he sometimes has to monitor how much he reads the Facebook page because he gets a he gets upset.
• 5:08
  Chantal Roberts: You know, it's like, oh my gosh, I'm I'm I'm never gonna be well again and blah blah blah.
• 5:13
  Chantal Roberts: And so yeah, it's um one of those things.
• 5:16
  Chantal Roberts: But I would also say um, you know, how grateful we are for modern medicine to be able to take care of of um those kinds of of things.
• 5:32
  Chantal Roberts: Um oops, I looked at the wrong thing.
• 5:34
  Chantal Roberts: Oh well.
• 5:35
  Chantal Roberts: Uh I pulled up the wrong agenda.
• 5:38
  Chantal Roberts: That's fine.
• 5:41
  William Auten: It's okay.
• 5:42
  William Auten: I I have the right one here.
• 5:43
  Chantal Roberts: That's good.
• 5:44
  Chantal Roberts: I'm glad.
• 5:45
  Chantal Roberts: Yeah.
• 5:45
  Chantal Roberts: Um, so I would also say what?
• 5:50
  Chantal Roberts: Um I know because I I usually put it up at the very, very top, but I got so excited about seeing you.
• 5:56
  Chantal Roberts: I was like, oh my god.
• 5:58
  Chantal Roberts: Because I haven't seen you in forever.
• 6:00
  William Auten: Um it has been a while, yeah.
• 6:02
  William Auten: Like I've been watching you guys, though.
• 6:03
  William Auten: I've been watching.
• 6:04
  William Auten: Oh, have you?
• 6:04
  William Auten: Yes, yes.
• 6:06
  Chantal Roberts: Oh wow.
• 6:06
  William Auten: Yes, and you did a nice series on mutuals uh on LinkedIn there.
• 6:10
  William Auten: That was that was pretty good.
• 6:12
  Chantal Roberts: On um LinkedIn, yeah.
• 6:13
  Chantal Roberts: So go check it out on LinkedIn.
• 6:15
  Chantal Roberts: Um, by the way, guys, like, subscribe, comment on LinkedIn, on YouTube, on Spotify, especially on YouTube and Spotify, because that helps bring the podcast, the algorithm up.
• 6:27
  Chantal Roberts: I mean, like literally helps.
• 6:29
  Chantal Roberts: And I had been asking, I've listened, I don't know if you heard, but I've started listening to this podcast where the woman, the host, would be like, just give me five new listeners and should get 10 or whatever.
• 6:42
  Chantal Roberts: And and so I'm like, Yeah, let's just get three new listeners.
• 6:46
  Chantal Roberts: There you go.
• 6:46
  Chantal Roberts: Three new subscribers, and um, so that's what I want.
• 6:50
  Chantal Roberts: Like three new subscribers.
• 6:51
  Chantal Roberts: Woo! Three new, three new subscribers.
• 6:54
  Chantal Roberts: Um, to go with to go with the six that we already have.
• 6:58
  William Auten: Yeah, I think it's more than six, by the way.
• 7:00
  William Auten: I think it is more than six.
• 7:06
  Chantal Roberts: But um yeah, so um talking about what we're grateful for as adjusters, uh, you know, now you know, and you can be more empathetic uh because your wife has suffered this this this injury and and you know what's going on and and know that people aren't you know exaggerating.
• 7:29
  Chantal Roberts: And I think that um is is particularly helpful.
• 7:34
  William Auten: Yeah, yeah, for sure.
• 7:35
  William Auten: When you can kind of feel their pain a little bit, you at least know realistically what um what they're going through, and and being able to demonstrate that you know, I think helps to grease the wheels a little bit with uh with a claimant or their attorney, just so that you know they understand that you're not coming from uh coming at this from a place of um you know disdain for them or you know that you're doubtful about what they're going through or anything like that.
• 8:05
  William Auten: That you really do understand what the you know the the pile of doo-doo that they're in right now and the deal the deal that they have for the next uh six or eight months or even 12 months.
• 8:17
  Chantal Roberts: So yeah, yeah, absolutely, yeah.
• 8:20
  Chantal Roberts: Um, and and you know, like you said, treating them with care and compassion always opens doors.
• 8:28
  Chantal Roberts: And I know I've used this um example before, but uh when Aaron had to go to the hospital, I I was very nice to the nurses.
• 8:41
  Chantal Roberts: I was like, hey, I'm getting ready to pick up my dinner.
• 8:43
  Chantal Roberts: Do you want me to pick you up anything?
• 8:45
  Chantal Roberts: And next thing I know, he had been upgraded to like a semi-private room, and this was during um COVID and everything.
• 8:52
  Chantal Roberts: Um, and so yeah, I mean, rooms were hard to come by uh and everything, especially in the ER.
• 8:59
  Chantal Roberts: So always being nice never never hurts anybody.
• 9:04
  William Auten: Yeah, and and it's this this is not a tactic, by the way.
• 9:07
  William Auten: This is not like uh some sort of tactic to try and uh get your get your claim values lowered by any means.
• 9:14
  William Auten: All it is is being human uh for a minute, so that you can uh kind of it's a it's this business is all about relationships, and though those relationships uh exist between you and your policy holders, you and your client if you're in a business like mine, uh, and you and your claimants or their attorneys.
• 9:35
  William Auten: Um and you have to be, you know, you're still a person at the end of the day.
• 9:40
  Chantal Roberts: Right.
• 9:40
  Chantal Roberts: So and you have to realize too that you you do run into the same people over and over and over again.
• 9:46
  Chantal Roberts: Like you're gonna like you, like you said, you're gonna run into the same attorneys over and over again.
• 9:52
  William Auten: And a shout out to all my attorneys that are uh on the opposing side out there in in the the New York area.
• 9:58
  Chantal Roberts: Yeah.
• 9:59
  William Auten: Hi guys, hi gals.
• 10:01
  Chantal Roberts: Do they listen?
• 10:02
  Chantal Roberts: Hi, we should have some.
• 10:03
  Chantal Roberts: I don't know.
• 10:04
  Chantal Roberts: We should have some of them on because I think one of the things that would be would be a good topic would be how do lawsuit suits work?
• 10:12
  Chantal Roberts: Like what's the what's the flow?
• 10:15
  William Auten: That would actually be a great uh a great interview for uh if a claimant's attorney would be willing to come on.
• 10:23
  William Auten: Um, and this will be my public shout out to all my peeps that uh that I have files with that if you're brave enough to come on uh talk to us about that, I'd love it.
• 10:33
  Chantal Roberts: We did have Broden on um a couple like yeah, last year or maybe early this year, I have no idea.
• 10:40
  Chantal Roberts: Um, but he was a uh plaintiff attorney, and um that was really an interesting conversation.
• 10:48
  Chantal Roberts: So uh, you know, again, thankful for for our brain trust that is willing to to come up and and talk with us and and share with us um their knowledge and everything.
• 11:02
  William Auten: One one of the things I had on here, uh, in addition to your uh what are we thankful for as an adjuster, um is I hate to say it, but attorneys.
• 11:12
  Chantal Roberts: I mean hey, no shade.
• 11:15
  Chantal Roberts: I am I am not not upset about an attorney at at any given point in time.
• 11:19
  Chantal Roberts: In fact, I have had uh insureds and claimants who just did not understand what I was saying to them.
• 11:28
  Chantal Roberts: You know, they they they just didn't trust me.
• 11:31
  Chantal Roberts: Um, and and and I'm gonna go get an attorney.
• 11:36
  Chantal Roberts: And I'm like, I think that's a good idea.
• 11:39
  William Auten: There are cases that we've had that have been so um either serious or complex or a combination thereof that it just makes better sense for them to get an attorney.
• 11:52
  William Auten: We can't really tell them that.
• 11:54
  William Auten: We can't really say, you know what, I don't want to deal with you, you go get an attorney.
• 11:59
  William Auten: It's it's not about that, it's more of um look, this is you know, for this claim to reach its logical conclusion, there's so many things that have to happen that an attorney is really the best way.
• 12:11
  William Auten: And one example of that is when there's a child, uh, because we have to get a court order to settle it anyway.
• 12:18
  Chantal Roberts: The ad lightum.
• 12:18
  Chantal Roberts: If you don't know what an ad lightum is, guys, that is uh technically we are and we don't always do it, but technically we are supposed to go to the court and have the court rule that we're doing everything correct, even though we're dealing with the parents and you know, all of that kind of stuff.
• 12:36
  Chantal Roberts: So, yeah, absolutely.
• 12:38
  Chantal Roberts: And um, you know, the attorneys who have done this before can smooth the process because it's so hard when you are involved with your house.
• 12:52
  Chantal Roberts: You know, think about your house burning down and all your memories and all your clothes and all of this kind of stuff.
• 12:58
  Chantal Roberts: It it's hard because it's personal.
• 13:02
  Chantal Roberts: Whereas you and me, we're the adjusters, and it's not personal for us, it's our job.
• 13:07
  Chantal Roberts: And so sometimes having an attorney there can help make this not personal and and can right translate things that are going on.
• 13:20
  William Auten: Yeah, yeah, and and and sometimes the uh the injured party, either property or injury, uh using it the term kind of interchangeably here, but when an injured party is um they they need somebody to talk to, they need an ear.
• 13:37
  William Auten: Yes, and sometimes that's us, but we are adversary, uh and um having someone to represent them is probably the best bet in some cases, not every case.
• 13:50
  William Auten: Um we settle cases directly with claimants a lot.
• 13:55
  Chantal Roberts: Oh yeah.
• 13:55
  Chantal Roberts: And then and and and it's the same thing with a with a a public adjuster.
• 14:00
  Chantal Roberts: Uh now I have feelings about public adjusters, and I know that public adjusters listen to this podcast, uh and they know my feelings because I'm I don't hide those feelings from from people.
• 14:14
  Chantal Roberts: But um, you know, sometimes the public adjusters help, uh, just like our agents, just like, you know, uh the agents, they sometimes help, be just like the attorneys, because there are they are other people who can explain things to the insureds or the claimants or what have you.
• 14:35
  Chantal Roberts: Um because we work for the big bad insurance company.
• 14:40
  Speaker 1: Right.
• 14:40
  Chantal Roberts: So I'm thankful for for these guys as well.
• 14:44
  William Auten: At the end of the day, uh there's there's adversarial relationships um in in this business, it's just part part of the deal.
• 14:53
  William Auten: Uh it doesn't make the people on either side of the argument bad people.
• 14:57
  William Auten: Um and uh the way that you get to uh meeting eye to eye is uh is a demonstration of how professional and uh how good a person you actually are at the end of the day.
• 15:12
  Speaker 1: Yes.
• 15:13
  William Auten: Because if you're if you're only doing this with uh uh you know to try and bludgeon your opponent um and to be mean about it and and underhanded, it's not gonna work out well.
• 15:26
  William Auten: No.
• 15:27
  Chantal Roberts: Um no, I totally agree with you.
• 15:29
  Chantal Roberts: And open communication, of course.
• 15:31
  Chantal Roberts: And I I'll tell you, uh with the plaintiff attorneys and the policy holder attorneys and the public adjusters, I've actually learned quite a bit from them.
• 15:44
  Chantal Roberts: You know, uh I recommend to my students that they read Chip Merlin's blog, get on his newsletter, read his blog, and I have learned, I'm like, oh yeah, you know, Chip has a point.
• 15:56
  Chantal Roberts: And I was talking to a public adjuster about ITEL, the the system that uh that you can, or the company that you can send like a shingle to or some carpet to, and they can tell you, like, yeah, there's this place over here where you can go get the remnants of this carpet so that you don't have to get all new carpet or um all new shingles or whatever.
• 16:22
  Chantal Roberts: And they were pointing out that there are some issues with that, being that the contractor usually goes to Home Depot or Lowe's or whatever and gets a contractor discount.
• 16:36
  Chantal Roberts: But if they have to order it from, I don't know, Spokane, Washington, because that's where the remnants of the tile or whatever are, they have to pay shipping, they don't get the the refund.
• 16:49
  Chantal Roberts: So it actually does cost more.
• 16:51
  Chantal Roberts: And and so then we as adjusters have to balance that out.
• 16:54
  Chantal Roberts: And I'm like, wow, you know what?
• 16:56
  Chantal Roberts: This is a good point.
• 16:57
  Chantal Roberts: I've never thought about that.
• 16:59
  William Auten: So yeah, that comes up quite a bit, actually.
• 17:01
  Chantal Roberts: Um I'm thankful for these sorts of open communications.
• 17:05
  Chantal Roberts: So yeah.
• 17:06
  Chantal Roberts: Yeah.
• 17:07
  Chantal Roberts: Uh so what what else?
• 17:10
  Chantal Roberts: Uh listeners and guests who have joined the podcast.
• 17:13
  Chantal Roberts: We've thanked them, our co-hosts uh thanked them.
• 17:17
  William Auten: Um I have here insurers who recognize the need for quality investigations because those are the folks that send us business, and they've done so uh um remarkably well in 2025.
• 17:32
  William Auten: So uh it was just amazing.
• 17:35
  Chantal Roberts: Yeah.
• 17:36
  William Auten: And continues to be.
• 17:37
  Chantal Roberts: So absolutely.
• 17:38
  Chantal Roberts: I am continuously uh grateful for all of the uh education that people want to get.
• 17:50
  Chantal Roberts: Like you had mentioned the the module or the the the thing that I had done on on LinkedIn where I was talking about mutuals and shareholders and how insurance companies make money because I see this thing on LinkedIn all the time where it's like insurance companies deliberately low pay or no pay or slow pay to save money.
• 18:15
  Chantal Roberts: And it just drives me up the wall.
• 18:18
  William Auten: It's a trigger with me, it's a trigger, and um yeah, the the whole dn den uh delay, deny, defend um tax you know, opinion about insurance companies.
• 18:30
  Chantal Roberts: Now, does it happen?
• 18:31
  Chantal Roberts: Sure, it happens.
• 18:32
  Chantal Roberts: Yeah, in my own opinion though, never mind.
• 18:35
  William Auten: It's just well here's here's the thing.
• 18:39
  William Auten: Uh it doesn't happen intentionally.
• 18:41
  William Auten: Um yeah, I think it probably does, and where it does, it should stop.
• 18:45
  William Auten: It should not be an intentional um tactic or strategy for a company.
• 18:50
  William Auten: Right.
• 18:51
  William Auten: Um, I don't really see it happening um intentionally, but they're uh you know to get to the end of a claim, a lot of things have to happen.
• 19:04
  William Auten: Right.
• 19:04
  William Auten: And that's just the process.
• 19:06
  William Auten: And it that process is in place to make is it is in place to ensure that everything is fair.
• 19:13
  William Auten: Because if we didn't have that, um there would just be an you know an ATM machine with an unlimited amounts of money available um that people would just go to and just you know, we we can't have that either.
• 19:28
  Chantal Roberts: So no, and let's talk about that too, because then our insurance premiums would be unaffordable.
• 19:35
  William Auten: Right.
• 19:35
  Chantal Roberts: It it really is all tied together.
• 19:38
  Chantal Roberts: And one of the things that my class said to me this just this past Tuesday when I had class, because I asked him again, I'm like, remember, there are like you know, four, five, six, depending on which book you use, reasons why we have exclusions in the policy.
• 19:56
  Chantal Roberts: And I said, What are some of those exclusions?
• 19:59
  Chantal Roberts: Uh you know, yell them out to me because we studied that last semester.
• 20:03
  Chantal Roberts: And so they were doing that.
• 20:05
  Chantal Roberts: And one of the students typed in the chat saying how grateful she was to learn that and and how surprised she was at how everything kind of you know meshed together.
• 20:23
  Chantal Roberts: And I'm like, amazing.
• 20:25
  Chantal Roberts: Yeah, but we didn't we just don't teach that, unfortunately.
• 20:28
  Chantal Roberts: Not that necessarily claims adjusters need to know that because it's not going to come up that often in um your conversation, except to say, what do my policy, what does my premium pay for?
• 20:40
  Chantal Roberts: What am I paying premiums for?
• 20:41
  Chantal Roberts: Blah, blah, blah.
• 20:42
  Chantal Roberts: And the answer is usually covered claims.
• 20:46
  Chantal Roberts: Something very specific.
• 20:48
  William Auten: Yeah, it's it's paying for something very specific.
• 20:51
  William Auten: Exactly.
• 20:52
  William Auten: I mean, if you look at some of the exclusions, I'll take the liability side.
• 20:55
  William Auten: So there's an employee exclusion on the general liability side.
• 20:58
  William Auten: That means if you're a business and your employee gets hurt, um your general liability coverage is not gonna apply there.
• 21:06
  William Auten: But you know, it does apply, workers comp.
• 21:08
  William Auten: So you gotta pay, you know, if you if you wanted the GL policy to cover employees, then maybe we should do away with workers' comp and it all goes under the GL.
• 21:18
  William Auten: And your GL premiums would reflect that.
• 21:21
  William Auten: It would be, you know, it would take you would take your workers' comp premiums and then apply them to your and they would probably be double because uh workers comp has its own set of rules and exclusions and limitations and stuff, and that's to keep the premiums affordable.
• 21:38
  William Auten: Uh so it it all does uh uh flood is another one.
• 21:43
  William Auten: Um, you know, your uh flood exclusion is on your homeowner's policy.
• 21:47
  William Auten: Well, why do I buy insurance?
• 21:48
  William Auten: Well, you buy it for the other stuff that could happen to your house.
• 21:51
  William Auten: If you want flood coverage, you have to pay extra on a different policy, and then there's a vehicle for that.
• 21:57
  William Auten: You just have to go find it.
• 21:59
  William Auten: Exactly.
• 21:59
  William Auten: So exactly.
• 22:01
  William Auten: And not everything, and and not everything can be insured.
• 22:05
  William Auten: Uh Lloyd Zaludin does a pretty good job of insuring some weird stuff, but um but you know, you you can't you can't insure for war or bad cooking.
• 22:19
  William Auten: War, yeah, yeah.
• 22:20
  Chantal Roberts: I don't know though.
• 22:21
  Chantal Roberts: I mean, bad cooking can turn into a a fire and a smoke.
• 22:25
  Chantal Roberts: You know, uh if if I'm cooking, that's then it could probably be covered because there would be smoke damage and uh maybe a fire.
• 22:35
  Chantal Roberts: Uh this is why my husband doesn't let me cook.
• 22:38
  Chantal Roberts: Uh he's like, no, babe, why don't you sit down?
• 22:40
  Chantal Roberts: You've worked hard today.
• 22:42
  William Auten: That was a terrible example.
• 22:43
  William Auten: Bad bad cooking is is covered on so many levels.
• 22:46
  William Auten: I mean, food poisoning is covered.
• 22:49
  Chantal Roberts: Out of wax.
• 22:50
  Chantal Roberts: Oh my goodness gracious.
• 22:53
  Chantal Roberts: Well, you know what?
• 22:54
  Chantal Roberts: Let's move on to um, you know, maybe Thanksgiving around the work site.
• 23:00
  Chantal Roberts: I mean, you were still working, you have been very blessed.
• 23:03
  Chantal Roberts: You said you you've got a new client.
• 23:06
  Chantal Roberts: Um, they were keeping you busy.
• 23:08
  Chantal Roberts: Uh, what was some of the surprises that you had this year?
• 23:13
  William Auten: So surprises.
• 23:14
  William Auten: Um we so 2024.
• 23:17
  Chantal Roberts: Gratitudes or whatever.
• 23:18
  Chantal Roberts: Yeah.
• 23:18
  William Auten: Uh 2024 was the biggest year we've had, and 2025 beat that by 60 some odd percent.
• 23:27
  William Auten: Wow.
• 23:28
  William Auten: Congratulations.
• 23:29
  William Auten: That kind of yeah, I know.
• 23:31
  William Auten: That's a lot to to uh uh absorb in a short period of time.
• 23:37
  William Auten: You know, we we had been growing maybe 12-15 percent each year over the past six years.
• 23:44
  William Auten: This one this was big, and it was in a bad year because of Amy getting injured and all that.
• 23:51
  William Auten: Uh we moved our office.
• 23:53
  William Auten: Um thankful for that.
• 23:55
  William Auten: We have uh a fairly large team now helping.
• 24:00
  William Auten: Um we've got uh four adjusters within the region, and then we have uh probably 30 or 40 that can help with field work, so in three different states.
• 24:15
  William Auten: So that's pretty cool.
• 24:17
  William Auten: So I'm pretty thankful for that.
• 24:18
  William Auten: Yeah, I'm I'm thankful for that and that we that we learned how to manage it so that I don't want to grow again this much in one space.
• 24:28
  William Auten: I I want to manage what we have um and grow and get back to our 12 or 15 percent.
• 24:35
  Chantal Roberts: Yeah.
• 24:35
  William Auten: Um but I am thankful for it and it's thankful that we uh lived through it.
• 24:40
  William Auten: Um you had some really interesting things to be thankful for as adjusters, and one of them is clean photos from field adjusters.
• 24:51
  Chantal Roberts: So yeah.
• 24:53
  William Auten: Shout out to my to my adjuster friends.
• 24:56
  William Auten: Um, you know, if you if it's dark, use a flash.
• 25:00
  William Auten: Yes, maybe um, um, or at least keep your camera really still when you take the photo because uh motion blur is a thing.
• 25:10
  Chantal Roberts: Yes, yes.
• 25:11
  Chantal Roberts: You know, and and I love again the measurements.
• 25:15
  Chantal Roberts: Uh I used to do low impact.
• 25:17
  Chantal Roberts: We discussed, we had a podcast about low impact claims, and I used to do low impact claims, and it was so important to take measurements.
• 25:28
  Chantal Roberts: And you with with you, they would get the tape measure out with the bumper, and and that way they would compare the insured's bumper to the claimant's bumper, and you know, you would either see that yes, they would match or no, they wouldn't match.
• 25:45
  Chantal Roberts: And so maybe that would be something we need to be looking at, you know.
• 25:50
  Chantal Roberts: Uh so that was something that was great with clean photos.
• 25:56
  Chantal Roberts: Same thing, and I'm sure you get this a lot too, especially in New York, because I think there's special rules about sidewalks and who owns the sidewalk, but then you're you know, like the city will own the sidewalk, but the store has to take care of it or something to that effect.
• 26:13
  Chantal Roberts: Well, if there is a quarter of an inch, half inch difference in between the the levels, a good little measurement helps out a great deal.
• 26:29
  William Auten: Yep.
• 26:29
  William Auten: And if and if you don't have a tape measure, use a quarter or use a dollar bill or uh a big pen is a good uh reference or a uh a penny on its edge.
• 26:41
  Chantal Roberts: Um which we won't have anymore.
• 26:42
  Chantal Roberts: Um much more.
• 26:45
  William Auten: No more pennies.
• 26:46
  Chantal Roberts: We're gonna have to start hoarding them, I guess.
• 26:48
  William Auten: I guess so.
• 26:49
  William Auten: They'll be worth in about 15 years, they'll be worth what 1.3 cents because they're exactly.
• 26:55
  Chantal Roberts: Yeah, I was gonna say like 1.5 cents, maybe two cents.
• 26:58
  Chantal Roberts: I don't know.
• 26:58
  Chantal Roberts: Not not a lot, probably.
• 27:00
  Chantal Roberts: Probably not.
• 27:01
  Chantal Roberts: Okay, so um trivia question.
• 27:04
  Chantal Roberts: Do you know what the currency is underneath a penny?
• 27:10
  Chantal Roberts: Like there used to be coins underneath a penny.
• 27:15
  William Auten: I don't.
• 27:16
  Chantal Roberts: It's a mill, M-I-L-L.
• 27:18
  Chantal Roberts: And back in the day, of course, our younger listeners won't know what we're talking about, but back in the day, there used to be gas stations which would say, Yeah, gas is one dollar and ninety-nine cents, and then there would be a little bitty nine up on the top of that one dollar and ninety-nine cents, like a little bitty nine, like a subscript or whatever, or not a subscript, because that'd be bottom.
• 27:45
  William Auten: Like a thousandth.
• 27:46
  Chantal Roberts: Yeah, like a thousandth or whatever.
• 27:48
  Chantal Roberts: Um a superscript.
• 27:50
  Chantal Roberts: That's what it's called, a superscript.
• 27:52
  Chantal Roberts: So, and anyway, uh that was a mill.
• 27:58
  Chantal Roberts: And one guy, I have no idea how he did this, how he convinced a bank to do this, but one guy uh had convinced a bank at one time to give him all the mills that they collected from everybody, and he became a millionaire.
• 28:16
  Chantal Roberts: I'm like, that's a genius idea.
• 28:19
  Chantal Roberts: Anyway, but yeah.
• 28:20
  William Auten: Remember the movie The Office?
• 28:22
  William Auten: No, office office space, I think it's yeah, yeah, yeah, yeah.
• 28:27
  Chantal Roberts: I love that.
• 28:28
  William Auten: And they they did that, they they shaved off the fractions of the pennies in the in the trades on the stocks or something.
• 28:36
  William Auten: Yes, yes, and they and then they burn the building down.
• 28:40
  Chantal Roberts: Yes.
• 28:40
  William Auten: That was a good movie.
• 28:41
  William Auten: Don't burn buildings down, but don't burn buildings down.
• 28:45
  Chantal Roberts: Likewise, don't be like a gangster and and take your printer slash copier out into a field and beat it up with a baseball bat.
• 28:55
  William Auten: Oh, I've been close.
• 28:56
  Chantal Roberts: I can I have been too.
• 28:57
  Chantal Roberts: I I I sit with my printer right next to me and thank god.
• 29:03
  Chantal Roberts: Let's be thankful for our technology that we have.
• 29:06
  Chantal Roberts: That's right.
• 29:07
  Chantal Roberts: That was on the list too.
• 29:08
  Chantal Roberts: You know, like these things that we are talking about right now.
• 29:11
  Chantal Roberts: Uh internet that works, you know, claim systems that are up.
• 29:16
  Chantal Roberts: Uh and I mean, because how unproductive is it when your claim system is down all day long and you can't do anything.
• 29:22
  Chantal Roberts: But anywho, yeah, so I look at my printer every once in a while and I threaten to throw it out of my second story window and then take a baseball bat to it if it doesn't cooperate.
• 29:32
  Chantal Roberts: And then all of a sudden, like it speaks English, it starts working.
• 29:37
  William Auten: Now you're probably too young to uh relate to this, but digital cameras uh are are a really big deal when I first started.
• 29:46
  William Auten: It was 35 millimeter.
• 29:48
  William Auten: We'd had to take them to the developer and you'd get free duplicates.
• 29:52
  William Auten: Yeah.
• 29:53
  William Auten: So um I started and then you'd have to you'd have to tape them all to the photo sheet and
• 30:00
  unknown: Yeah.
• 30:00
  Chantal Roberts: Yes, yes, yes.
• 30:02
  Chantal Roberts: So yay, technology.
• 30:04
  Chantal Roberts: I remember okay.
• 30:05
  Chantal Roberts: Member by the way, Heather Blevins and I started like the musical version of the Art of Adjusting podcast because we just started singing randomly, but yes.
• 30:18
  Chantal Roberts: So anywho, um we both remembered faxes.
• 30:22
  Chantal Roberts: GPS.
• 30:24
  Chantal Roberts: Oh god, yes, GPS.
• 30:26
  Chantal Roberts: But we all remembered faxes that would come in over like the thermal paper, and after two years it like all went away.
• 30:36
  Chantal Roberts: Yeah, it would all fade.
• 30:37
  Chantal Roberts: Yeah, who knew?
• 30:38
  Chantal Roberts: Yeah.
• 30:40
  William Auten: How many how many paper book maps do you have in your car these days?
• 30:45
  William Auten: Because when I started this business, I used to have uh at least three.
• 30:50
  William Auten: Uh and then a big New York State map.
• 30:53
  William Auten: Um, I don't have any now.
• 30:56
  Chantal Roberts: No, I don't have any.
• 30:58
  Chantal Roberts: No, I don't have any.
• 30:59
  Chantal Roberts: And in fact, it's kind of fun because I do like to tell, I do like to do this to my students every once in a while.
• 31:06
  Chantal Roberts: Like, how are you going to find your insured's house?
• 31:09
  Chantal Roberts: And they're like, oh, you just point it in.
• 31:12
  Chantal Roberts: I'm like, he lives in the middle of the country.
• 31:14
  Chantal Roberts: Yeah, you there's no cell reception.
• 31:17
  Chantal Roberts: How are you going to find you know, yeah, you can point, you could do Route One, blah, blah, blah, but you drive out to Route 1 and it is a cow pasture.
• 31:29
  Chantal Roberts: What are you gonna do?
• 31:31
  Chantal Roberts: That's the mailing address.
• 31:32
  Chantal Roberts: But anyway, yeah.
• 31:34
  William Auten: So SMS messaging, uh text messaging has been uh really a game changer because it's been around a while, but I don't think we've been actively using it in my line of work uh until probably the last four or five years.
• 31:53
  Chantal Roberts: Um and uh I do have issues with it though.
• 31:56
  Chantal Roberts: Although I'm become I'm I'm turning around to it.
• 32:01
  Chantal Roberts: Go ahead.
• 32:01
  Chantal Roberts: I interrupted.
• 32:04
  William Auten: Well, I from a business operations standpoint, um it it does a few things.
• 32:10
  William Auten: Uh one, it um it allows for more immediate and direct contact because a lot of people are busy and they're not answering their phone or whatever.
• 32:21
  William Auten: They get that text message and and they may respond to it at 11 p.m.
• 32:26
  William Auten: You know, uh which is fine.
• 32:28
  William Auten: Um at least now you've got a trail of contact.
• 32:32
  Speaker 1: Yes.
• 32:33
  William Auten: Um the other advantage is you can transmit documents and photos and um various things through through that medium, and that's been a big game changer as well.
• 32:45
  William Auten: And the the last thing I love about it is um when you're when you're dealing with someone who is not a native English speaker, um, because you can use a translator app and communicate with them that way.
• 32:58
  William Auten: I've had uh situations where on my end, I'm sending them translated messages in their language so that they can read them and they respond and and we we work that way.
• 33:09
  William Auten: In other situations, they like it because they're the ones using the translator and they want to translate and and send it to me.
• 33:17
  William Auten: And um, so that that's been for our line of work really important.
• 33:24
  Chantal Roberts: That's great.
• 33:25
  Chantal Roberts: My original concern, and and it, and it's not becoming so much of a concern now, was that when we were texting people, it wasn't showing up in the claim file.
• 33:37
  Chantal Roberts: And now with a lot of the major insurers, the adjusters can quote unquote text and it immediately shows up into the into the claim file.
• 33:49
  Chantal Roberts: So I do like that.
• 33:50
  Chantal Roberts: I do like that.
• 33:51
  Chantal Roberts: Uh, because that's that's my main concern is keeping the the claim file intact.
• 33:57
  William Auten: Yeah.
• 33:58
  William Auten: And what we have, we can import all that stuff into our claim file.
• 34:02
  William Auten: So that's you know, if you're a carrier or anyone, you know, dealing with claims in any way, uh, try and find a system that'll allow you to do that because it's as valuable as email.
• 34:15
  William Auten: I mean, emails transfer right into our claim files as well.
• 34:19
  Chantal Roberts: Yeah.
• 34:19
  Chantal Roberts: And so I'm sorry, and I was gonna say, and so often when we're sending emails to people, originally it lens lands in spam and and they say, Oh, you we've not been contacted.
• 34:30
  William Auten: Right.
• 34:30
  William Auten: That that can happen.
• 34:32
  Chantal Roberts: Uh-huh.
• 34:32
  William Auten: Happens on both ends, and just one of those things you gotta watch for.
• 34:36
  Chantal Roberts: So absolutely.
• 34:37
  William Auten: What else from a tech standpoint?
• 34:40
  William Auten: That I think that's all I have.
• 34:42
  Chantal Roberts: I want to move on.
• 34:43
  Chantal Roberts: Because I want to ask, I want to do I want to do mad libs.
• 34:47
  Chantal Roberts: I think that'd be fun.
• 34:48
  William Auten: Mad libs?
• 34:49
  William Auten: Yeah.
• 34:49
  William Auten: Okay.
• 34:50
  Chantal Roberts: Okay, so fill in the blank.
• 34:52
  Chantal Roberts: I'm thankful for blank because it saves me from blank.
• 34:57
  William Auten: I'm thankful for adequate limits because it saves me from having to tell an insured that they are at risk of um an excess verdict.
• 35:08
  Chantal Roberts: Yeah, that's brilliant.
• 35:10
  Chantal Roberts: Yes.
• 35:11
  Chantal Roberts: Yes.
• 35:13
  Chantal Roberts: That's but that's a bad day.
• 35:14
  Chantal Roberts: That is a bad day.
• 35:16
  William Auten: When you've got to tell somebody that uh look, there's somebody got hurt to the tune of X amount of dollars, and you only have uh X amount of dollars on your policy, it just it just sends them, you know, into the stratosphere with worry and but what are you gonna do?
• 35:31
  William Auten: You know, so um make sure you have adequate insurance limits on your policies, people.
• 35:37
  Chantal Roberts: Absolutely.
• 35:37
  Chantal Roberts: Yeah, I mean, I I have an umbrella policy, and I just can't get rid of it.
• 35:43
  Chantal Roberts: I started it, I've I've mentioned this before.
• 35:45
  Chantal Roberts: I started it when my two stepsons started driving at 16 because bless them, they didn't have one brain cell between the two of them.
• 35:54
  Chantal Roberts: And and so I they I just petrified me that they would hit a bus full of nuns and orphans.
• 36:02
  Chantal Roberts: And I cannot get rid of that.
• 36:05
  Chantal Roberts: I I I just I I just can't.
• 36:08
  Chantal Roberts: I mean, I would and I would love to raise the limits, uh, but uh it's through my underlying carrier, and they only sell a million.
• 36:19
  Chantal Roberts: So please don't sue me for over a million, guys, because that's all I got.
• 36:22
  William Auten: Um, so they they are uh affordable too.
• 36:27
  Chantal Roberts: They are, it's like 300 bucks.
• 36:30
  William Auten: When you talk about the value that you get uh from that coverage as compared to some of the other insurance products out there.
• 36:37
  William Auten: Um and I'll say this probably every episode: get a renter's policy.
• 36:44
  William Auten: If you're renting an apartment, get a renter's policy.
• 36:48
  William Auten: It's the it's the cheapest insurance out there.
• 36:51
  William Auten: What is it now, 150 bucks a year?
• 36:54
  William Auten: Yes.
• 36:55
  Chantal Roberts: So we've just started in class uh talking about the HO policies, and the students have just started to learn about the HO4.
• 37:04
  Chantal Roberts: And because you know, they're like, I don't need to, you know, the H04 because I don't own the place.
• 37:10
  Chantal Roberts: And I'm like, yeah, but here's the deal.
• 37:12
  Chantal Roberts: Do we really trust Bill with cooking?
• 37:16
  Chantal Roberts: I mean, he just said that we shouldn't trust Bill with cooking, so you know.
• 37:23
  William Auten: Well, there are many cases where tenants um are somehow related to an injury claim or a fire or you know, whatever.
• 37:34
  William Auten: We had that's what we had a case where one tenant um the heat in the building was not controlled per unit.
• 37:41
  William Auten: It was like uh it was like the whole place was yeah, and it was too warm for this couple.
• 37:47
  William Auten: They didn't like it so warm, so they left the window open.
• 37:50
  William Auten: Well, it went down to five degrees.
• 37:52
  William Auten: And uh the radiator located right directly under the window that they left open, froze solid, and then uh thawed out and destroyed the apartment building because where were they that they that this that this lasted so long that they were able to get to uh uh I'm just they uh the floor they I I think it was the situation where they just um got up to go to work and just left things the way they were.
• 38:22
  William Auten: They may have closed the window, which caused it to heat back up and and allow the water to flow again.
• 38:29
  William Auten: By then the pipe was already burst and they came home from work uh to a flooded building.
• 38:35
  Chantal Roberts: Yep, yep, and they'll be responsible.
• 38:37
  Chantal Roberts: Yeah, and I explained that to the students, yeah.
• 38:39
  Chantal Roberts: So what's on your table for Thanksgiving?
• 38:43
  William Auten: Oh, that is gonna be traditional turkey for sure.
• 38:47
  William Auten: Yeah, yeah.
• 38:48
  William Auten: Mersh potatoes.
• 38:49
  Chantal Roberts: Uh oh, I love mush ma mashed potatoes.
• 38:52
  Chantal Roberts: Yeah, especially when they're homemade.
• 38:54
  Chantal Roberts: Yeah, yeah.
• 38:56
  William Auten: Probably have sweet potatoes too or um yams, you know, that kind of thing.
• 39:00
  Chantal Roberts: Yeah, yeah.
• 39:01
  Chantal Roberts: The regular stuff.
• 39:03
  William Auten: You know, we're stuff they see on a Thanksgiving greeting card, all that stuff.
• 39:08
  Chantal Roberts: Yeah, yeah.
• 39:08
  Chantal Roberts: We're not a big Thanksgiving traditional kind of uh I mean, you know, it it's usually just the husband and me, maybe the two kids and their spouses, girlfriends, all of that kind of stuff.
• 39:23
  Chantal Roberts: So it nowadays it's almost impossible to get a small turkey.
• 39:28
  Chantal Roberts: It's like 500 pounds, and then you're eating turkey until next Thanksgiving.
• 39:34
  Chantal Roberts: So we've started doing untraditional stuff like Porchetta and uh, you know, yeah.
• 39:42
  Chantal Roberts: Yeah, that's funny.
• 39:44
  Chantal Roberts: Uh yeah, and and so it's definitely different, and and I like that.
• 39:49
  Chantal Roberts: I definitely like that a little bit better.
• 39:52
  William Auten: So we usually have um 10 to 12 people, uh sometimes more.
• 39:57
  William Auten: The biggest, the biggest one we had, I think we had almost 30 people here.
• 40:01
  Chantal Roberts: Wow.
• 40:02
  Chantal Roberts: Um that's huge.
• 40:04
  Chantal Roberts: Do you all do the cooking and the hosting?
• 40:06
  William Auten: Mm-hmm.
• 40:06
  William Auten: Well, everybody brings something too.
• 40:08
  William Auten: Oh yeah, oh yeah, yeah.
• 40:10
  Chantal Roberts: Yeah, yeah.
• 40:10
  Chantal Roberts: That's good.
• 40:11
  Chantal Roberts: That's awesome.
• 40:12
  William Auten: Yeah, we have fun.
• 40:13
  William Auten: Yeah.
• 40:14
  Chantal Roberts: That's good.
• 40:15
  Chantal Roberts: Yeah.
• 40:16
  Chantal Roberts: So let's see here.
• 40:18
  Chantal Roberts: I um, you know, am thankful for all of our listeners.
• 40:24
  Chantal Roberts: Um, our six, our six subscribers.
• 40:27
  Chantal Roberts: Uh please share with your friends so that we can get nine.
• 40:31
  Chantal Roberts: That's what I'm shooting for.
• 40:33
  William Auten: Sure, sure.
• 40:35
  William Auten: I I have I have not looked at the stats uh for a long time until today.
• 40:40
  Chantal Roberts: Oh yeah, yeah.
• 40:41
  Chantal Roberts: What do we have?
• 40:42
  William Auten: Uh oh, it's in the thousands.
• 40:45
  William Auten: I didn't uh I I don't know, I don't remember the number.
• 40:49
  William Auten: What I was looking at is the um the locations.
• 40:54
  Chantal Roberts: Oh yeah, yeah, yeah.
• 40:55
  Chantal Roberts: Those are fun.
• 40:55
  William Auten: The cities, uh most of the cities are in the US.
• 40:58
  William Auten: Uh-huh.
• 40:59
  William Auten: But there are a lot in Europe.
• 41:01
  William Auten: And um there was um there was this one, and I mentioned it before, that used to show up on every episode, and it was Ansbeck, Lower Saxony.
• 41:13
  Chantal Roberts: Oh, yeah, the Germany place.
• 41:15
  William Auten: Yeah.
• 41:15
  William Auten: So I don't I haven't seen that one uh on on anymore.
• 41:20
  William Auten: So if you're out there, come back.
• 41:22
  Chantal Roberts: Come back.
• 41:23
  Chantal Roberts: Maybe maybe it was because you were gone and and they are listening because of you.
• 41:29
  William Auten: I don't know.
• 41:29
  William Auten: I don't know anybody in Lower Saxony.
• 41:32
  Chantal Roberts: You know, who knows?
• 41:33
  Chantal Roberts: It could be that.
• 41:34
  Chantal Roberts: I actually know on I you know, we kid, or I kid about you know, our six listeners, but I know on YouTube I think we have like a hundred followers or something like that.
• 41:46
  Chantal Roberts: So let's make it 103.
• 41:48
  Chantal Roberts: Yeah, yeah.
• 41:50
  Chantal Roberts: Yeah, so anyway, happy Thanksgiving from all of us at The Art of Adjusting.
• 41:56
  Chantal Roberts: I do want to tell you, next episode will drop on Thursday, December the 4th.
• 42:02
  Chantal Roberts: And like I said, I've already got it planned for you so that I can ease you back into everything.
• 42:08
  Chantal Roberts: Uh, is gonna be the rules of the road um for auto liability, which A, I think you'd like.
• 42:13
  Chantal Roberts: But B, when I teach, or I'm sorry, I don't teach, I facilitate CPCU 530, which is the legal what insurance people need to know about the legal environment.
• 42:28
  Chantal Roberts: I always talk about the rules of the road.
• 42:31
  Chantal Roberts: I have this example where I use the rules of the road, and if you're not an adjuster, they're like, what uh this is so wrong.
• 42:39
  Chantal Roberts: This is this person is at fault.
• 42:41
  Chantal Roberts: I'm like, no, no, no, no, do y'all not remember the booklet that you had to study to get your driver's license?
• 42:47
  Chantal Roberts: Yeah, the rules of the road, and everybody's forgotten it.
• 42:49
  Chantal Roberts: So I thought it would be good to talk about the rules of the road again.
• 42:54
  William Auten: Is there a place we can find a copy of of that uh that document that you have to study?
• 43:03
  Chantal Roberts: I'm sure it's online now.
• 43:05
  Chantal Roberts: Like, but every state is gonna be different.
• 43:07
  Chantal Roberts: However, I think the rules of the road are mostly They're pretty universal.
• 43:13
  Chantal Roberts: Yeah, universal.
• 43:14
  Chantal Roberts: Like just because just because you have the right of way doesn't mean that you should go plowing through an intersection.
• 43:23
  William Auten: Right.
• 43:24
  Chantal Roberts: Like there's control of the for example, the thing that really starts this because the example is, and this just leads us into the next podcast.
• 43:33
  Chantal Roberts: The the example that I use is a left-hand turn, and how a car was making the left-hand turn, and it deals with control of the intersection.
• 43:45
  Chantal Roberts: Uh, and I show these various pictures, like one has damage in the back of the car.
• 43:52
  Chantal Roberts: So the oncoming car, the car that quote unquote had the right of way because they were going straight, hit the car that was making the left-hand turn in the rear.
• 44:04
  Chantal Roberts: Well, in my opinion, the car that was making the left-hand turn had control of the intersection because they were more than halfway through the intersection.
• 44:14
  Chantal Roberts: Am I right?
• 44:14
  Chantal Roberts: I mean you know, and so therefore, just because you have control of the intersection does not mean that you just continue to plow through.
• 44:25
  Chantal Roberts: You have a duty as the rule of the road to yield.
• 44:30
  William Auten: Last clear chance.
• 44:31
  Chantal Roberts: Yes, last clear chance, exactly.
• 44:34
  Chantal Roberts: So that's kind of what I'm doing.
• 44:37
  Chantal Roberts: So I think you could probably just Google rules of the road, or like I know Arkansas, for example, had their book up on the internets, which is always correct, the internet's because it's on there.
• 44:52
  William Auten: I would like to to dive into four-way stops because nobody seems to know how to handle those.
• 44:57
  Chantal Roberts: Oh my god.
• 44:58
  Chantal Roberts: It's it's always the person on the right, unless unless all four of you l get there at the same time, and then you do rock, paper, scissors.
• 45:07
  Chantal Roberts: Okay, we'll talk about that next time.
• 45:11
  Chantal Roberts: We don't want to spoil all the fun that we're going to have.
• 45:14
  Chantal Roberts: Um, but yes, I do actually have four-way stops on on our all on our little agenda.
• 45:21
  Chantal Roberts: So yeah.
• 45:23
  William Auten: Cool.
• 45:23
  Chantal Roberts: Yeah.
• 45:24
  Chantal Roberts: So happy Thanksgiving.
• 45:26
  William Auten: Yes, happy Thanksgiving to you too.
• 45:29
  Chantal Roberts: And we will see everybody on December the 4th to talk about cars and everything.
• 45:34
  Chantal Roberts: Bye.
• 45:35
  William Auten: Thanks for joining us on the Art of Adjusting Podcast, where we talk about life as an insurance adjuster.
• 45:40
  William Auten: Hit that subscribe button real quick and tell all of your adjuster friends to check this out as well.
• 45:45
  William Auten: For independent adjusting services, go to www.autin.claims.
• 45:50
  William Auten: And for anyone interested in working as an independent liability adjuster, go to the contact us tab to join our roster.
• 45:58
  Chantal Roberts: So this wraps up another Art of Adjusting podcast.
• 46:01
  Chantal Roberts: If you enjoyed this podcast or this episode, please give us five stars and a review.
• 46:07
  Chantal Roberts: It does help the algorithm pick us up.
• 46:10
  Chantal Roberts: In the meantime, you can contact me at theartofadjusting.com for consulting and training purposes.