The Home Business the Insurance Companies Don’t Want You to Know About

On October 30, 2012, Maritza Roman, a petite 27-year-old single mom of two young girls, thought she had weathered the biggest storm she had ever lived through, Super Storm Sandy. Actually, Maritza had managed to avoid any major damage to her home, as Sandy barreled through the state devastating thousands of homes in New Jersey.

However, after the dust had settled, Maritza did notice a wet spot on her dining room ceiling. Upon further inspection of the home’s exterior, it was apparent that the home had sustained some roof damage. Doing the only thing she knew to do, a call to her insurance company was placed. And so, the insurance claim’s process began.

A week later a company claims adjuster inspects the home. Three to four weeks later an insurance settlement letter and check arrives. To Maritza’s surprise, the letter notifies her that the claims adjuster detailed his findings to include the replacement of five missing roof shingles, for a total cost of $1058. Since her policy had a $1000 deductible, all she was awarded in the settlement was a $58 check.

Initially, Maritza accepted the settlement. That is until she went out searching for a roofing company to fix the damage. Ms. Roman states, “No one would do a partial repair. They wouldn’t guarantee a partial fix. Each company said that in order to properly fix the roof all the shingles on the entire sloop would need to be replaced. No company would do the work unless I agreed to repair the roof properly, which meant replacing all the shingles, not just the five missing ones.”

After a few frustrating months of going back and forth with her insurance company, Maritza finally employed the services of a Public Adjuster.

What are Public Adjusters?

Public adjusters are advocates for home and business owners in the insurance claims process. They are trained to accurately interpret the insurance policy, and by so doing, represent the home owners best interest in the settlement of the claim. Many times, this representation amounts to thousands of dollars in favor of the home or business owner.

Art Latannzi, a Cherry Hill New Jersey Public Adjuster, clarifies by saying, “An insurance “Claims Adjuster” is working on behalf of the insurance company. Typically, they are looking to minimize what is being paid out. A “Public Adjuster” is working to represent and protect the rights of the home owner. There is a huge difference in the outcome of a settlement when a Public Adjuster is used.”

Public Adjuster Career

Public Adjusting is a lucrative career that can easily be worked from home. Michael Martinez, top industry trainer and owner of the largest industry specific channel on YouTube (find it by searching YouTube keyword “NJ Public Adjuster”), encourages people by saying, “The Public Adjuster Career is the best kept secret in America. There are very few careers where you can make a great income, truly help people, and do it with minimal time expenditure. That’s what makes this such a great opportunity.”

Mr. Martinez states,”The biggest task of Adjusters is to educate people on their rights. Unfortunately, most home and business owners don’t know that they can, and obviously should have someone representing their rights in cases such as these. Tragically, many don’t even know that we even exist. In fact, in 2016 over 5 million home insurance claims were placed in the US. Of those, less than 5% were represented by Public Adjusters. That tell us that most home owners were at the mercy of their insurance companies. This is what makes this such a great entrepreneurial opportunity.”

Returning to the claim placed by Maritza Roman, when she hired a Public Adjuster and the claim was reopened, she received a new settlement of over $9700. That same claim was originally settled by the insurance company for $58. A considerable difference when you have representation. That is what makes being a Public Adjuster a valuable service.

For those that may see an opportunity, getting involved in this career, your major focus should be in helping home owners. This is the key to unlocking a lucrative income from home.

We are currently looking to train people in the following states: Georgia, South Carolina, North Carolina, Wisconsin, Illinois, Ohio, Maryland, Pennsylvania, New Jersey, Indiana and Colorado.

How To Succeed In A Tough Home Business World

So, you have just established a home business, and you are ready to get it up and running. However, you could still use a little help finding your way. This article is full of useful tips to help you navigate the waters as you start out on your entrepreneurial journey.

Write down business goals. This will give you a clear list of what you hope to accomplish instead of vague aspirations. Every day write down a few things you want to accomplish and what you don’t finish, do it first the next day. This way you’ll be able to keep yourself on the right path.

Make sure your home business web site looks professional and is designed with the user in mind. While there are numerous options to build your own site for little or no cost, often investing a little in a clean and professional design pays off quickly. Visitors are more likely to return again or recommend your site if it is easy to use and appealing.

You are likely going to need additional insurance to cover your home business. Check with your insurance agent to learn if there is any insurance that is required by law or that will protect you from any kind of financial fall-out if anything negative was to happen. Your agent will be able to help you or send you to a company that can.

Keep everything as organized as possible to make it easier for you to keep your bills paid on time and your customers happy. Find a place with few distractions that you can dedicate to only your home business supplies. It will make the time that you spend working more efficient.

Find out what others are saying about your home business and use this on your promotional materials. Positive reviews on websites about your products or your business itself are an excellent, organic way of marketing. Your customers rely on positive experiences of others to make their shopping choices, so why not help them find those glowing reviews?

Determine if your home business is safe and make any needed adjustments, especially if there are children in the home. You might need to buy safety equipment and create policies concerning who can use your space. This will help ensure your family’s safety and help you avoid any accidents that could be a nightmare for your business. Having a home-based business does not exempt you from inspections.

Keep detailed records of what you spend and how much you make. In case your business is audited, you will be expected to have professional-looking records. Learn how accountants keep track of expenses and keep your own business journal on a daily basis. Keep track of expenses, phone calls and mileage among other things.

Running a business from your home is a big, life-changing endeavor. You are sure to face lots of challenges along the way. With a little guidance, all of your hard work can pay off. Try out some of the tips you have learned from this article, and make the most of your home-based business.

Freelance and Fiverr Widen Workers’ Freedom

Freelancer: You are the cutting edge of modern work design.

Designer work is here. Your “job” can now be tailored to fit you like fine custom clothing, and you are the tailor. To benefit, you need an independent spirit and the self-awareness to define just what it is that you really want to do with your life. That can be harder for some than they expect since neither school nor work may have asked us, “What would you love to do?” Neither bosses nor employees normally get to do just what they feel like doing; just ask them.

Freelance work is a way to discover your work in the world and thereby discover yourself. Acknowledging the difficulty and the importance of finding proper work, or right livelihood, the Buddha advised: “Your work is to discover your work and, then, with all your heart, to give yourself to it.” The freelancer is challenged to discover work they can do with whole-hearted devotion. Half-hearted jobs are worse than second-rate; they diminish our lives.

Online resources, like Fiverr, allow any person to create, from scratch, their preferred-or even their ideal-services and test them out with no risk. The crafting of work has never been this adaptable to the desires of the individual worker. In online micro-service marketplaces like Fiverr, each individual completely designs their own work: their services, their policies, and their style. Freelancers are free to create their heart’s desire, so long as it builds a following.

Traditionally, the work shapes the worker.

The employee-sculpting process used to begin with selecting pliable prospects. It continued by instruction and “job training.” And finally, the work itself reshaped the worker with help from discipline when rules were enforced. If a job required you to be present at the same time your child’s proper care and nurture also “required” your presence, either the job came first or the employer got more careful when selecting and training your replacement.

In the allegedly “good old days,” your preferences were your problem. If the boss even listened to what you might prefer, or how you thought things should be done, it counted as a “favor,” even if unaccompanied by action. After all, you had been listened to, hadn’t you? If you didn’t want the job, you could just leave. The fact that worker concerns were generally ignored was, generally, ignored.

Must the work reconfigure the worker?

Throughout history, the laborer’s bent back has illustrated how the work has shaped the worker. Often, the work has misshaped the worker. The “freedom” in “freelance” means you do not have to reshape, repress, or camouflage your authentic self to fit the expectations of strangers. With growing automation and robots doing the boring work, the individual’s deepest interests and intrinsic motivations will only grow in their importance.

As an independent operator, the freelancer is free to shape the work that shapes their life. This process requires self-discovery which is followed by study and work that appropriately engage, enchant, and empower that specific individual. The social systems we create, later recreate us in their image as we live within them. New models for work that is nourishing, in and of itself, will lead to more fulfilling lives for many.

One of the wisest teachers I ever met, Joseph Campbell, urged everyone to discover their natural enthusiasm and “follow their bliss.” Finding what you love to do is the key, according to Campbell. He underscored the need for meaningful work with a warning: “I think the person who takes a job in order to live-that is to say, for the money-has turned himself into a slave.” Working a job you dislike may keep you fed, but that’s closer to surviving than to thriving. Ill-suited work will not satisfy your hopes and dreams. It will not challenge you, discover your talents, or realize your potential.

Modern Freelancing is the workshop of employment innovation.

Entrepreneurs and freelancers are re-imagining the shapes that work can take. Observe the growth of diversified and personalized services (at sites like Fiverr) that address the needs of both parties to the transaction. Freed from the power hierarchy of the boss-over-worker model, the freelancer can relate on an equal footing. They are no longer enslaved by survival employment.

There is an accumulating tide of individualized experiments in new and better ways to work. This experimentation contributes to newly emerging attitudes toward work and a diversity of personalized service models. We improve everyone’s lives when we design work that inspires workers and provides work they can do with care, because it’s work they care about.

Anyone can join this movement toward new ways to work. Concepts like purpose and hope and joy and even love-long kept alive in freelance work-can eventually spread to more of how the world does its work. By upgrading the quality of work itself, a society improves every citizen’s quality of life.

Consciously chosen freelance work can accelerate personal growth and increase life satisfaction. Surprisingly, people often derive more satisfaction from doing meaningful work than from seeking “escape” or pleasure. When you’re doing the right kind of work, I agree with playwright Noel Coward: “Work is much more fun than fun.”