Our Claims adjuster training is so special, it bestows super human powers on all those who enter.
OK, perhaps that's a slight exaggeration, but have you ever time traveled or been in two places at once? For the Claims personnel learning how to adjust Foremost® insured mobile homes, the two are regular occurrences.
Three decades in five minutes — that's what you'll experience when you walk through the mobile home that serves as a learning model for Claims adjusters. Doc Brown only wishes his flux capacitor had such time traveling capabilities.
This mobile home has three distinct sections, each styled after units built in the 1970s, 1980s and 1990s.
Why the time warp? Well, if you've read the 2012 Foremost Mobile Home Marketing Facts, you know that the average model year of a mobile home is approximately 1988, as median distribution fell in the1986-1990 range.
If you add together the percentages in the chart above, mobile homes with model years between 1971 and 2000 account for 74% of current units. Just like site built homes, construction styles and standards for mobile homes have changed over the years. The unique single wide unit helps adjusters become equally familiar with units built in 1972 and 1998, estimate damage correctly based on the home's era and communicate their thoughts on repairs to customers.
Damage panels and name plates provide additional training for the adjuster.
You'll also notice that this unit has additional features not seen in a standard mobile home, like damage panels and name plates. Damage panels simulate loss scenarios, which adjuster trainees will evaluate as a part of their training.
Name plates identify different parts of mobile home. During their final skill validations, new adjusters will have to identify more than 150 name plates on all the units in the Claiming Learning Lab.
It may be cliché, but being two places at once is an aspiration for many, especially given the number of photographs of people straddling state lines. For Claims adjuster trainees, by just walking in this one unit, they're standing in two homes at once.
Built as a mirror image, this unit showcases the construction differences between a modern mobile home and modern modular home.
What's a modular home? Modular homes are built entirely in factories and are transported in pieces to the construction sites. These homes, while technically manufactured, differ greatly from a mobile or manufactured home. Check out the basic differences, according to the International Association of Certified Home Inspectors.
|Modular Home||Mobile/Manufactured Home|
|Must meet the same local, state, and regional building codes as site built homes||Must only meet Housing and Urban Development (HUD) codes|
|Must be structurally approved by an inspector||Only needs to be inspected, not structurally approved|
|Can be multiple levels||Never more than one story|
|Transported in pieces to a construction site and reassembled||Transferred to a site using its own wheels|
|Built on a permanent foundation||Does not have a permanent foundation|
According to a recent report by Global Industry Analyst, Inc, modular homes are a growing segment of prefabricated housing. For adjusters, it's another style of home construction they need to understand.
Foremost is the leader for Mobile Home insurance in the country and Claims adjusters play a significant role in our market expertise. We have more than 60 years of experience insuring mobile homes and resolving claims.Tweet
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