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Adjuster / Claim Information

Edjuster services requested, policyholder information.

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Contractor Information (if applicable)

Notes / safety issues, file attachments.

Please attach supporting files or documents, such as the Statement of Loss (list of contents).

add Add file Limit of 10 files. Maximum individual file size permitted is 10 megabytes.

Steps for a claim - detailed

Steps for a claim – detailed, initial phase.

Upon receiving a claim:

You will receive email notification from exclaim.

You will typically receive an email from your supervisor or team lead with some additional details about the claim.

Send a response back to the supervisor or team lead to confirm you've received the assignment.

Claim received in Initial phase

Check the electronic clipboard for special instructions for this insurer.

Check the type of claim (Fire, Water, Other)

Check the notes on the claim tab

Review the location of the claim

Resource: Initial Calls Template  

Within 24 hours, contact the ADJUSTER via phone

Introduction Template:

Hi my name is (your name) from edjuster. I wanted to confirm my assignment for (Insured's name) claim number (policy number). I have noted that (reiterate the notes you have. i.e. the insured had a kitchen fire causing smoke damage) is this correct? 

Ask the adjuster the following questions as time allows:

Has the site been released? Is the area cleared for me to go on-site? 

Is there a restoration company involved? (If yes,) Have they been on-site yet to pack out restorable contents? 

(CAN ONLY) (If no restoration company), Would you like me to separate restorable from non- restorable? (For additional instructions on how to handle Total Contents in Canada, click here )

(U.S. ONLY) (If no restoration company), Would you like me to identify restorable contents and provide a cleaning estimate? 

Is there a public adjuster involved? (If yes,) Would you like us to work with the inventory they may create or would you like us to create a separate inventory?

Are there any safety hazards that I need to be aware of? ( Safety Questionnaire )

What year was the home built?

Are there any limits or special limits to be considered?

Is there an estimated number of contents damaged or an estimated dollar amount of the extent of damage? 

If there are a small number of contents damaged, would you like us to secure photos, information and complete it virtually?

Do you have any photos of the loss you'd be able to send me?

How big is the house? 

How many people live there?

How long have they lived there? 

Is there anything further you'd like me to do prior to contacting the insured and scheduling the inventory?

Within 24 hours, contact the INSURED via phone 

(If a Public Adjuster is involved, skip this step and follow Public Adjuster instructions below.) 

Introduction Template 

“Hi, my name is ________, and I’m with a company called edjuster. Your adjuster (full name) from (insurance company) asked me to call you regarding the contents portion of your claim.  I understand you recently had a (fire, flood) at your house is that right? I've been assigned by your adjuster to assist you with the personal property portion of your claim. If you have some time right now, I have a few questions and I'd be happy to answer any questions you have for me regards the contents.“

May I please confirm your home address? (Information on claim tab)

May I please get your email address? (type the information into the claim tab if not already provided)

(On-site) I will be coming on-site to document the items that may need replaced or cleaned. Are there any safety hazards I need to be aware of? (Safety Questionnaire)

(On-site) May we set up a date and time that works for both of us to meet at your house? (Set up date/time)

(On-site) I will need to meet with you for about 1 hour prior to the start of the inventory. Will this work with your schedule?

(Virtual) It sounds like there are only a few items that have been effected is that correct? May we set up a date and time to meet via phone or video conference so that I can get some specific information about those effected items?

Do you have any photos of the loss you could send to me?

Within 24 hours, contact the RESTORATION COMPANY (if applicable)

Hi, my name is (your name) with edjuster. I'm working on the (Insured's name) claim number (policyholder number). I'm working with (Adjuster name) at (Insurance company name). I understand you are completing a pack out of the restorable contents is that correct? 

(If not on-site yet) Can you tell me when you project to be onsite? Do you know how long it will take you to complete the pack out?

(If already been on site) Are the remaining items left at the home non-restorable?

Are there any safety hazards I need to be aware of? (Safety Questionnaire)

Do you have any site photos you could send to me?

May I please get your contact information, including email address? (Type information into the work log notes, pin to the top)

Will you please email me any items you may have packed out that turn our to be non-restorable? 

Is there any special instructions to access the home? (lock box, code etc.)

Do you have any questions for me? Thanks for your time.

Within 24 hours, contact the PUBLIC ADJUSTER (if applicable)

Hi, my name is (your name) with edjuster.  I'm working with (Adjuster name) at (Insurance company name) on the (Insured's name) claim number (Policyholder number). I understand you are representing the insured is that correct? We have been assigned to provide the adjuster with a non-restorable and restorable estimate to the adjuster. Do you have a few minutes to answer a couple of questions please? 

Have you created a list of the insureds personal property already? 

(If not), Will you be completing an inventory on your own? 

(If yes), Will you please send me a  copy of the list and photos that you currently have?

(If the inventory is going to require an on-site) May I please set up a date and time for us to meet for the inventory? 

Do you have any questions for me at this time? Thank you I'll see you at our appointment.

Introduction Emails to Adjuster, Insured, Restoration Company and Public Adjuster

After an attempt to contact all parties involved is complete, send introduction emails

Follow the templates in the S hare feature of exclaim. Include pertinent details from the calls.

If one of the parties involved does not answer follow these steps:

No Answer from Adjuster: 

Proceed with the rest of the phone calls. 

In your introduction email to the adjuster, reiterate your understanding of the assignment and outline how you will be moving forward with the claim. 

No Answer from Insured:

Day received: Call insured and leave a voicemail message; if there is no answer-send follow-up email.

Day 2: If there is no response from the insured follow the same process and copy the adjuster on your email to the insured.

Place the claim in the Waiting on Insured Phase

Day 3: If no reply, follow up as noted above. Email the adjuster to see if there is additional contact information.  If so, make contact with new info.

Day 4: Still, no contact? Complete the file with a detailed email to the adjuster.

No Answer from Restoration Company:

Continue contacting the restoration company until it is understood where they are at in the process of the claim.

If you cannot get a hold of the restoration company involved on the claim, reach out to your Supervisor for instructions on how to proceed prior to scheduling the on-site. 

No Answer from Public Adjuster:

Continue making attempts to contact the insured for the next 48 hours.

If after 48 hours, no contact is made with the insured and PA, notify the adjuster. 

Once the phone calls / emails are completed according to the guidelines above:

Change the phase to Data Collection

Be sure to create work log notes for all of the steps done in the Initial phase for the claim.

( To review how to create great work log notes, click here ). 

Log time for the tasks if not completed yet.

Preparing for your on-site:

Create events on Google Calendar for the on-site visit , using the format and guidance at this link .

The event should include the following information: 

(YOUR NAME - 6 DIGIT CLAIM NUMBER - NAME OF INSURED - ADDRESS -  ON-SITE OR RECONSTRUCTION)

To see an example of starting a basic on-site calendar event, click here . 

Make travel arrangements. Be sure to follow the guidelines provided in the Claim Related Expense Policy .  

Add travel arrangements on on-site calendar per guidelines . 

Pack your equipment you will be taking on-site. For a list of equipment to bring on-site, click here . 

When the time arrives, travel to the claim. Turn on your StaySafe app for the duration of your onsite visit, and follow the Working Alone policy .

Data Collection Phase

Attend site to complete data collection:

Review the instructions for inventory best practices here .

Arrive on site.  Scope, photograph, organize/consolidate the site, and data collect.

NOTE: In California , make a note of the item’s condition

Very good, good, average, fair, poor

Like new, slight use, average use, considerable use, and heavy use, etc.

Save any photos/negatives, jewelry, keys, passports, money, flash cards, memory cards, etc. for the insured (by setting in a box/laundry basket by the front door).

NOTE: Never remove anything from the site.  If requested to remove contents by adjuster/insured/contractor for delivery (ie. dropping off clothes at the dry cleaners, etc.), please take a photo of the items being removed from the site and have the next party (ie. the dry cleaner) sign for receipt of those items.  Please ensure the photo(s) of the item(s) and copy of the signed receipt from the party who now has possession of the items is emailed to the adjuster.   It is also recommended that the insured and the third party who acknowledged receipt of those items is copied on the email to the adjuster for full transparency. 

Be sure to lock up when leaving the site (even if just for lunch).

If your claim involves a full or partial loss reconstruction , please see this link . 

Within 24 hours of completing data collection (i.e. after attending site, warehouse, or completing a total loss reconstruction):

Email the adjuster ( data collection complete report ) – cc insured & contractor if there are items to be saved at the site 

Use the Share feature (Data Collection Complete Template)

Possible topics for this report include:

Who was present (e.g, insured, PA, contractors/restoration crew)

Any notable concerns and conversations with the insured

Discussions and possible areas of disagreement with the public adjuster (if applicable)

Types of damages observed

Areas where damage was not observed

Items moved outside or offsite?

Presence of salvageable items; data-collected salvageable items

Unique items for pricing

Areas we inventoried vs. areas we will need a TLR process

Safety concerns that limited our access

Delays due to external entities

Possible delays in our onsite workflow (e.g., unbagging, unboxing, excessive contents)

Set a reminder to contact the adjuster every two weeks until the claims is closed.

See instructions below on how to complete a Bi-weekly email update to the adjuster every two weeks.

If required, contact the insured for additional information to complete the Customer Buying Profile .

Upload inventory

If you have used exclaim Mobile, press the upload button

If you have an SOL, scan and upload to Documents

Upload the completed Customer Buying Profile (required for every claim)

Upload the On-Site Safety Questionnaire (required by all reps for every onsite inventory)

Add any information gleaned from onsite.

Email the Request for Processing using the template in the Share feature .

DO NOT SCRUB YOUR OWN CLAIM.  ALL CLAIMS MUST BE SENT TO FIELD SUPPORT IF THE CLAIM HAS 51 ITEMS OR MORE, UNLESS APPROVED BY YOUR SUPERVISOR OR TEAM LEAD.  

If the claim has 50 items or less, please follow the instructions noted below. 

If a claim or list has 50 items or less, please complete any class/type, spelling and field distribution errors yourself ( here is a more detailed guide ). Then proceed to price the list yourself. Pay attention to items that may be Tax Exempt (guide is found here ). Place the claim in the "Research and Pricing Phase" and follow the instructions below starting at "Research and Pricing Phase." 

At times, a list will be sent to the Field Representative with additional contents. Please follow the List Handling procedure. 

Note: If the inventory is not yet complete, but there is a delay of one or more days until you will have the chance to complete the inventory (on-site, TLR, or other), submit the inventory that you have collected to date to Field Support.  DO NOT WAIT until the inventory is complete to send a claim for processing.  Simply submit the claim for processing after each portion of the inventory is complete.

Anything 51 items or more must sent to the Field Support department.

Change phase to Data Entry.

Data Entry Phase

The claim is now with Field Support. The Field Support team will make class/type, spelling and field distribution corrections to the claim. Field Support will Auto-Price the claim ( for the Auto-Pricing and Verification process, click here ). 

A note will be pinned to the work logs stating the following: "Auto Valuation run; not reviewed yet."

Field Support will then review the auto-pricing to verify accuracy and reprice items if needed. Once completed, they will create a new worklog note stating the following: " Auto Valuation reviewed by (Reviewers Name) ." The file will then be put in the Pricing Complete phase. 

Communication will be maintained with the main field representative on file while the claim is with the Field Support department. 

Reminder: When Field Support has the claim, if the main representative on file needs to make changes, please notify the Field Support team.  They are managing the claim until email communication is sent notifying the main representative on file of completion. 

Data Entry Complete

This phase serves as a notification to Field Support staff ONLY. 

In Canada , for claims with 50 items or less, there may be a communication from Field Support asking the main field representative if they are able to move the claim forward. 

Please note, the Field Support Department may place the claim in the "Research and Pricing Phase." The main representative on the file does not need to take any action until the claim has been placed in the "Pricing Complete Phase."

Pricing Complete Phase

Once Field Support is done with making corrections, and they are done pricing as much of the claim as possible, the claim will be put in the Pricing Complete Phase. 

Please note, the Pricing Complete Phase means that Field Support has completed as much pricing on the claim as possible, but there may be remaining items to price for the main field representative. 

The main field representative on file will be notified via email when Field Support is done with the above mentioned tasks.

The Electronics Department will be assigned by the Field Support Department if applicable to the claim.

When the claim is placed in this phase, do the following:

Confirm that bi-weekly communication has been maintained with the adjuster to this point. If another bi-weekly is due, follow the instructions on the "Bi-weekly emails to the adjuster" section of this document.

Change the claim to the Research and Pricing Phase

Bi-weekly emails to the adjuster

S tarting from the day the Data Collection Complete email is sent to the adjuster , s et your own calendar reminder to contact the adjuster every two weeks until the claim is closed.

A bi-weekly email with Summary by Class report can be sent once notification is received from Field Support, and a note has been pinned to the work logs tab stating, "Auto Valuation reviewed by (Reviewers Name)." 

If you do not receive this email or see a pinned note in the work logs tab when you approach your two weeks, move onto the next steps.

When the next communication to the adjuster is due, complete the following: 

If items have been priced , 

Complete a quick review of the file (15 minutes maximum). This is not the time to review all pricing to ensure that it is accurate.  This is to review for errors that will throw the replacement cost out by thousands of dollars.

Review the top 100 items (or down to $250, whichever comes first), based on descending order for the Replacement Cost column. 

Review for decimal point errors or quantity errors, and fix any found.  

O pen the Share feature and choose the Bi-weekly template from the templates drop down box.

Customize the email body with pertinent information. 

Attach the Content: Summary by Class report (pdf version) to the email by adding the attachment, and click Share. 

If no pricing has been completed , 

Open the Share feature and use the "General Sharing" template. 

Share a basic email update to the adjuster and mention that a preliminary report will be forthcoming . 

Do not include the Content: Summary by Class report (pdf version) or any other reports until items have been priced. 

When you use the Share feature to send the update report, a copy of the email will be automatically save in exclaim in the documents section of the Claim Tab. Do not rename or reorganize the resulting email folder.

Continue this process every two weeks until the claim is closed.

Research and Pricing Phase

After changing the phase to Research and Pricing, do the following: 

Send the claim to the Jewelry Department if applicable.

Click here for the Jewelry Assessment Process .

Complete the remaining pricing on the claim.  

A guide to Au to (Suggested) Pricing is here . 

The b asics of pricing in g eneral can be found here . 

Change the claim to the Claim Review Phase .

If we have completed pricing, and are waiting on a third party:

Change phase to Waiting on...

Consider: If we have been waiting on a third party for more than 10 days, the claim likely needs to be put in abeyance at this point, and invoiced. Send the abeyance reports and change the phase to Completed . 

Claim Review Phase

Once pricing is complete:

Claim to be reviewed by Rep

For detailed instructions, see Rep Review

Any mandatory Claim Level Tagging and Content Level Tagging should be done throughout the claims process. The Claim Review Phase is a great time to review if all mandatory tags have been applied. Please follow Tagging Protocol . 

In the Forms tab, complete the Quality Assurance Review form prior to sending your claim the QA Dept for their review.  

Claim to be reviewed by the Quality Assurance (QA) Dept 

Absolutely ALL claims MUST have a QA Review prior to the Work Schedule or Closing Reports being sent out .

QA Dept reviewers consist of Managers, Supervisors and Team Leads from both Canada and the U.S.

Fill out the QA Submission Form to have your claim reviewed.

Include: Claim name, claim number, number of lines, RC value, any special instructions for reviewer.  If any lines remain unpriced, a quick explanation of why.

Complete any suggested and applicable changes, per the QA review.

Policyholder Review Phase (if applicable)

Change phase to Policy Holder Review (Be sure to review the clipboard and notes to confirm a PHR is not prohibited).

Claim to be reviewed by Insured ( share I nsured C over L etter  & Work Schedule report using the Share feature in exclaim)

Cc adjuster 

NOTE: If there are no notes specifically prohibiting or restricting the timeline of the PHR, then the following will apply. 

If RC value <$20,000, no insured review

If RC value $20,000-100,000, 7 (calendar) days for insured to review

If RC value >$100,000, 10 (calendar) days for insured to review

Upload email to Documents in exclaim

NOTE : In Texas, the adjuster is obligated by state law to have the contents portion of the claim settled within 15 business days after completing the inventory.  To that end, edjuster tries to have a reviewed list to the insured within 12 days of completing the inventory.  For that to happen, insureds’ review periods are limited to 48 hours (2 business days).

Consider:   If insured requests more than 2 additional weeks for review , proceed with closing the file. Let the adjuster know the insured needs additional time for review, and we can address the claim again when they are ready. 

Completed Phase

After insured approves Work Schedule, provides requested changes OR no word back from insured after review period:

Make justifiable changes, if required.

Email updated Work Schedule to insured (so they have a copy of the most up-to-date information.  NO ADDITIONAL REVIEW at this time.)

Email adjuster closing info, including:

Field Claims: 

Adjuster closing cover letter

Content: Summary by Age - PDF

Content: Summary by Class - PDF

Content: Summary by Room - PDF

Content: Detail by Room - (PDF and XLS)

In-House Claims:

Content: Detail by Reference Number (PDF and XLS)

Content: Summary by Class

Content: Summary by Age

Content: Detail by Room (for large lists)

Upload email, letter & reports to Documents in exclaim

Be sure all documents have been uploaded, and all time entered into the Time Log.

Change phase to Completed .

Did the claim fall within estimated close date, estimated total hours & estimated total RC value (as noted in the Bi-weekly reports)?

Did the time log hours fall within exclaim standards?

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As always we will conduct our own inspection, take our own photographs and prepare our own estimate. However , depending on how the claim develops, we may need to contact you relative to the insured's or claimant's photos and/or estimates. If you wish to provide these attachments to us now , please attach any damage photos, repair invoices and repair estimates you may have on file using the upload option below.

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Getting started with StrikeCheck’s onsite assessment and desktop review process couldn’t be easier! With four simple ways to submit your claim information, you can be on your way to a more confident and accurate electronics claim settlement in no time.

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Have all the information in your email? Forward us the claim and any relevant attachments to [email protected] . If you have questions or prefer to speak to one of our knowledgeable representatives directly, call 888-980-8544 to submit your claim.

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If you’d prefer not to create an account on our adjuster portal, you can still take advantage of the convenience of submitting your claim online via our secure web form. Simply fill out all of the required fields. Once the claim is logged in our system, you will receive an official acknowledgement email and we’ll get started right away.

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Independent Adjuster

Claims Adjusting: How to Land Work as an Independent Adjuster

1. Learn How to Specialize in Independent Claims Adjusting

Need some pointers? 

See our previous post in this series: How to Become an Independent Adjuster

2. Prepare to Work Independently

After you have trained and equipped yourself to become an independent adjuster, it’s time to start thinking like a professional contractor. Get yourself mentally ready to:

• Be a self-starter
• Apply yourself with tenacity on a daily basis
• Work an irregular schedule and be able to respond to emergencies
• Spend a lot of time traveling to and from claims sites

3. Establish Your Business

This requires various steps:

• Get in the mindset of being a business owner/operator
• Develop a company name
• Set up a business bank account
• Acquire a post-office box if you plan to receive business mail
• Plan how you will track and invoice your projects
• Equip your computer and mobile devices with useful software
• Get a federal EIN number, if necessary, so you can be a 1099 contractor
• Learn about different types of business entities (sole proprietorship, LLC, etc.), and then select one
• Educate yourself on how to be a good business owner

4. Obtain Insurance

When you operate as an independent adjuster, you must be able to protect yourself from legal and financial liabilities. A major mishap or a business lawsuit could be costly if you do not have adequate coverage. That’s why you need various policies that cover common risks faced by professionals in your line of work. Here are four examples:

• General liability insurance to cover basic risks
• Worker’s compensation insurance that protects you from work-injury costs that your health insurance might deny
• Errors and omission (E&O) insurance, in case you’re sued for negligent conduct or unsatisfactory work, such as an inaccurate appraisal
• Cyber liability insurance to help you recover financially from cyberattacks and data breaches

5. Optimize Your Résumé

Make sure it positions you as a licensed independent adjuster with appropriate training and certifications. And list any work experience, skills and tools that help distinguish you from competing contractors.

6. Promote Your Business

You need to be able to convince potential clients that you know how to close a claim properly. That’s why you should work on creating a professional image and promoting your business actively.

• Launch a professional website that showcases your credentials and experience, and will help you gain credibility as an independent contractor
• Set up a business email account that is associated with your website URL
• Create a custom email signature that includes your website URL
• Order business cards
• Create a LinkedIn profile

7. Build Your Reputation By Using Advanced Technology

Your ability to use high-tech tools will impress the people who can hire you. For example, if you want to land work investigating property damage claims, here are some tools you should consider using:

A Drone for Roof Inspections

You can improve the quality, efficiency and safety of your work by flying a drone equipped with a high-quality camera. This will allow you to examine and record footage of a structure’s roof condition quickly – without the danger of climbing up high and possibly falling. In order to operate your drone, you will need to obtain a Remote Pilot Certificate from the FAA . And you’ll want to get drone insurance as well to protect your investment.

A Bluetooth Laser Distance Meter

This is easier, faster and more accurate to use than a standard measuring tape.

A Floor Plan App for Interior Investigations

Look for one that syncs with your Bluetooth device, allows you to sketch properties quickly, and enables you to create and send detailed reports with sketches and photos that can be sent to Xactimate® directly.

8. Reach Out to Independent Adjusting (IA) Firms

Insurance companies commonly rely on IA firms to handle natural disaster claims, as well as other claims that are beyond the capacity of their in-house staff adjusters. And since IA firms work with independent adjusters, you need to get on their radar.

First, list all of the firms that interest you. Then introduce yourself, make yourself known and apply to get on their rosters. The goal is to get listed on multiple rosters – because the more you expand your client base, the more likely you are to land work.

9. Build a Network

In order to grow your contractor business, try to increase the number of people in your professional network. Actively look for opportunities to meet potential allies within local and industry organizations. Also, review industry publications and insurance job boards to identify new contacts you can explore.

10. Capitalize on Previous Jobs

Once you get your business underway and land some jobs, remember this: Former clients can be a great source for new work assignments because you have already proven your capabilities to them. Regularly remind yourself to stay in contact with those key individuals.

11. Maintain Your License Through Further Education

Chances are, you will need continuing education (CE) credits to keep your independent adjuster license active. Fortunately, many CE courses are online and self-paced to make learning accessible and achievable.

12. Pursue Additional Training and Specialized Certifications

Increasing your knowledge about additional types of claims is a terrific way to expand your offerings and increase your marketability. So, explore your options and decide what other types of claims you may be interested in handling. Then get whatever training and certifications you need to succeed in those specialties.

The State Farm Adjuster Certification is One Example

This particular certification is one that many independent adjusters want to obtain. State Farm is the largest insurer of vehicles and homes in the United State. Therefore, being able to process State Farm claims may open up many valuable opportunities for you.

If you want to be a successful independent adjuster, you need to know how to land work in order to earn a decent living. By following the tips listed above, you should be well on your way to a lucrative new career!

Continue reading our guide on how you can easily sketch digital floor plans during property investigations.

Or find out how to enhance your floor plans.

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20 Jan edjuster announces partnership with FRSTeam to expand capabilities in Total Contents Program

edjuster, a leading provider of end-to-end services for the property contents insurance marketplace, continues to expand its footprint in North America. The company is pleased to announce a strategic partnership  with FRSTeam , which will enable edjuster to grow its network of restoration contractors in the U.S. market. edjuster has a large demand from the insurance industry to evaluate and determine restorable versus non-restorable contents damage.  When the field contents expert determines that textile or electronics can be cleaned or repaired, FRSTeam will provide this service for the customer. FRSTeam is a leader in contents restoration and we are very pleased to have them as a partner.

edjuster and FRSTeam have been working together over the past few years in certain regions of the U.S. The companies have formalized the partnership and are now able to service the entire U.S. market. This added depth in services is unique in the industry, offering greater value to the field assessment process. The joint services offers a key differentiator of reduced contents manipulation, ensuring fair and timely resolutions for both insurers and policyholders.

Since the launch of t he Total Contents program , edjuster doubled its claim assignments from 2018 to 2019.  As we move into 2020, the demand for this program is even higher. edjuster continues its partnership with National Restorations for wood restoration. With the combined services of all three companies, we will continue to provide superior service.

“edjuster values partnerships with reputable and trusted vendors such as FRSTeam to help us continually enhance our offering to the insurance industry” said Dennis Squibb, edjuster’s Senior Director of Strategy.  “We share similar values in terms of emphasis on high-quality services and delivering the best possible outcome on every single claim assignment. We are pleased with the commitment FRSTeam has shown towards servicing the customers and creating the best practice in restoration of contents”.

“Partnering with edjuster represents a great alignment for us given the key synergies that exist and new opportunities to leverage client relationships. Our companies share high level focus on speed and service. It is very important to deliver trusted services in the industry and our partnership with edjuster contributes towards that goal,” said Jim Nicholas, President of FRSTeam.

ABOUT EDJUSTER edjuster is North America’s leading provider of technology-enabled end to end services to the property contents insurance marketplace. edjuster offers insurers and their policyholders the assurance of performance excellence guaranteed on claims services—leveraging a combination of people and technology. edjuster offers a suite of customizable services, providing end-to-end solutions for all types and sizes of contents claims, from outsourcing support services to software as a service (SaaS) of its exclaim contents valuation platform. Our non-partisan, performance excellence guaranteed approach consistently contributes to enhancing the image and reputation of our insurer clients and ensures that policyholders remain satisfied and loyal.

ABOUT FRSTeam FRSTeam (Fabric Restoration Service Team) was founded n 2006 and was built upon the success and operating model of Custom Commercial Fabric Restoration Services, one of the largest independently owned restoration cleaners in the country. Custom Commercial continues to operate as affiliate offices of FRSTeam in seven western states. The FRSTeam business model delivers a personalized customer service experience to all parties involved in the claims process. Employing a proprietary tracking and reporting system called FRSTaid, FRSTeam offers a unique level of accountability in the fabric restoration industry. In its first 12 months of business, FRSTeam awarded 18 licenses, making it one of the fastest-growing restoration service companies in the nation. FRSTeam now services all 48 states in the continental United States, as well as Ontario, Canada.

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Student Protest Movement Could Cause a Tumultuous End to School Year

Protesters were arrested at the University of Minnesota and Yale, and the House speaker, Mike Johnson, said he would come to Columbia to speak to Jewish students about antisemitism on campuses.

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By Troy Closson

As a wave of pro-Palestinian activism on college campuses showed few signs of abating on Tuesday, the demonstrations have raised new questions about what shape the end of the semester may take for thousands of students across the United States.

At Columbia University, where the arrests of more than 100 protesters unleashed a flurry of national protests, students will have the option to attend their last week of lectures remotely for safety reasons. At the University of Texas at Austin, protesters announced plans to occupy a campus plaza and said that, at least for them, “class is canceled.”

And at the University of Michigan, administrators were already looking ahead and bracing for graduation. They set up designated areas for demonstrations, and agreed to “generally be patient with lawful disruptions.”

“Commencement ceremonies have been the site of free expression and peaceful protest for decades,” the university said in an online message, adding, “And they will likely continue to be.”

The steps are an acknowledgment that the last weeks of the spring could be among the most difficult for administrators at some of the nation’s most prestigious universities. On Tuesday, the campus police at the University of Minnesota took nine people into custody after they erected a protest encampment, following dozens of arrests at Yale and New York University.

Other demonstrations continue to emerge from coast to coast, including at the University of New Mexico and Emerson College. At California State Polytechnic University, Humboldt, students took over a campus building, and barricaded the exits with chairs and trash bins.

The pro-Palestinian student movement has disrupted campus life, especially for Jewish students. Many have said they no longer feel safe in their classrooms or on university quads as the tone of protests at times has become threatening. Speaker Mike Johnson said he would meet with Jewish students at Columbia University on Wednesday and give remarks about the “troubling rise of virulent antisemitism on America’s college campuses,” according to a news release.

At the same time, many school leaders may face the possibility of graduation ceremonies transforming into high-profile stages of protest over the war in Gaza.

No matter how administrators approach these final weeks, the stakes are uniquely high for students who are graduating. Many graduated from high school in the first months of the coronavirus pandemic, and never walked across the stage or celebrated alongside their classmates.

The tumult on campuses escalated after Columbia’s administration called in the police last week to arrest student protesters who had organized a large encampment on a school lawn and refused to leave.

At the New School in Manhattan, where protesters have set up tents inside a school lobby, a couple dozen students formed a picket line on Tuesday as they chanted to the beat of a drum. When one student was asked how long protesters intended to continue the demonstrations, she said there was no immediate end in sight.

“We’re demanding something,” said the student, Skylar Schiltz-Rouse, a freshman who joined the protest on Monday. “So if it doesn’t happen, we’re going to have to keep going.”

It was not yet apparent whether the turmoil at schools would prompt additional arrests, or whether college leaders would adopt a less aggressive playbook as the semester winds down.

Many administrators, watching the uproar at Columbia, seem to be choosing other strategies to handle the protests. Several universities, including Harvard and schools in the California State University system, have shut down parts of their campuses in an effort to avoid major clashes and conclude the school year quietly.

“What you’re seeing is an inability to find spaces for dialogue and conversation and understanding,” said Benjie Kaplan, the executive director of Minnesota Hillel, a Jewish student group.

After school leaders often inflamed unrest with their initial responses, some have begun to hit the brakes.

At Barnard College, Columbia’s affiliate school, many student protesters had received interim suspensions for last week’s tent demonstration. But in a Monday night email, the school’s president, Laura Ann Rosenbury, extended an olive branch.

The school would lift most of the suspensions and restore students’ access to campus, she said, as long as they promised to follow the rules. Those who still face discipline would have access to hot meals, mental health counseling and academic support. And with a professor’s permission, they could also finish out the semester virtually.

“I strongly believe that exposure to uncomfortable ideas is a vital component of education, and I applaud the boldness of all of our students who speak out,” Ms. Rosenbury said in the email, her first message since the arrests of protesters on Columbia’s campus last week, several of whom were Barnard students.

“But,” she said, “no student should fear for their safety while at Barnard.”

She added: “In these last few weeks together before our seniors graduate, let’s be good to one another.”

Some pro-Palestinian students, though, may regard commencement as an opportunity.

Protesters at many schools have vowed to press on until their universities divest from companies with ties to Israel, often chanting “We will not stop. We will not rest.” Administrators are on high alert for demonstrations or threats, as tens of thousands of families travel to campuses in May and June to attend graduations.

Dagmar Michelson, a senior at the New School, was unsure if protests were planned for the university’s May 17 ceremonies. But if they are, she added, she would not be upset.

“It’ll be nice for those who haven’t recognized their privilege,” she said.

Earlier this month, the University of Southern California cited security concerns when it canceled a speech by its valedictorian , a first-generation Muslim student who questioned the university’s explanation. The school later said it would also not host outside honorees.

Already, students have organized demonstrations meant to disrupt cherished college traditions.

At Michigan, several dozen protesters took over a celebration for honors students last month, waving signs that read “Divest Now” and interrupting a speech by the university’s president, Santa J. Ono, according to The Michigan Daily .

“Protest is valued and protected,” Dr. Ono said in a statement after the event. “Disruptions are not.”

Shira Goodman, the senior director of advocacy at the Anti-Defamation League, said the disturbance at Michigan “may unfortunately be a harbinger for what’s to come.”

The group is concerned about the potential of harassment or “identity-based hostility” toward Jewish families at graduation ceremonies. “We remain deeply concerned,” Ms. Goodman said in a statement.

Some colleges are now stepping in to promise Jewish students a safe haven. Brandeis, a historically Jewish university in Massachusetts, said this week that it would extend its deadline for transfer applications in response to campus protests.

The president, Ronald D. Liebowitz, said the school would provide an environment “free of harassment and Jew-hatred.”

Other schools have had little time to look ahead to the future as they reel from the last few days.

At N.Y.U., where at least 120 people were arrested on Monday night after refusing to vacate a plaza, several students said on Tuesday that they would continue to voice support for Palestinians, and were unconcerned that their protest activities might upend final essays and assignments.

The university had said it turned to the police because “disorderly, disruptive and antagonizing behavior” of protesters created safety concerns. But on Tuesday, a professional faculty organization shot back.

The school’s chapter of the American Association of University Professors called “much of their account” false, referring to the administration, and criticized the decision to call the police as an “egregious overstep.”

And at Columbia, the university’s president, Nemat Shafik, is facing the threat of a formal censure resolution from the school’s faculty for her handling of demonstrations. Many Republican lawmakers are also still calling for her resignation, arguing that the school has failed to safeguard its Jewish students.

The decision to offer hybrid classes at Columbia seemed to be a tacit acknowledgment that many students were, at the very least, uncomfortable there. Many are expected to log on from their dorms and apartments. Others might attend from a large protest encampment that remained in the center of campus.

Along with the demonstration, occasional outbursts at rallies have occurred outside the campus’s gates over the past several days. But otherwise, Columbia has been quiet during what is typically a bustling final week of the semester.

Angela V. Olinto, the university provost, said in an email on Monday night that if even one student wanted to finish out the year online, professors should offer hybrid classes — or move to fully remote if that was not an option.

“Safety is our highest priority,” Dr. Olinto said.

Maia Coleman , Eliza Fawcett , Colbi Edmonds , Jose Quezada , Ernesto Londoño , Kaja Andric , Coral Murphy Marcos , Dana Goldstein , Karla Marie Sanford and Stephanie Saul contributed reporting.

Troy Closson reports on K-12 schools in New York City for The Times. More about Troy Closson

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New York Giants Draft Preview: DL Maason Smith

The Giants need some more defensive line depth. How would LSU's Maason Smith fit into a role alongside Dexter Lawrence?

• Author: Nick Falato
• Publish date: Apr 24, 2024

In this story:

Maason smith, dl.

Height: 6’5” Weight: 306 lbs Arm length: 35” Wingspan: 84 ⅝” Hands: 8 ½” Class: Junior School: LSU  STATS

MEASUREMENTS

40-yard-dash: 5.01 10-yard split: 1.75 Vertical jump: 31” Broad jump: 9’0” 3-Cone: 7.22* 20-yard-shuttle: 4.64* Bench press: 21 reps* *Pro Day

A former consensus five-star recruit out of Terrebonne High School in Houma, Louisiana, where he was the number one recruit from his state and the seventh-ranked defensive lineman in the 2021 recruiting cycle. He was the 31st overall player in his respective cycle.

Smith was dominant in high school; in a pandemic-abbreviated senior season, Smith recorded 45 tackles, 24 for a loss, with nine sacks; he was an All-American that year, was voted homecoming king, and played offensive tackle for Terrebonne High School. It’s no surprise he was highly recruited.

Smith was a freshman all-American in 2021. Eight snaps into the 2022 season against Florida State, he tore his ACL after celebrating a tackle for a loss that one of his teammates recorded. He was then suspended for the 2023 opening game against Florida State for “ improper benefit .” He finished his college career with 22 games played and 17 starts.

Strengths 

• Elite size and length, long limbs
• Good athlete for his size with solid quickness
• Functional bend in his lower half
• Rare combination of size and first step quickness
• Gets low when slanting - solid ability to land rip underneath OL
• Solid upfield burst and first step - good lateral agility 
• Barrell chested and long legs
• Good raw power and upper body strength 
• Solid ability to anchor and read vs. 1-on-1 blocks
• Has knockback power that is enhanced by overall play strength 
• Flashed solid swim move to separate
• Has flashed pass-rushing moves (needs to be more consistent)
• Overcame injuries - lost DL coach 
• Very high ceiling player who needs development 
• 4th percentile hand size
• Allows himself to get too high too frequently 
• Struggled to anchor down vs. double teams 
• Lacks pass rush plan - gets stuck to blocks too frequently
• Wish he had a more dominate bull-rush/power rush moves
• Limited production in college
• Needs time - is still raw vs. run and as a pass rusher 
• Injuries: tore his ACL in 2022, shoulder injury in 2021

Maason Smith was highly recruited from high school and flashed bright as a true freshman. Unfortunately, he tore his ACL eight snaps into this sophomore year and has yet to flash as bright since his return. Still, few players have his size and first-step quickness, making him a high-ceiling player. He flashes quality pass-rushing moves on tape, but the flashes are just that - flashes. 

Joe Schoen has previously discussed the importance of knockback at the defensive line position. Despite smaller hands, Smith has knockback that is enhanced by his overall play strength. He needs time, patience, and development.

A defensive line coach like Andre Patterson could allow Smith to touch his high ceiling, making him a desirable, yet unpolished target for the Giants somewhere on Day 2. 

GRADE: 6.25

Nick Falato's Draft Grade Chart

Nick Falato

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