We all know that the general population interacts with two people when dealing with insurance: the agent and the adjuster. But it's the adjuster who must handle the pressures and challenges when it comes to customer service. So Claims' Eric Gilkey sat down with Mitch Exposito, a general claim adjuster with Farmers Insurance who recently won recognition in the form of his company's Superior Service Award. He gave us his opinions on what makes for good service in the claim adjustment process and what he enjoys about his job.

Can you give us some background on the claim that led to your company recognizing you with their service award?

The subject house is in the upscale city of Laguna Beach in Southern California, about a block from the beach. Our insureds were on an extended vacation sailing their boat off the coast of Mexico for a trip they had planned for some time. The insured's sister was staying at the house while they were gone, and a fire loss occurred.

I received the claim and called right away and spoke to the sister who said the insured was on her way back after receiving the news that the house had nearly burned down. I got there the next day and met with the cause-and-origin expert who determined that the fire was caused by an overheated bent electrical cord on an old surge protector. Shortly thereafter our insured arrived. She was in a state of disbelief and sorrow with all that she had lost. I did my best to console her and promised her that everything would be okay and that we would work together to get her house back to the way it was.

In the letter she wrote to Farmers, the insured said that you provided a “rapid and respectful response to questions, calls, and paper processing.” What else makes for good customer service?

I believe the biggest facet and the greatest benefit of good customer service will come if you put yourself in the shoes of the customer, which can be difficult at times. But I truly felt for their misfortunes and approached it that way. I tell all of my insureds, “I am going to treat you and your loss the same way that I would want to be treated if this was my situation.” While this is an old adage, it seems what our parents taught us is still the best working model for life.

What advice concerning customer service would you give to an adjuster just beginning his career? The seasoned professional?

For the adjuster just beginning, I would advise to first, really listen to your customer, not in a superficial way. They need to show concern. There is hardly a person out there that you cannot find something in common with to at least converse about something. The manner in which you behave, your attitude, and your ability to communicate is the secret to success in this field or any other field you enter.

For the seasoned professional, they most likely have perfected their abilities to relate to people and each could likely provide added value to this article with their techniques. I would just advise them not to get jaded or apathetic after seeing all they have likely seen. I still believe that the majority of people are good and just want to be treated fairly.

What's the best thing about your job?

The company I work for, Farmers Insurance, is very supportive. They encourage advancement in the organization and make it possible to achieve that advancement through education, training, and experience. The independence Farmers gives its experienced claim personnel to make their own decisions, negotiate with various entities, and work on their own from a home office is invaluable.

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