Arizona Catastrophe Deployment Guide for Adjusters

• Confirm your license status, appointments, and any emergency-adjuster bulletins before travel.
• Validate your deployment agreement: territory, per-file or day-rate terms, and payment timeline.
• Pack field kit redundancy (PPE, charging, connectivity, backup measurement tools).
• Set up cloud folders and naming conventions before first inspection.
• Share your expected operating area and daily check-in process with a trusted contact.

Check the current Arizona licensing requirements and emergency bulletins before you deploy. During major events, regulators can issue temporary or emergency guidance that changes who can handle claims and under what supervision.

• Collect first notice details, policy number, loss location, occupancy status, and immediate mitigation actions.
• Capture complete photo sets: elevation context, damaged elevations, roof slopes, interiors, and serial/model details where relevant.
• Preserve timeline records for first contact, inspection, estimate delivery, and supplements.
• Document access constraints, safety hazards, and any denied inspection areas.

Build estimates from documented facts, not assumptions. Separate observed damage from potential hidden damage, note causation evidence, and clearly tag items likely to generate supplements after mitigation or tear-out.

• Complete scene safety scan before entering structures.
• Use PPE for unstable structures, contaminated water, mold risk, and electrical hazards.
• Stop and escalate when hazards exceed your role or training.
• Do not work alone in high-risk zones after dark.

CAT deployments fail operationally when logistics fail first. Confirm lodging fallback options, fuel availability, and data coverage. Keep two backup routes to your inspection area and maintain enough supplies for one unplanned overnight stay.

Clarify billing rules in writing before volume ramps: invoice cadence, supplement treatment, reinspection pay, and documentation required for release. Reconcile file counts weekly to avoid end-of-event disputes.

• Set response-time expectations with policyholders at first contact.
• Use plain language for scope boundaries and next steps.
• Send same-day recap notes to carriers or TPAs for materially complex files.
• Escalate coverage-sensitive issues early with complete documentation.

1. 0-24 hours: credential checks, assignment intake, and route planning.
2. Days 1-3: triage, first inspections, and priority claim contact.
3. Days 4-10: estimate throughput, supplement control, and quality reviews.
4. Days 10+: backlog cleanup, reinspection handling, and invoice reconciliation.

• Arizona licensing guide
• Arizona CE directory
• Arizona department of insurance

Use this page as an operational playbook, not legal advice. Carrier instructions and current regulator directives control when they conflict with general guidance.