Independent Adjusters Face Industry Shifts Amid Quality Concerns and Carrier Changes

In a revealing Reddit thread within the adjusters community, independent adjusters (IAs) and staff adjusters alike open up about the current state and future of the adjusting industry. One veteran IA laments the declining use of IAs by major carriers, attributing part of the issue to a surge of inexperienced adjusters enticed by the prospect of quick money. This sentiment resonates with others who recount instances of subpar workmanship that has not only affected the quality of service but also the industry’s reputation.

The discussion broadens as adjusters share their experiences and compensation, highlighting the differences between independent and staff adjuster roles. Some argue that despite the allure of higher earnings in independent adjusting, staff positions offer stable income, comprehensive benefits, and a more balanced workload. These testimonials shed light on a critical junction where the industry appears to be grappling with a transition toward staff positions and away from reliance on IAs, further accelerated by carriers hiring en masse in anticipation of a future dominated by in-house claims handling and technological advancements.

The thread also touches on the controversial practice of litigation funding and its impact on claims costs and insurance premiums. Adjusters express frustration over legal tactics and social media gurus promising easy money in adjusting, contributing to an influx of underqualified individuals in the field. Amidst these challenges, some adjusters remain hopeful, suggesting that the pendulum may swing back in favor of IAs as carriers recognize the value of experienced and capable adjusters.

In this candid conversation, adjusters voice concerns over the sustainability of their roles, the impact of technology on their work, and the ongoing shift in carrier strategies. The thread captures a snapshot of an industry at a crossroads, facing technological disruption, regulatory changes, and a reevaluation of the traditional adjuster model.