I will try to answer this question by talking only about catastrophe adjusting claims First major change in the last fify years is the vendor system. A person who works catastrophe claims should never work for a vendor that does not pay 2 times a month on good closed files turning in by cut off date. Read the contract "before you go". I would also not go unless the vendor provided GL & E & O. (allow the vendor to subtract cost from your %) About 1%.
Best changes I have seen in fifty years.
1.Diagrams of roofs and rooms with measurenets to stop this argument. The standard birdseye measurement with waste factor allowed.
2.Software programs with unit prices as accurate as possible for the Zip Code.
3.The vendor system insulates the carrier from labor problems and overhead
4.Allows millions of claims to settled in the fastest possible time frame, good image for insurance carriers.
5 Allows people with very short training time to do a passing job as "temporary adjusters"
6. Allows "stick to the wall losses to closed with a payment of the adjusters estimate.
7.Allows clean up crews to rework and settle number 6 above.
Areas of improvement that can be made by carriers.
1. Sorm losses are paid and closed without an agreement on the scope or amount of cost for repairs with the insured or contractor.
2.Inexperienced people who are over their head.
3. Tag team adjusters.
4 Intentional over scope(payment) of some losses for several reasons.
5.Not enough attention to getting the actual damage cost as accurate as possible to reduce hazard insurance cost.
6. Seek out the % of "crooks" in the vendor and street adjuster community and eliminate.
7. Have overhead and profit in the unit price and do not allow any other other allowance to GC's UNLESS the entire estimate is on cost plus O & H.This will stop all the . when to's and class action lawsuits. Auto's have been repaired on flat rate prices for the last 50 years.