/ Categories: CADO Blog

Profession or Commodity

Note: I moved this post and the comments from the feedback forum. It was posted to go with the current Poll at that time. I have since removed that forum.

I recently attended a meeting in which a guest speaker spoke about Cat Adjusters as a commodity instead of a profession.  Have we become a commodity? Here are the definitions from,

A profession is an occupation that requires extensive training and the study and mastery of specialized knowledge, and usually has a professional association, ethical code and process of certification or licensing.

In the world of
business, a commodity is an undifferentiated product whose value arises from the owner's right to sell rather than the right to use.

What do you think is Cat Adjusting a Commodity or a profession?

Do we as a group meet the definition of a Profesion? I believe I would rather be part of a profession and not a commodity.  Let's break this down a little.


1) Extensive Training
2) Study and mastery of specialized knowledge
3) professional association
4) ethical code
5) process of certification and training

I would like to start with number 4, ethical code. Do we have an ethical code? If not can we create one via the CADO community?

more to come ..

Previous Article Using the Summary Matrix to change Base Service Charges
Next Article Florida Focus---Changes in the Wind?

1 comments on article "Profession or Commodity"

Avatar image


Comment posted Katadj on 8/13/2006 @ 6:51 PM


The CADO website has become the premier location for the entire world to visit. This is because you have brought CADO to the forefront of the insurance adjusting world.

It is indeed unfortunate that, while we , as our own group, do vent occassionally, as any one in a high stress position might, (an EMT, trama room employee, police officer, etc.) the public at large may not perceive our bantering, retoric or chastizement as venting. Rather, they may look at us in a very unfavorable manner.

It is extremely important that any adjuster who would be involved in a claim which required an inspection be aware of the fact that they represent the carrier, (Insurance Company)

One would not drive up to a loss in a vechile that belongs on a war ridden street in Beruit, nor would they dress as if the had slept in their clothing, nor would they have an odor, or speak as would a first grade drop-out, mumbleing and not looking the insured in the eye as they announced that they were their adjuster. What kind of representation, as a professional, does that conotate?

A few years ago, at the Oklahoma City Tornados, a group of "adjusters" gathered in the basement of a church, in the evening, to receive their IA firms directives. Im looking arould, there were less than 5 that I personally would allow in my home, based on their appearance, language and demeanor.

With all of the changes being made in our industry, including the outsourcing of claims, the call center settlement operations and other such concepts that lower the costs of the carrier, as opposed to the field adjuster, it is imperative that we make the approprite adjustments to our profession, or we shall witness the total and permanent demise of the work we do.

It is up to us , to make these changs, to acquire and implement the credentials of a professional adjuster.

It is imperative that these actions be taken immediately, for the longer the public perceives us as a money hungry group of neer-do-wells, who dont know what an adjuster is, except to spell the work, (sometimes correctly), the shorter our professional lives have to live.

CADO, has the opportunity to be the answer to the problem.

It is possible to set up training programs, dress code requirements, speach, telephone manners and policy knowledge, and many of the other items which are required to affirm that we are , in fact, professionals.

There will always be the need for GA"s and EGA's in the commercial field, but 90% of all of the field work on residential and smaller commercial work falls to the presently perceived "adjuster."

A group of trainned professionals, who meet all of the requirements, and have attained the goals set by CADO, could make many of the changes presently necesary as well as change the course of our profession.

To do NOTHING, is the worst possible solution to any problem.

Please login or register to post comments.

Theme picker

Forum Topics

Why are Flod Claims so different

Let me start by saying that I know you have a hard job and I understand that. I am trying to understand why flood claims that have the same damage are treated so different. A row of five town houses

Posted: 01/05/2013 4:41 PM Replies: 12

For New adjusters only-sample reading files

Some time I forget how I was trained. I was trained one on one for several months by a senior adjuster who I was assigned to by our employer to give me a segment of my training. But I read about 200-3

Posted: 08/27/2009 5:08 PM Replies: 10

Commercial Property ITV's?

Does anybody have a recommendation as to the best program or reference for performing a commeriial ITV?    Thanks in Advance, 

Posted: 06/11/2009 6:10 PM Replies: 4

False & Deceptive Advertising

Here's a little something we can all enjoy sinking our teeth into. Have you noticed the new ad posted here on CADO by Insurance Recruiting Specialists, a division of Big Dawg Enterprises? It's a repea

Posted: 11/17/2009 9:33 AM Replies: 14

Suit Against Allstate & Statefarm & M & S/B and Xactware Inc

I just received this interesting legal update. Ed "Attorney General files lawsuit against six large insurance companies alleging price-fixing" Attorney General Charles Foti filed a lawsuit in Or

Posted: 01/07/2008 9:35 AM Replies: 32

Work Product Ownership

After all these years, I have an unaswered question: Of course when working as an employee, ownership of your work product passes to the adjusting company and client immediately. I have always

Posted: 03/21/2007 12:17 PM Replies: 3


i installed this freeware program and found it to be amazing. You can put all your icons in rocketdoc and it will show iteself in any program you are in for immediate access to other programs while yo

Posted: 08/29/2008 11:40 AM Replies: 1

Three Trade Rule for O&P

Rules of thumb with no validity should not be a part of our industry, The rule of three trades being necesary for a repair to cause the inclusion of Overhead and Profit on payment of a loss. 

Posted: 11/20/2009 7:11 AM Replies: 35

Bad Faith Statutes

I wanted to start a thread for those working in LA and TX pertaining to knowledge of the bad faith statutes in both states and adherence to the time guides allowed by both.  I don't have all the

Posted: 09/14/2008 6:00 AM Replies: 6

Memorial Day

 We created a special page this weekend for Memorial Day, it is currently the main landing page of CADO so to get to it just click the page provides an

Posted: 05/25/2009 5:11 AM Replies: 4