This fall, Americans face a double whammy: hurricane season and elections! Both involve a whole lot of wind. And both are likely to cost us a lot of money, regardless of where the hurricanes hit or which party gets the majority in Congress. Both are bound to cost more in taxes. If only we could be guaranteed some greater “value” for our money.

Travelers to Europe will be familiar with the “VAT,” the value-added tax, which Americans can get refunded after departure with a bit of effort. The concept of “value added,” however, is one that has great significance for adjusters, both company and independents. Adjusters deal with information. It covers a variety of topics, from law, coverage, and contracts to damage evaluation. Much of what we do is simply processing all of that information to settle a claim, a financial transaction under some sort of contract or legal obligation. But what if we could make the information more valuable? That would be like getting our elected politicians to actually legislate something of value instead of just spending our money in Washington on unnecessary pork.

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