Although the business world and society at-large have always been concerned about financial ethics, the issue has come to the forefront of discussion in the post-Enron world. The insurance industry has certainly not escaped scrutiny, and a watchful eye has been on claim practices in both everyday settlements and in disaster response.

This recent heightened sensitivity to financial misdealings rightly should be seen as an opportunity for all adjusters to reconsider what their ethical obligations are and to whom they are owed. Although bad faith and dishonest practices certainly exist in the claim profession (as in every sector of the business world), many times adjusters with good intentions can go astray by losing their sense of balance and overemphasizing one duty or obligation at the expense of another.

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