The storm starts brewing in the far off reaches of Africa…soon to spill over onto the shores of America. The phone rings in the middle of the night. Who do you want to be there to answer that call? Someone with experience? Or someone that is just a wanna-be?

Does the above sound a lot like a certain recent presidential campaign commercial? The actuality is that the above scenario will be played out hundreds of times in the coming months when stand-by-for-deployment calls start being made by catastrophe-adjusting companies across the country. The question that needs to be addressed by independent vendors and the insurance industry as whole is this: Just who will still be around to pick up the phone and respond to the calls for help?

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