Remember when the tools of the trade for adjusting insuranceclaims involved an instant camera, a voice recorder, a calculatorand estimating sheets? In the days before personal computers ande-mail, when there were no mobile phones, if you wanted to make acall you dropped a dime into a pay phone, then hoped someone on theother end would pick up.

"Adjuster notes" were hand-written. Changing reserves meantfilling out a form in triplicate and waiting days for processing.There were no smartphones, Internet connections or wearables. Themost futuristic things in our collective consciousness were atime-traveling DeLorean and reruns of The Jetsons.

Years passed and technology began to evolve. In the early 1990s,the first PCs made their way onto adjusters' desks. The Internetwas born, dot coms were booming and e-mail was everywhere. As the'90s faded into the millennium, laptops were the new norm and flipphones evolved into smartphones, which became smaller while theworkloads became larger. Small, localized claims offices becamemega claim centers.

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