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R .D. Hood Founding Member Adjuster New Hope, Pennsylvania
 Posts:210


 | | 03/13/2007 5:38 PM |
| The “Killer” amongst us. There are many ways to approach the demise of the catastrophe adjuster. 1) The fatal auto accident. 2) The falling off the roof. 3) The stroke 4) The heart attack Many of the above are related to the difficult and lengthily work hours we endure to provide our services to those that require them, as well as to provide for our families. Many auto accidents occur because we are tired, not paying attention, involved in a cell phone call, or some other distraction which may or may not be the proximate cause of the accident, but could be contributory thereto. Falling off a roof is usually caused by being distracted and not paying attention to the situation at hand. Many have fallen, a few have survived, and more than a few have not, or have incurred injuries which limit their future. (Several close friends are among the missing). The stroke’s and heart attack’s may be a predisposed condition which exists in some, and then they may be brought on by the lack of having a healthy diet and or proper exercise, or whatever other cause a physician or physiologist may proffer. Most of us have been associated with the term “Post Traumatic Stress Syndrome”, which for the most part has been loosely associated with our undaunted military personnel, who return to the States after enduring some form of extremely difficult conditions. (In this instance you would have had to “been there&rdquo Many of these returning “hero’s, and I use the term as all inclusive, (because in my humble opinion they all are) have ventured into the various wildernesses of our society, never to return. Some have strayed off into the pinelands of New Jersey, or the Rocky Mountains of Colorado or Montana, or the barrens of Wyoming, or the streets of New York, Chicago, Los Angles, Philadelphia or any other place where they can blend into the background of this erstwhile accusatory society. (Especially those from Nam). We now are facing yet another round of returning hero’s from a land of sand and blood and many things which are completely foreign to out perception of good and evil, or society as we understand and accept. It gives pause to each of us, to reflect on the condition and potential reactions of these people. If, in fact, the trauma room Doctor or Nurse, or the Paramedic, or Police Officer or EMT or Fireman can deal with the daily tasks which they face, should we not be able to do the same? Understand this, my friends; we deal with the same identical issues that the above referenced trades deal with. Sometimes it is only one a day, and other times it is 10 per day. Perhaps we do not risk our lives in fighting a fire, using the “jaws of life” to extricate someone from a vehicle, face an individual with a firearm pointed at us, or use all of the medical training we have to save a life, but we do sometimes deal with the stress that is associated with the claimant that has lost everything they ever had. We deal with the stress of having to assure the claimant that we will do all in our power to lessen their personal losses. We can NEVER know how they feel, nor can we even assume that we can know this. We are not the ones that have lost everything, their home, possessions, photographs, mementos, souvenirs, childhood toys and memories. Yet, we do deal with each of these things, in our minds. We do feel their pain, we do think about what has happened to them. We do imagine what we MAY feel like if the same thing occurred in our lives. This is what is called STRESS. The simple word stress is not unkindly, nor is it meant to be, in this proffered venue, a direct cause of the potential killer. The root of this article is for each and every one to become aware of the underlying, untold, and insufferable causes of the duties and actions of this profession. Have you ever come home from a gig and found yourself sleeping 10-12-14 hours a day? Have you ever found yourselves becoming short, argumentative or resentful of your significant other, wife, children, parents or friends? This translates to STRESS. No matter the cause, how long the gig, how difficult the work, we do it because we enjoy it, like to assist where we can, like to return the claimant to their just conditions and simply “do the right thing”. There is a price for what we do, those that hire us, pay for our services, and we do enjoy these benefits. But there is a much higher price we and our families and friends pay. That price is watching us deteriorate before their eyes. Seeing us as we now are, instead of what we were before we were “deployed”. To my old mind there is little difference between WWII, Korea, and Nam, Iraq or any other warfront to which we could have been, or were, deployed to, and what we now do. The object matter is to realize and fully comprehend what we do, why we do it and what the ensuing results may be. We are here to assist people in their time of need, we are here to lessen the trials and tribulations they are facing, and we are here to do all we can to make life more endurable for them. Please remember the objective of this difficult adjusting life. Do all you can to help, be all you can be, and take off the adjuster hat when you get back? It is not easy, by any stretch of the imagination, but it may save you from some very serious personal difficulties with your family, children, friends and acquaintances. In all the years that have been devoted to this profession there has only been one (1) person that I am aware of that had ever addressed this issue, and it was totally ignored. Now having become an erstwhile victim of PTSS, after “Katrina” it is time I “fessed up” Please do not let STRESS become your personal “KILLER” | | "Anyone who has never made a mistake has never tried anything new... Albert Einstein" | |
| Lee Norwood Adjuster D/FW Texas
 Posts:59

 | | 03/13/2007 6:18 PM |
| Since the '05 storm season, I've had ample opportunity to assess the long-term effects that 7 months on the road have had on my psyche. It's not an altogether pretty picture.
The stresses that so many (adjusters, utility crews, law-enforcement, etc.) experience working the after-effects of a storm, manifest themselves in myriad ways; health effects are but one category, strained relationships with friends and family are another.
For me, one of the most difficult things with which to come to grips is my own performance. I have often regaled folks with anecdotes of the peculiar behaviors of the adjusting personnel with whom I've worked, and those policyholders whom I've attempted to serve. I've posted about the incompetent, the bizarre, the humorous, and the criminal. But what really bothers me are my nagging feelings of self-doubt: Did I truly do everything I could have done to excell? Did I give everyone, claimants and superiors alike, a fair shake? Did my prejudices, self-regard, or inexperience render me less effective as a facilitator, advocate, and role model? I'm absolutely sure that I treated my team manager with disdain, not because he wasn't necessarily doing the best he could under the circumstances, but because my ego demanded of him something that he couldn't give, and that I didn't deserve. Joel, if you're reading this, please accept my heartfelt apology. I have no excuse for making your life any more difficult than it already was.
Extraordinary circumstances often bring out the best and the worst in human beings. I don't feel that I did my best, and it gnaws at me. I certainly don't feel like any kind of "hero".
[Edit: Were I to choose a new title for this thread, it would be: "Catharsis (pardon the pun) and Humility"]
| | Lee Norwood, aka "CATdawg" | |
| mark garland
Western Ky.
 Posts:61


 | | 03/13/2007 7:31 PM |
| | I just want to add that I love this thread. I thing this topic is so important to be discussed. This is a thread where for once I am looking forward to keeping my thoughts and comments to myself. There is a time to listen and a time to talk and for me this is a time to listen. Consider me a sponge just waiting to absorb some good ole wisdom. | | Mark S Garland | |
| Tom Toll Life Member Moderator
 Posts:916

 | | 03/14/2007 2:00 AM |
| | The potential causes of stress are numerous. Your stress may be linked to outside factors such as the state of the world, the environment in which you live or work, or your family. Your stress can also come from your own irresponsible behavior, negative attitudes and feelings, or unrealistic expectations.
Furthermore, the causes of stress are highly individual. What you consider stressful depends on many factors, including your personality, general outlook on life, problem-solving abilities, and social support system. Something that's stressful to you may be neutral or even enjoyable to someone else. For example, your morning commute may make you anxious and tense because you worry that traffic will make you late. Others, however, may find the trip relaxing because they allow more than enough time and enjoy playing music or listening to books while they drive. Stressors can be divided into three broad categories: - Frustrations – Frustrations are obstacles that prevent you from meeting your needs or achieving personal goals. They can be external—such as discrimination, an unsatisfying job, divorce, or the death of a loved one—or internal. Examples of internal frustrations include physical handicaps, the lack of a desired ability or trait, and other real or perceived personal limitations.
- Conflicts – Stressors involving two or more incompatible needs or goals are known as conflicts. For example, a working mother might feel torn over a job offer that would advance her career, but take time away from her family. Sometimes the conflict involves a choice between two desirable options, such as deciding between two acceptance offers from equally appealing colleges. At other times, the decision involves disagreeable alternatives.
- Pressures – Stress can stem from the expectations of others or the demands you place on yourself. You may feel pressure to get good grades in order to please your parents or get into a good school. Or you may feel pressure to excel at work, make a difference in your community, or be the perfect mother.
Whether or not the source of stress causes significant emotional and physical symptoms depends in part on the nature of the stressor itself. Stressors that involve central aspects of your life or that persist for extended periods of time are more likely to result in severe distress and disruption of functioning. Furthermore, the more stressful situations or life changes you're dealing with at one time, the more intense the symptoms of stress.
Stress affects the mind, body, and behavior in many ways. The specific signs and symptoms of stress vary from person to person, but all have the potential to harm your health, emotional well-being, and relationships with others.
I strongly recommend that if you are feeling very stressed during a Cat tour, that you take some time off to do what you enjoy and relaxing. It will make you a better adjuster to be able to think and solve problems that we all face in this business. I also recommend you read Dave's commentary several times. He has put time into that post and it is very true. Stress can kill you, I know, I went through that during Katrina with all the surgical problems I had. Had it not been for my wife, Janice, I am not sure I would have made it.
Ex Post Facto | | Success is not final, failure is not fatal: it is the courage to continue that counts. | |
| joseph lombardo jr. Adjuster Clearwater, Florida
 Posts:112

 | | 03/14/2007 7:27 AM |
| Great thread...thank you all for sharing....
Joe L. | | | |
| Tom Toll Life Member Moderator
 Posts:916

 | | 03/14/2007 4:23 PM |
| I found this in another section of CADO and think it needs to be posted here, where it should have been. Jim the Adjusterman is the author. Unfortunately, he fears not giving out his real name, unlike many of us not ashamed to have our names shown to the public. I guess "Jim" thinks I am one of those ol geezers, which, in fact, I am. I have learned through my 47 years, yes Jim, 47 years, to overlook unqualified and moronic posts, and this, in my opinion is one. Jim is obviously a newby with a passionate dislike of older adjusters. So be it! I do have the common sense to know I cannot climb a roof like I did many years ago, but, I stay busy all year when I want to.
"Cry me a river. Please ...........
This is the biggest bunch of crybaby crap ever and reminence to Daddy crying insanely about how his idiot 60 yr old silver spoon liar has messed up the royal heir to the throne with Jeb.
Try a real job. CA is for the lazy man especially those legends in their own brains who love telling people how long they been adjusting.
This is called Geezeritis and it comes with old age and petrification of younger ones out there doing 3 times as good and fast.
Sometime this disease will cause the brain and head to swell so big they thi nk they are adjuster gods.
There is no cure other than to go get a real job at Wal-Mart as a door greeter. wearing a smiley face.
Beware of any adjuster who claims they have been in the business, said with a Barney Fife braggert look, over 20 yrs and the longer they use such as 30,40 even 50 yrs the worse they are.
Some even use the year they went into adjusting to divert to how great they are.
Try not place more importance on yourself being a CA than the value of the emergency job really is. Try getting up 5 days a week for 52 weeks and working 12 hrs everyday including weekends the way the real workers do it.
Then you can cry a river about what working a real job is like. Otherwise all this other stuff is bogus and a smokescreen and mirrors.
ps please dont erase the truth...thanks."
| | Success is not final, failure is not fatal: it is the courage to continue that counts. | |
| Meg Watts
 Posts:99


 | | 03/14/2007 5:46 PM |
| Oh my gosh, I'm speechless, and for those of you who know me, you know that's quite a statement. To "Jim the Adjuster" and those of like mindset, all I have to say is shame on you. Imagine not being able or willing to feel completely honored to be given the gift of the knowledge of those who have been doing a thing longer than you. Imagine not having respect and manners enough to realize what an honor it is to be in the company of such individuals. A sad reflection of the break down in our society today, lack of respect, lack of integrity, lack of honor. I think I'll just stick with the "geezer" group and enjoy the company of those distinguished individuals who know how to treat others, and we'll regale each other with tales of "how we had to walk a mile in the snow to get to school"! | | Do the right thing, ALWAYS ~Meg~
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| Lee Norwood Adjuster D/FW Texas
 Posts:59

 | | 03/14/2007 6:13 PM |
| It would appear that "Jim's" post was meant to be insulting, but it so poorly written that I can barely make sense of it. No doubt his claim files are of the same execrable quality.
Before I started working claims, I clocked as many as 4000 hours per annum over a 30-year career as a designer/fabricator. I've also spent over 300,000 miles in the saddle of various bicycles, training, racing and touring since the early 70s, so I have other stressful activities in my past with which to compare the rigors of claims handling. For me, catastrophe work is as tough and stressful as anything else I've ever done for sustained periods of time. There are undoubtedly people that work claims in a "quick-and-dirty" fashion and return home a bit wealthier and not much the worse for wear. Come to think of it, there are many...I've rewritten some, and read many more, of their files!
Is it just my imagination, or has CADO been a dingbat magnet recently??? | | Lee Norwood, aka "CATdawg" | |
| Rocke Baker
Michigan
 Posts:50

 | | 03/14/2007 6:32 PM |
| PTSS:
Bear with me using the example below.
Prior to getting into adjusting, I was in the Fire Service. Police Officers would come by the station and let off steam or just chill out sometimes after particular types of calls. May be a nasty family disturbance where they got beat on by the family when they were trying to take an absuer to jail. It may have been when they handled a call where a child was injured in an accident or an abusive parent (that is a powder keg of emotions for an officer). They get tough skins as a result but many have always kept their compassion as well. Firemen and EMS see this too and the aftermath of a fire or injuries. Fortunetly, we could talk about it. They learned to talk about it with each other. They learn how to focus on the job at hand and deal with it at that time in a professional way. Later is when they hopefully let the emotions of the job come out in a healthy way.
Being an adjuster for more than a couple of days and having been a storm or two, I have seen that adjusters have a lot of the same stresses as Public Safety. Be it day claims or cat, we are facing what the insured feels is a disaster and their life is in shambles and it very well could be. We are sometimes asked why did it take so long to get out to them, same as the police officer, fire personell or ems when a person calls 911 for assistance. We have to deal with that professionally and with courtesy as best we can. It gets taxing and wears on you, but you have to shrug it off. During Andrew, the company I was with at the time basically took over 1/2 of a hotel. We would gather in the sports bar, grab some pizzaa, shoot some pool, blow off steam and then head back to the room for paperwork (early form of group therapy). After you went to bed, if you were lucky you would get 4-5 hours of sleep and start to work again (this is 3-4 in the morning. You could walk down the halls and hear the adding machines clacking in a lot of the rooms. Now you don't hear that, have to look at the door to see if any light is shining thru the bottom (dang computers).
Some had nightmares of the storm, some of us proved that if we had a brain we would not have gotten into adjusting as we just kept on going without thinking about what was out there. Each person is their on self. No two people are the same. Sadly, as an independent, you do not have the luxury of having a good support group as you do when you are a company cat adjuster and stay at the same hotel with your peers. Take time to evaluate how are you doing. Remember HALT, hungry, angry, lonesome, tired. Are you eating, are you tired, are you lonely, do you get angry? If so slow down, start eating real meals (nutrition is critical). Having crazy blood sugar spikes and drops are dangerous and can be the reason for anger and fatigue. Get some rest (you are no good to anyone if you are in the hospital from exhaustion, a stroke, injuries or heart attack) and talk to someone you can feel comfortable with.
Can PTSS be avoided, not if you are in the Public Safety field, the Armed Forces or adjusting, but we can do things to help reduce the effects.
I hope that no one suffers any injuries, strokes or PTSS this year or any other year. It is up to each one of us to remember that even machines need to be maintained for peak effectiveness. The same goes for us
Rocke Baker | | | |
| Tom Toll Life Member Moderator
 Posts:916

 | | 03/14/2007 6:36 PM |
| | Lee, we now live in a dingbat society, so what else would you expect. We are trillions of dollars in debt, and we are killing off good young American soldiers on a daily basis trying to end a feud in Iraq that has been in existence since time started. We send two border guards to prison because they shot a felon, yet, we allow drug traffickers to get off with a hand slap. We allow China to control our economy, so I guess the less knowledgeable dingbats have to come here to expound their ignorance. But, it is a free society, so we just tolerate it as best we can. Or do we? | | Success is not final, failure is not fatal: it is the courage to continue that counts. | |
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