I recently had to make a difficult decision. Well, in the case of my sanity, it was a pretty easy decision, but emotionally and financially, it was a little more difficult.
If you've been along for the ride with Backside of Forty since... well, since just after I turned forty... you'll know that life came a bit unglued around about that time. In 2008, after experiencing the joys of the adoption of a daughter (#3) and the birth of a surprise son (#4), the economy decided to take the American housing market (in which I was happily and gainfully employed) and flush it down the toilet... for a historically unprecedented long time.
What does a guy who has an unusable Master's Degree and seven years experience in an unrelated and dead field do when that happens? Well, initially, about
anything he can.
Drive a Peterbilt...
Sell Chrysler/Dodge/Jeep/Ram products...
And, try to figure out where to go from there.
The Peterbilt was intended to be a temporary gig, thinking that the housing market would rebound in a year, or so. The rebound? Didn't happen.
Because I couldn't stand being away from my family for six consecutive days a week, I turned in the keys to my truck after a pretty brief truck driving stint and took the next anything that came along... selling cars. I used the year and a half of car sales to try to regroup and rethink my future. I also used it as a time of research. As part of my role as car salesman... er, automotive sales and leasing consultant... I filled out credit applications for customers who purchased cars. So, every time I sold a car, I learned my customer's occupation, employer and annual salary. Interesting and eye-opening.
One summer day in 2010, I sold a Dodge Nitro to an Insurance Claims Adjuster. That day, I decided that with my background, skills, experience and income needs, I should consider becoming a property claims adjuster for an insurance company. I did some additional research. I made a plan.
From that point, I began to target insurance companies within a reasonable commute of my home, and began trying to network (something introverts suck at) with anyone I possibly could in the insurance industry... which was basically my agent and my cousin, Mike... but, hey, it's a start, right? I rebuilt my resume and began weekly perusing a folder of links to insurance company job listings. And, I discovered that it is pretty tough to get hired as an adjuster "off the street" with no prior experience.
After many dead ends, in the fall of 2011, I was hired by a major insurance carrier, not as an adjuster, but as an underwriter. Foot in the door... stepping stone...
In the spring of 2013, I then interviewed for a property claims adjuster position with my employer and was selected for the job. It came with a salary increase and much more potential for financially bettering myself in the future.
It took over two and a half years, but I achieved my new career goal! I was a Property Claims Adjuster for a major insurance carrier, using my architectural, sales and customer service backgrounds in a position that I was proud of. It was the best I had felt about myself in five years.
Then...
I crashed and burned.
Now, things crashing and burning are all in a day's work for an insurance adjuster, but those are our insured's things, not the actual career of the adjuster. And, it was not that I was a dismal failure as an adjuster. No, I was doing pretty well, and my supervisors, mentors and coworkers were happy with my work and in many cases felt that I was performing ahead of the learning curve. But, the role was very demanding, fast paced and stressful... very stressful.
I can deal with some stress. The past few years have been quite stressful, in fact. However, being the detailed person that I am, I had difficulty keeping up with the large volume of claims that came across my desk, and I just could not leave the stress at work. For some reason, the nature of the job caused me to carry the stress with me everywhere I went... many nights depriving me of hours of needed sleep.
It was not just me. The whole office seemed to be redlining on stress, but somehow juggling it and managing it... evidently slightly better than me.
After a number of discussions with my supervisor, I decided that, although common sense said that time would bring improved performance in my role as an adjuster, I could not see myself being able to handle the high stress levels long-term. Though she felt that I definitely had the skills necessary to succeed as an adjuster, my supervisor confirmed that I would not be the first to aspire to this role, only to decide that it was not the right fit.
This spring, underwriting positions opened up and I made the decision to apply. I interviewed and was offered a position very similar to my previous one. In early April, after just short of a year as a Property Claims Adjuster, I downshifted and stepped back into my previous department.
Though they welcomed me back with open arms, and though I know of a number of underwriters who, like me, briefly detoured into the land of claims, it does not make it any less disappointing. I am proud of achieving my goal to obtain the position, and I am proud of the work I did while in the position. But, I have to admit that I am disappointed that it did not work out for me. While underwriting is a noble career, it just does not have quite the amount of opportunity that exists in the claims department.
Sometimes, though, you have to downshift. Now, it is on to Underwriter... the sequel.
