Anyone self employed?

I am a self employed independent insurance adjuster/appraiser...since 1986.Work has been good up until about a year ago.Independents around my neck of the woods are cutting their fees just to get the work!!! Sending un-licensed people out in the field to inspect for them take pics and get info to carry back to the owner/appraiser and he sits at his desk and tries to write damage appraisals from a picture and charges a small fee for the work !!!! Quality surely is not there....It's "tuff" for us independents that have license & are qualified. We work our butts off & some independents tries to cut your neck off just to lower his service bills to get the work but no quality......But we're still hanging in there.

Leonard