Adjuster vs property claims adjuster

The differences between adjusters and property claims adjusters can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both an adjuster and a property claims adjuster. Additionally, a property claims adjuster has an average salary of $54,520, which is higher than the $49,396 average annual salary of an adjuster.

The top three skills for an adjuster include customer service, strong customer service and litigation. The most important skills for a property claims adjuster are customer service, claims handling, and xactimate.

Adjuster vs property claims adjuster overview

	Adjuster	Property Claims Adjuster
Yearly salary	$49,396	$54,520
Hourly rate	$23.75	$26.21
Growth rate	-6%	-6%
Number of jobs	7,936	16,957
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 77%
Average age	44	44
Years of experience	4	4

What does an adjuster do?

An adjuster is responsible for evaluating the extent of loss in the company by calculating the damage costs, determining the settlement payment to the client, and managing the reputation of the company for claims accountability. Adjusters must have extensive knowledge of the insurance principles and processes, following the state and federal regulations to protect clients and the business from insurance fraud. They collect documents from different organizations, perform field research, and interview witnesses to verify the accuracy of claims statement.

What does a property claims adjuster do?

Property Claims Adjusters are individuals who evaluate the insurance claims of their clients. They specialize in the appraisal of property-related insurance claims such as damages or other concerns. They often work outside the office, typically always on fieldwork, since their job entails them to visit the property involved in the insurance claim. Property Claims Adjusters appraise the property, check the damages, evaluate whether the claims are valid, and provide their verdict. Insurance Claims on the property are adjusted based on their recommendations and final verdict. Property claims adjusters should be familiar with building codes, property laws, and insurance guidelines.

Adjuster vs property claims adjuster salary

Adjusters and property claims adjusters have different pay scales, as shown below.

	Adjuster	Property Claims Adjuster
Average salary	$49,396	$54,520
Salary range	Between $35,000 And $68,000	Between $39,000 And $74,000
Highest paying City	Parsippany-Troy Hills, NJ	Trenton, NJ
Highest paying state	New Jersey	New Jersey
Best paying company	FCCI	EMC Insurance
Best paying industry	Insurance	Insurance

Differences between adjuster and property claims adjuster education

There are a few differences between an adjuster and a property claims adjuster in terms of educational background:

	Adjuster	Property Claims Adjuster
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 77%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Adjuster vs property claims adjuster demographics

Here are the differences between adjusters' and property claims adjusters' demographics:

	Adjuster	Property Claims Adjuster
Average age	44	44
Gender ratio	Male, 56.9% Female, 43.1%	Male, 59.2% Female, 40.8%
Race ratio	Black or African American, 12.2% Unknown, 4.4% Hispanic or Latino, 16.3% Asian, 5.1% White, 61.4% American Indian and Alaska Native, 0.5%	Black or African American, 11.3% Unknown, 4.4% Hispanic or Latino, 16.4% Asian, 5.1% White, 62.3% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between adjuster and property claims adjuster duties and responsibilities

Adjuster example responsibilities.

Manage strict confidentiality of documents and comply with HIPAA regulations stipulate by the facility and government.
Review evidence obtain in liability investigations to evaluate a claim for success in recovery through litigation or arbitration.
Document measurements and relevant data to author estimates and appraisals utilizing Xactimate 28software.
Charge with answering and defending policy holders and company interests through independent and binding third-party arbitration proceedings.
Review departmental reports and financial data; prepare reports of findings, negotiating settlement demands or recommending litigation.
Prepare computerize estimates utilizing Xactimate and document all activity associate with the claim in clients web base claims management system.

Property claims adjuster example responsibilities.

Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures
Offer diligent investigations and evaluation of commercial and third party liability claims, investigative and litigation management.
Represent the insurance company in an arbitration settlement in NYC.
Write denial letters, reservations of rights letters, and other complex correspondence.
Recognize potentially fraudulent claims, utilizes SIU and other sources as needed, consults with management.
Negotiate with attorneys, order police reports, assist with the SIU department for possible fraud claims.

Adjuster vs property claims adjuster skills

Common adjuster skills

Customer Service, 19%
Strong Customer Service, 7%
Litigation, 7%
Liability Claims, 6%
Policy Coverage, 6%
Insurance Claims, 4%

Common property claims adjuster skills

Customer Service, 34%
Claims Handling, 11%
Xactimate, 8%
Strong Customer Service, 5%
Damage Estimates, 5%
Policy Coverage, 3%

Adjuster vs. similar jobs

Adjuster related careers

Adjuster related jobs

What similar roles do

Zippia Careers
Business and Financial Industry
Adjuster
Adjuster vs Property Claims Adjuster

Updated January 8, 2025

Browse business and financial jobs