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Adjuster skills for your resume and career

Updated January 8, 2025
4 min read
Adjuster example skills
Below we've compiled a list of the most critical adjuster skills. We ranked the top skills for adjusters based on the percentage of resumes they appeared on. For example, 18.5% of adjuster resumes contained customer service as a skill. Continue reading to find out what skills an adjuster needs to be successful in the workplace.

15 adjuster skills for your resume and career

1. Customer Service

Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.

Here's how adjusters use customer service:
  • Resolved property and injury liability claims in a timely and efficient manner by providing excellent internal and external customer service.
  • Provided exceptional customer service during investigation, evaluation, and resolving bodily injury and property damage homeowner claims.

2. Strong Customer Service

Here's how adjusters use strong customer service:
  • Use strong customer service skills to negotiate with policy holders, claimants, or attorneys to settle the claim to completion.

3. Litigation

Here's how adjusters use litigation:
  • Reviewed evidence obtained in liability investigations to evaluate a claim for success in recovery through litigation or arbitration.
  • Handled all aspects of professional liability claim litigation for allied health professionals and physicians malpractice nationwide.

4. Liability Claims

Liability claims are insurance claims where the insured is accused of holding responsibility for some damage or loss. Upon hearing or receiving the accusations, the insured reaches out to his or her insurance company for financial or other assistance, at which point the insurance company would determine whether the damage or loss is covered by the insured's policy. If covered, the insurance company may conduct an investigation or manage and legal processes for the insured.

Here's how adjusters use liability claims:
  • Investigated liability claims by taking recorded statements, scene investigations, obtaining accident reports and communicating with officials when necessary.
  • Investigated, evaluated, negotiated and settled bodily injury and property damage liability claims and first party injury claims.

5. Policy Coverage

Policy coverage is an agreement between a person and an insurer outlining the coverage - what is covered, what is not, and other details of the agreement. Policy coverage is typically a combination of several standard forms, including a declaration page, coverage form, and endorsements. These forms delineate the coverage term, the policy limits, the grant of coverage, exclusions and other limitations of coverage, and the duties and responsibilities of the insured in the event of a loss.

Here's how adjusters use policy coverage:
  • Interpreted and made decisions using independent judgment on moderate-to-difficult claims and policy coverage and determined if coverage applied to claims submitted.
  • Determine policy coverage through analyzing investigation data and policy terms including whether claim will be approved or denied.

6. Insurance Claims

Here's how adjusters use insurance claims:
  • Investigate property and casualty Personal and Commercial lines insurance claims involving all automobiles and commercial vehicles.
  • Investigated insurance claims for many insurance companies, dealing with property damages and liability situations.

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7. Auto Claims

Auto claims are claims made to insurance companies or firms in cases of accidents, collisions, or damages to determine payments made. Insurance companies hire auto claim adjusters to help inspect, assess, and determine the state of damager on an auto vehicle and the costs that would incur.

Here's how adjusters use auto claims:
  • Investigated various personal injury and medial auto claims and screened medical bills, reviewing medical notes to determine eligibility of benefits.
  • Assisted major insurance company in handling and processing auto claims; specialized in managing claims associated with catastrophic events.

8. Insurance Coverage

Here's how adjusters use insurance coverage:
  • Examine insurance policy and other records, and properly analyze policy language to determine insurance coverage.
  • Determined insurance coverage by assessing the origin of property claims and interpreting policyholder contracts.

9. Police Reports

Police reports, also known as "incident reports," are recorded by members of the police department and detail a (potentially) illegal incident or confrontation. The following information is usually found on a police report: the date and time of the incident, which officers were involved, the address of the incident, what kind of incident (theft, assault, etc.), and how the officers were alerted to the incident.

Here's how adjusters use police reports:
  • Investigated liability by obtaining police reports, scene investigations, and reviewing damage estimates and photographs.
  • Conduct detailed data collection and analysis, review of evidence, police reports, witness statements, scene photos, etc.

10. Xactimate

Xactimate is a computer platform used to estimate the cost of room restoration. Users sketch an architectural outline of the room, which offers a close estimation for project costs. Xactimate can connect to the cloud so these plans and estimates can be accessed anywhere on mobile and desktop devices.

Here's how adjusters use xactimate:
  • Experienced with using XACTIMATE PROGRAMS.
  • Prepare computerized estimates utilizing Xactimate and document all activity associated with the claim in clients web based claims management system.

11. Process Claims

Process claims refers to the procedure an insurance agent follows once receiving a claim from an insured individual. This often includes reviewing, investigating, and deciding on whether the claim will be accepted or denied depending on the results of the insurer's investigation. This is a common procedure for all kinds of insurance including medical, auto, and liability insurance.

Here's how adjusters use process claims:
  • Navigate through various industry software to process claims efficiently and accurately.
  • Planned and scheduled work needed to process claims, interviewed claimants and witnesses, and investigated claims.

12. Insurance Policies

Here's how adjusters use insurance policies:
  • Interpreted multiple complex insurance policies considering and resolving variables such as coverage and liability, assuring efficient and accurate claims handling.
  • Evaluated insurance policies and analyzed damages to determine coverage then explained coverage as needed to the customers.

13. Medical Reports

Here's how adjusters use medical reports:
  • Examined medical reports and invoices to properly negotiate basic bodily injury claims to prevent unnecessary company expense.
  • Resolve third party property damage and bodily injury claims by evaluating physical damaged and medical reports.

14. Arbitration

Here's how adjusters use arbitration:
  • Responded to time sensitive materials, including but not limited to inter-company arbitration hearings and departments of insurance complaints.
  • Charged with answering and defending policy holders and company interests through independent and binding third-party arbitration proceedings.

15. State Regulations

State regulations are the rules made by the state authorities under a specific Act. When a government intervenes in the private market to implements policies, they are known as state regulations. These policies help in achieving the economic, political, and social targets which might not be able to achieve otherwise.

Here's how adjusters use state regulations:
  • Maintained company reputation and insurance products integrity by complying with federal and state regulations and service standards while upholding production levels.
  • Negotiated Personal Injury Protection claims with attorneys and other carriers following appropriate state regulations such as Washington Mahler.
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List of adjuster skills to add to your resume

The most important skills for an adjuster resume and required skills for an adjuster to have include:

  • Customer Service
  • Strong Customer Service
  • Litigation
  • Liability Claims
  • Policy Coverage
  • Insurance Claims
  • Auto Claims
  • Insurance Coverage
  • Police Reports
  • Xactimate
  • Process Claims
  • Insurance Policies
  • Medical Reports
  • Arbitration
  • State Regulations
  • Bodily Injury Claims
  • Repair Estimates
  • Claims Handling
  • PIP
  • Commercial Property
  • Catastrophe Claims
  • Coverage Issues
  • General Liability
  • Casualty Claims
  • Auto Accidents
  • Medical Bills
  • Scene Investigations
  • Medical Claims
  • Homeowner
  • Insurance Carriers
  • Physical Damage
  • Delinquent Accounts
  • Policy Holders
  • State Farm Insurance
  • Property Loss
  • Payment Arrangements
  • Policy Language
  • Defense Counsel
  • Body Shop
  • SIU
  • Auto Liability
  • Collection Efforts
  • Medical Treatment
  • Property Damage Claims
  • Compensation Claims
  • Excellent Negotiation
  • Inbound Calls
  • Assess Damage
  • Party Claims
  • Issue Payments

Updated January 8, 2025

Zippia Research Team
Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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