Auto claims adjuster vs property claims adjuster

The differences between auto claims 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 auto claims adjuster and a property claims adjuster. Additionally, a property claims adjuster has an average salary of $54,520, which is higher than the $52,621 average annual salary of an auto claims adjuster.

The top three skills for an auto claims adjuster include repair process, body shop and strong customer service. The most important skills for a property claims adjuster are customer service, claims handling, and xactimate.

Auto claims adjuster vs property claims adjuster overview

	Auto Claims Adjuster	Property Claims Adjuster
Yearly salary	$52,621	$54,520
Hourly rate	$25.30	$26.21
Growth rate	-6%	-6%
Number of jobs	16,187	16,957
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 72%	Bachelor's Degree, 77%
Average age	44	44
Years of experience	4	4

What does an auto claims adjuster do?

A claims adjuster inspects insurance claim liability for property damage or personal injuries and calculates payments. They can either work in-house for insurance companies or as external freelancers. They collect gathered information from different reliable sources to determine insurance obligations based on the degree of damage caused. It is part of their responsibility to interview claimants and witnesses and refer with experts like engineers or policyholders to estimate the damage and if it's covered by insurance policies.

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.

Auto claims adjuster vs property claims adjuster salary

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

	Auto Claims Adjuster	Property Claims Adjuster
Average salary	$52,621	$54,520
Salary range	Between $38,000 And $71,000	Between $39,000 And $74,000
Highest paying City	Jersey City, NJ	Trenton, NJ
Highest paying state	Alaska	New Jersey
Best paying company	EMC Insurance	EMC Insurance
Best paying industry	Insurance	Insurance

Differences between auto claims adjuster and property claims adjuster education

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

	Auto Claims Adjuster	Property Claims Adjuster
Most common degree	Bachelor's Degree, 72%	Bachelor's Degree, 77%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Auto claims adjuster vs property claims adjuster demographics

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

	Auto Claims Adjuster	Property Claims Adjuster
Average age	44	44
Gender ratio	Male, 52.2% Female, 47.8%	Male, 59.2% Female, 40.8%
Race ratio	Black or African American, 12.1% Unknown, 4.4% Hispanic or Latino, 16.3% Asian, 5.1% White, 61.6% 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 auto claims adjuster and property claims adjuster duties and responsibilities

Auto claims adjuster example responsibilities.

Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures
Work closely with staff attorneys to develop litigation strategies and prepare for depositions.
Provide feedback and implement strategies on claim investigation, reserving, settlement and litigation.
Research and review delinquent mortgage cases, financial scenarios and individual homeowner situations to develop solutions compliant with investor policy.
Prepare written arguments for arbitration and provide all supporting documentation and evidence.
Compile and submit arbitration applications against the insurers of at-fault parties who refuse liability.

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.

Auto claims adjuster vs property claims adjuster skills

Common auto claims adjuster skills

Repair Process, 14%
Body Shop, 10%
Strong Customer Service, 9%
Vehicle Inspections, 8%
Insurance Claims, 7%
Customer Service, 5%

Common property claims adjuster skills

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

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Auto Claims Adjuster
Auto Claims Adjuster vs Property Claims Adjuster

Updated January 8, 2025

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