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Become A Claims Adjuster

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Working As A Claims Adjuster

  • Identifying Objects, Actions, and Events
  • Interacting With Computers
  • Getting Information
  • Documenting/Recording Information
  • Processing Information
  • Unpleasant/Angry People

  • Mostly Sitting

  • Make Decisions

  • Stressful

  • $74,350

    Average Salary

What Does A Claims Adjuster Do

Claims Adjusters determine how much money people are entitled to receive on their insurance claims. They investigate and process insurance claims filed by policyholders.

How To Become A Claims Adjuster

A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator. Higher level positions may require a bachelor’s degree or some insurance-related work experience. Auto damage appraisers typically have either a postsecondary nondegree award or work experience in identifying and estimating the cost of automotive repair.

Education

A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator. However, employers sometimes prefer to hire applicants who have a bachelor’s degree or some insurance-related work experience or vocational training. Auto damage appraisers typically have either a postsecondary nondegree award or experience working in an auto repair shop, identifying and estimating the cost of automotive repair.

The varying types of work in these occupations can require different backgrounds or different college coursework. For example, a business or an accounting background might be best for someone who wishes to specialize in claims of financial loss due to strikes, equipment breakdowns, or merchandise damage. College training in architecture or engineering is helpful for adjusting industrial claims, such as those involving damage from fires or other accidents. A legal background is beneficial to someone handling workers’ compensation and product liability cases. A medical background is useful for examiners working on medical and life insurance claims.

Although auto damage appraisers are not required to have a college education, most companies prefer to hire people who have the formal training, experience, or knowledge and technical skills to identify and estimate the cost of automotive repair. Many vocational schools and some community colleges offer programs in auto body repair and teach students how to estimate the cost of repairing damaged vehicles.

For investigator jobs, a high school diploma or equivalent is the typical education requirement. Most insurance companies prefer to hire people trained as law enforcement officers, private investigators, claims adjusters, or examiners, because these workers have good interviewing and interrogation skills.

Training

At the beginning of their careers, claims adjusters, examiners, and investigators work on small claims, under the supervision of an experienced worker. As they learn more about claims investigation and settlement, they are assigned larger, more complex claims.

Auto damage appraisers typically get on-the-job training, which may last several months. This training usually involves working under the supervision of a more experienced appraiser while estimating damage costs, until the employer decides that the trainee is ready to do estimates on his or her own.

Licenses, Certifications, and Registrations

Licensing requirements for claims adjusters, appraisers, examiners, and investigators vary by state. Some states have few requirements; others require either completing prelicensing education or receiving a satisfactory score on a licensing exam (or both).

In some states, claims adjusters employed by insurance companies do not have to become licensed themselves because they can work under the company license.

Public adjusters may need to meet separate or additional requirements.

Some states that require licensing also require a certain number of continuing education credits per year to renew the license. Federal and state laws and court decisions affect how claims must be handled and what insurance policies can and must cover. Examiners working on life and health claims must stay up to date on new medical procedures and the latest prescription drugs. Examiners working on auto claims must be familiar with new car models and the most recent repair techniques. In order to fulfill their continuing education requirements, workers can attend classes or workshops, write articles for claims publications, or give lectures and presentations.

Important Qualities

Analytical skills. Adjusters and examiners must both evaluate whether the insurance company is obligated to pay a claim and determine the amount to pay. Adjusters must carefully consider various pieces of information to reach a decision.

Communication skills. Claims adjusters and investigators must get information from a wide range of people, including claimants, witnesses, and medical experts. They must know the right questions to ask in order to gather the information they need.

Detail oriented. Adjusters, appraisers, examiners, and investigators must carefully review documents and damaged property, because small details can have large financial consequences.

Interpersonal skills. Adjusters, examiners, and investigators often meet with claimants and others who may be upset by the situation that requires a claim or by the settlement the company is offering. These workers must be understanding, yet firm with their company’s policies.

Math skills. Appraisers must be able to calculate property damage.

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Claims Adjuster jobs

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Real Claims Adjuster Salaries

Job Title Company Location Start Date Salary
Claims Adjuster Factory Mutual Insurance Company Plano, TX Feb 15, 2016 $75,608
Claims Adjuster FM Global Plano, TX Jan 03, 2016 $75,608
Field Claims Adjuster Coast 2 Coast Services, LLC FL Sep 01, 2014 $57,000
Claims Adjusters Bristol West Insurance Services Inc. of Florida Centennial, CO May 01, 2008 $56,400
Claims Adjustor EIMC, LLC Jersey City, NJ Dec 09, 2016 $54,512
Field Claims Adjuster Coast 2 Coast Claims Servcies, LLC Land O Lakes, FL Apr 04, 2011 $46,000
Field Claims Adjuster Coast 2 Coast Claims Servcies, LLC FL Apr 04, 2011 $46,000
Field Claims Adjuster Coast 2 Coast Claims Services, LLC Land O Lakes, FL Sep 01, 2011 $46,000

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Top Skills for A Claims Adjuster

AutoClaimsTotalLossCustomerServiceBodilyInjuryClaimsAdjustersInsuranceCompaniesProcessInsuranceClaimsPoliceReportsInsurancePolicyPropertyDamageClaimsMedicalClaimsWorkersCompensationClaimsGeneralLiabilityClaimsMedicalBillsCatastropheAutoAccidentsPolicyCoverageXactimateMedicalRecordsPolicyHolders

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Top Claims Adjuster Skills

  1. Auto Claims
  2. Total Loss
  3. Customer Service
You can check out examples of real life uses of top skills on resumes here:
  • Conducted investigation of body injury, property, general liability and auto claims.
  • Determine if vehicle is a Total Loss based on extent of damage and/or cost to repair.
  • Provided customer service with integrity and empathy.
  • Negotiated settlements of bodily injury claims with attorneys and claimants.
  • Communicated with insureds, agents, contractors, and public adjusters.

Top Claims Adjuster Employers