Claims representative vs appraiser

The differences between claims representatives and appraisers can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 4-6 years to become a claims representative, becoming an appraiser takes usually requires 2-4 years. Additionally, an appraiser has an average salary of $42,223, which is higher than the $38,796 average annual salary of a claims representative.

The top three skills for a claims representative include customer service, quality standards and policy coverage. The most important skills for an appraiser are commercial property, appraisal reports, and customer service.

Claims representative vs appraiser overview

	Claims Representative	Appraiser
Yearly salary	$38,796	$42,223
Hourly rate	$18.65	$20.30
Growth rate	-6%	7%
Number of jobs	18,565	1,186
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 62%
Average age	44	49
Years of experience	6	4

What does a claims representative do?

A Claims Representative is an agent who works for insurance companies in order to investigate and settle claims. The agent acts as an intermediary between customers and insurance companies by evaluating the customers' facts surrounding claims and determining whether the loss is covered or should be compensated. Such a role is important because an agent makes sure that no fraud claims are being paid out. It is also highlighted that an agent works in compliance with state regulations.

What does an appraiser do?

An appraiser is someone who assesses the monetary value of a property such as an automobile, real property, and personal claim. His/Her or her responsibilities include resolving disparities between a property's monetary values and preparing narrative reports for projects. The essential skills that an appraiser should possess to accomplish such responsibilities include a keen eye for details, strong communication, analytical, and problem-solving skills, and the ability to work under pressure. The education requirements for the job vary depending on the area of focus.

Claims representative vs appraiser salary

Claims representatives and appraisers have different pay scales, as shown below.

	Claims Representative	Appraiser
Average salary	$38,796	$42,223
Salary range	Between $28,000 And $53,000	Between $29,000 And $59,000
Highest paying City	Dearborn, MI	San Mateo, CA
Highest paying state	New Jersey	California
Best paying company	W. R. Berkley	City National Bank
Best paying industry	Government	Insurance

Differences between claims representative and appraiser education

There are a few differences between a claims representative and an appraiser in terms of educational background:

	Claims Representative	Appraiser
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 62%
Most common major	Business	Business
Most common college	Stanford University	University of Pennsylvania

Claims representative vs appraiser demographics

Here are the differences between claims representatives' and appraisers' demographics:

	Claims Representative	Appraiser
Average age	44	49
Gender ratio	Male, 37.5% Female, 62.5%	Male, 67.8% Female, 32.2%
Race ratio	Black or African American, 11.0% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.4% American Indian and Alaska Native, 0.5%	Black or African American, 4.6% Unknown, 3.9% Hispanic or Latino, 6.8% Asian, 2.9% White, 81.5% American Indian and Alaska Native, 0.4%
LGBT Percentage	10%	8%

Differences between claims representative and appraiser duties and responsibilities

Claims representative example responsibilities.

Perform initial set-up and continuously manage claims in the Juris claims management system.
Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
Prepare necessary state filings within statutory limits, manage litigation and vocational rehabilitation process, used appropriate cost containment techniques.
Assist the training department in developing CSR training in order to set expectations.
Create custom templates and guide sheets for new trainees in the CSR Internet division to ensure consistency and increase department efficiency.
Utilize proper SIU reporting procedures for extensive investigation as required.

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Appraiser example responsibilities.

Cross-Train in numerous banking/lending fields relate to real property appraisal such as underwriting, loan processing, and loan origination.
Experience in appraising single family residences, condominiums, raw land, develop lots, construction appraisals, and final inspections.
Complete commercial appraisal assignments in Illinois under a supervising MAI.
Prepare analysis of valuation issues for federal agency rent appeals, federal acquisitions, and litigation.
Provide oversight of the appraisers, to insure they are FHA approve.
Handle total losses by obtaining CCC reports, obtaining DMV documents and contacting lien holders.

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Claims representative vs appraiser skills

Common claims representative skills

Customer Service, 26%
Quality Standards, 6%
Policy Coverage, 6%
Reservations, 5%
Claims Handling, 3%
Insurance Coverage, 3%

Common appraiser skills

Commercial Property, 13%
Appraisal Reports, 12%
Customer Service, 7%
MAI, 6%
Discounted Cash Flow, 5%
Market Research, 4%

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Updated January 8, 2025

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