Claims representative vs property adjuster

The differences between claims representatives and property adjusters 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 a property adjuster takes usually requires 2-4 years. Additionally, a property adjuster has an average salary of $54,661, 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 a property adjuster are customer service, xactimate, and claims handling.

Claims representative vs property adjuster overview

	Claims Representative	Property Adjuster
Yearly salary	$38,796	$54,661
Hourly rate	$18.65	$26.28
Growth rate	-6%	-6%
Number of jobs	18,565	12,286
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 73%
Average age	44	44
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 a property adjuster do?

Typically working for insurance companies, a property adjuster specializes in inspecting property damages to assess and determine a company's financial obligations. Their responsibilities revolve around reaching out to clients through calls and correspondence, arranging appointments, gathering and verifying data, and traveling to different locations to meet with clients. They may also negotiate settlements and authorize payments in adherence to the company's policies and regulations. Furthermore, as a property adjuster, it is essential to have a deep understanding of property costs to ensure the accuracy of claims.

Claims representative vs property adjuster salary

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

	Claims Representative	Property Adjuster
Average salary	$38,796	$54,661
Salary range	Between $28,000 And $53,000	Between $39,000 And $76,000
Highest paying City	Dearborn, MI	San Francisco, CA
Highest paying state	New Jersey	Alaska
Best paying company	W. R. Berkley	The Hanover Insurance Group
Best paying industry	Government	Insurance

Differences between claims representative and property adjuster education

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

	Claims Representative	Property Adjuster
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 73%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Claims representative vs property adjuster demographics

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

	Claims Representative	Property Adjuster
Average age	44	44
Gender ratio	Male, 37.5% Female, 62.5%	Male, 67.6% Female, 32.4%
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, 12.4% Unknown, 4.4% Hispanic or Latino, 16.6% Asian, 5.2% White, 60.9% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between claims representative and property adjuster 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.

Property adjuster example responsibilities.

Apply strong customer service, organizational and multitasking skills to efficiently manage auto insurance claims.
Complete property appraisals on residential dwelling and commercial property including business interruption and business personal property using Xactimate program.
Analyze homes, automobiles, boats, RV's, etc.
Issue payments via ECS system.
Experience in CCC estimating software systems.
Experience with CCC pathways estimating system.

Claims representative vs property adjuster skills

Common claims representative skills

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

Common property adjuster skills

Customer Service, 17%
Xactimate, 11%
Claims Handling, 6%
State Regulations, 6%
Strong Analytical, 5%
Litigation, 5%

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Claims Representative
Claims Representative vs Property Adjuster

Updated January 8, 2025

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