Claims representative vs property claims adjuster

The differences between claims representatives and property claims 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 claims adjuster takes usually requires 2-4 years. Additionally, a property claims adjuster has an average salary of $54,520, 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 claims adjuster are customer service, claims handling, and xactimate.

Claims representative vs property claims adjuster overview

	Claims Representative	Property Claims Adjuster
Yearly salary	$38,796	$54,520
Hourly rate	$18.65	$26.21
Growth rate	-6%	-6%
Number of jobs	18,565	16,957
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 77%
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 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.

Claims representative vs property claims adjuster salary

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

	Claims Representative	Property Claims Adjuster
Average salary	$38,796	$54,520
Salary range	Between $28,000 And $53,000	Between $39,000 And $74,000
Highest paying City	Dearborn, MI	Trenton, NJ
Highest paying state	New Jersey	New Jersey
Best paying company	W. R. Berkley	EMC Insurance
Best paying industry	Government	Insurance

Differences between claims representative and property claims adjuster education

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

	Claims Representative	Property Claims Adjuster
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 77%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Claims representative vs property claims adjuster demographics

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

	Claims Representative	Property Claims Adjuster
Average age	44	44
Gender ratio	Male, 37.5% Female, 62.5%	Male, 59.2% Female, 40.8%
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, 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 claims representative and property claims 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 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.

Claims representative vs property claims 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 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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Claims Representative vs Property Claims Adjuster

Updated January 8, 2025

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