Claims representative vs senior claims adjuster

The differences between claims representatives and senior 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 senior claims adjuster takes usually requires 2-4 years. Additionally, a senior claims adjuster has an average salary of $58,688, 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 senior claims adjuster are customer service, litigation, and coverage issues.

Claims representative vs senior claims adjuster overview

	Claims Representative	Senior Claims Adjuster
Yearly salary	$38,796	$58,688
Hourly rate	$18.65	$28.22
Growth rate	-6%	-6%
Number of jobs	18,565	11,495
Job satisfaction	-	2
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 70%
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 senior claims adjuster do?

A senior claims adjuster is in charge of inspecting and analyzing insurance claims to validate and adjust payments. Among their responsibilities include reviewing and verifying claims documents, visiting sites to investigate property damages and personal injuries, gathering evidence such as photos and videos, and conducting interviews with witnesses and clients. Moreover, as a senior claims adjuster, it is essential to lead and serve as a mentor to fellow claims adjusters while enforcing and promoting the company's policies and regulations.

Claims representative vs senior claims adjuster salary

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

	Claims Representative	Senior Claims Adjuster
Average salary	$38,796	$58,688
Salary range	Between $28,000 And $53,000	Between $37,000 And $91,000
Highest paying City	Dearborn, MI	Roseville, CA
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 senior claims adjuster education

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

	Claims Representative	Senior Claims Adjuster
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 70%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Claims representative vs senior claims adjuster demographics

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

	Claims Representative	Senior Claims Adjuster
Average age	44	44
Gender ratio	Male, 37.5% Female, 62.5%	Male, 48.2% Female, 51.8%
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, 11.7% Unknown, 4.4% Hispanic or Latino, 16.9% Asian, 5.2% White, 61.3% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between claims representative and senior 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.

Senior claims adjuster example responsibilities.

Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures
Experience litigation adjuster proactively investigating, evaluating, and negotiating commercial and homeowner general liability casualty and property damage liability claims.
Prepare and calculate consumer pensions as well as variable & fix annuities.
Develop relationships with other departments such as sales, underwriting, and SIU in order to meet business goals.
Prepare property repair estimates utilizing Xactimate estimating software.
Structure settlement options with annuities and Medicare set-aside programs.

Claims representative vs senior 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 senior claims adjuster skills

Customer Service, 25%
Litigation, 9%
Coverage Issues, 6%
Strong Customer Service, 5%
Settlement Authority, 5%
Claims Handling, 3%

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Claims Representative vs Senior Claims Adjuster

Updated January 8, 2025

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