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Damage Appraiser Careers

Damage appraisers assess the damage on vehicles to support insurance claims. Part of their job is to prepare insurance forms and evaluate repair costs, comparing the costs of repair to the vehicle's original value to make sure the expenses are not impractical.

As a damage appraiser, you will be in communication with auto repair shops to consult them on repair and parts prices. You will carry out examinations on damaged vehicles, checking the structure for all possible damage types, whether it affects the body, the mechanics, the electrical wiring, or others.

The average annual salaries for damage appraisers are around $51,140. A GED is enough to get started on this career path, and experience working in auto repair shops will help you land this position.

What Does a Damage Appraiser Do

Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim and, if so, how much.

Duties  

Claims adjusters, appraisers, examiners, and investigators typically do the following:

  • Investigate, evaluate, and settle insurance claims
  • Determine whether the insurance policy covers the loss claimed
  • Decide the appropriate amount the insurance company should pay
  • Ensure that claims are not fraudulent
  • Contact claimants’ doctors or employers to get additional information on questionable claims
  • Confer with legal counsel on claims when needed
  • Negotiate settlements
  • Authorize payments

Claims adjusters, appraisers, examiners, and investigators have varying duties, depending on the type of insurance company they work for. They must know a lot about what their company insures. For example, workers in property and casualty insurance must know housing and construction costs to properly evaluate damage from floods or fires. Workers in health insurance must be able to determine which types of treatments are medically necessary and which are questionable. 

Adjusters inspect property damage to determine how much the insurance company should pay for the loss. They might inspect a home, a business, or an automobile.

Adjusters interview the claimant and witnesses, inspect the property, and do additional research, such as look at police reports. They may consult with other workers, such as accountants, architects, construction workers, engineers, lawyers, and physicians, who can offer a more expert evaluation of a claim.

Adjusters gather information—including photographs and statements, either written or recorded on audio or video—and put together a report for claims examiners to evaluate. When the examiner approves the claim, the adjuster negotiates with the policyholder and settles the claim.

If the claimant contests the outcome of the claim or the settlement, adjusters work with attorneys and expert witnesses to defend the insurer’s position.

Some claims adjusters work as self-employed public adjusters. Often, they are hired by claimants who prefer not to rely on the insurance company’s adjuster. The goal of adjusters working for insurance companies is to save as much money for the company as possible. The goal of a public adjuster working for a claimant is to get the highest possible amount paid to the claimant. They are paid a percentage of the settled claim.

Sometimes, self-employed adjusters are hired by insurance companies in place of hiring adjusters as regular employees. In this case, the self-employed adjusters work in the interest of the insurance company.

Appraisers estimate the cost or value of an insured item. Most appraisers who work for insurance companies and independent adjusting firms are auto damage appraisers. They inspect damaged vehicles after an accident and estimate the cost of repairs. This information then goes to the adjuster, who puts the estimated cost of repairs into the settlement.

Claims examiners review claims after they are submitted to ensure claimants and adjusters followed proper guidelines. They may assist adjusters with complicated claims or when, for example, a natural disaster occurs and the volume of claims increases.

Most claims examiners work for life or health insurance companies. Examiners who work for health insurance companies review health-related claims to see whether the costs are reasonable, given the diagnosis. After they review the claim, they authorize appropriate payment, deny the claim, or refer the claim to an investigator.

Examiners who work for life insurance companies review the causes of death and pay particular attention to accidents, because most life insurance companies pay additional benefits if a death is accidental. Examiners also may review new applications for life insurance policies, to make sure that the applicants have no serious illnesses that would make them a high risk to insure.

Insurance investigators handle claims in which the company suspects fraudulent or criminal activity such as arson, staged accidents, or unnecessary medical treatments. The severity of insurance fraud cases varies, from overstated claims of damage to vehicles to complicated fraud rings. Investigators often do surveillance work. For example, in the case of a fraudulent workers’ compensation claim, an investigator may covertly watch the claimant to see if he or she does anything that would be ruled out by injuries stated in the claim.

How To Become a Damage Appraiser

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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Average Salary
$48,656
Average Salary
Job Growth Rate
-4%
Job Growth Rate
Job Openings
2,172
Job Openings

Damage Appraiser Career Paths

Top Careers Before Damage Appraiser

Top Careers After Damage Appraiser

Estimator
10.5 %

Damage Appraiser Jobs You Might Like

What is the right job for my career path?

Tell us your goals and we'll match you with the rights job to get there.

Average Salary for a Damage Appraiser

Damage Appraisers in America make an average salary of $48,656 per year or $23 per hour. The top 10 percent makes over $55,000 per year, while the bottom 10 percent under $42,000 per year.
Average Salary
$48,656
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Recently Added Salaries

Job TitleCompanyascdescCompanyascdescStart DateascdescSalaryascdesc
Damage Appraiser
Damage Appraiser
Springfield Technical Community College
Springfield Technical Community College
11/20/2019
11/20/2019
$104,35011/20/2019
$104,350

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Damage Appraiser Demographics

Gender

male

82.6 %

female

14.7 %

unknown

2.7 %

Ethnicity

White

66.8 %

Hispanic or Latino

14.8 %

Black or African American

10.3 %

Foreign Languages Spoken

Spanish

73.7 %

Portuguese

10.5 %

German

5.3 %
See More Demographics

Damage Appraiser Education

Majors

Business
29.4 %

Degrees

Bachelors

40.0 %

Certificate

26.4 %

Associate

13.8 %

Top Colleges for Damage Appraisers

1. University of Pennsylvania

Philadelphia, PA • Private

In-State Tuition
$55,584
Enrollment
10,764

2. SUNY Farmingdale

Farmingdale, NY • Private

In-State Tuition
$8,306
Enrollment
9,394

3. Boston University

Boston, MA • Private

In-State Tuition
$53,948
Enrollment
17,238

4. University of Minnesota - Twin Cities

Minneapolis, MN • Private

In-State Tuition
$14,760
Enrollment
31,451

5. Howard University

Washington, DC • Private

In-State Tuition
$26,756
Enrollment
6,166

6. SUNY College at Oswego

Oswego, NY • Private

In-State Tuition
$8,440
Enrollment
7,039

7. Stanford University

Stanford, CA • Private

In-State Tuition
$51,354
Enrollment
7,083

8. Baylor University

Waco, TX • Private

In-State Tuition
$45,542
Enrollment
14,159

9. University of Louisiana at Lafayette

Lafayette, LA • Private

In-State Tuition
$9,912
Enrollment
14,245

10. SUNY College of Technology at Alfred

Alfred, NY • Private

In-State Tuition
$8,570
Enrollment
3,721
See More Education Info

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Top Skills For a Damage Appraiser

The skills section on your resume can be almost as important as the experience section, so you want it to be an accurate portrayal of what you can do. Luckily, we've found all of the skills you'll need so even if you don't have these skills yet, you know what you need to work on. Out of all the resumes we looked through, 14.1% of damage appraisers listed vehicle repair on their resume, but soft skills such as analytical skills and communication skills are important as well.

  • Vehicle Repair, 14.1%
  • Parts Costs, 13.5%
  • Claims Department, 12.0%
  • Process Claims, 11.9%
  • Claims Personnel, 8.8%
  • Other Skills, 39.7%
  • See All Damage Appraiser Skills

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Top Damage Appraiser Employers

1. Liberty ARC
4.1
Avg. Salary: 
$54,159
Damage Appraisers Hired: 
59+
2. GEICO
4.4
Avg. Salary: 
$59,342
Damage Appraisers Hired: 
40+
3. Travelers
4.8
Avg. Salary: 
$61,721
Damage Appraisers Hired: 
37+
4. State Farm
4.6
Avg. Salary: 
$55,633
Damage Appraisers Hired: 
24+
5. Liberty Mutual
4.7
Avg. Salary: 
$65,728
Damage Appraisers Hired: 
23+
6. Progressive
4.5
Avg. Salary: 
$62,129
Damage Appraisers Hired: 
18+
Updated October 2, 2020