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Become A Field Adjuster

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Working As A Field Adjuster

  • Identifying Objects, Actions, and Events
  • Interacting With Computers
  • Getting Information
  • Documenting/Recording Information
  • Processing Information
  • Unpleasant/Angry People

  • Mostly Sitting

  • Make Decisions

  • Stressful

  • $62,980

    Average Salary

What Does A Field Adjuster Do At Metlife

* Interviews insureds, claimants and other parties to determine the facts of the claim.
* Creates and documents claims file to comply with company guidelines and state regulations.
* Reviews factual information to determine coverage and/or liability of all parties to the claim.
* Determines value of the claim considering depreciation and actual cash value, negotiates and commits to the settlement, and moves claim to closure.
* Resolves complaints, and participates in arbitration and/or grievance procedures.
* Recommends subrogation and/or SIU referral.
* Manages pending claims to meet company quality criteria.
* Prepare detailed repair estimates for dwelling and personal property damage
* Performs other related duties as assigned or required

What Does A Field Adjuster Do At York Risk Services

* Preliminary forensic examination of the loss location
* Through interviews, collect and review documents including leases, deeds, and easements, ascertain who had control of the loss location and who was responsible for maintenance and repair
* Obtain documents that may shift risk and liability (including leases, easement, maintenance agreements, etc.)
* Take appropriate measurements, photographs and recorded statements
* If claim involves damages to property, take photos and measurements to determine scope of damage and estimate the damages in terms of replacement costs, actual cash value or other measure of damages.
* Must be familiar with building codes and local ordinances.
* Must have a working knowledge of computerized estimating systems.
* Must be able to guide and oversee experts, on behalf of the client, including causes and origin, experts, structural engineers, architects, and remediation experts.
* Must keep current on legal and regulatory developments, and on applicable case law.
* Be alert to insurance fraud and implement special procedures if possible fraud is detected.
* SUPERVISION EXERCISED:
* Must be able to guide and oversee experts, on behalf of the client, including causes and origin, experts, structural engineers, architects, and remediation experts.
* Directs and plans the work of staff members and has direct involvement with and/or responsibility for the hiring, coaching, developing, training, appraising and disciplinary processes for subordinates

What Does A Field Adjuster Do At Allstate Insurance

* Customer Service Makes and maintains a connection with the customer by understanding and meeting their needs; serves the customer with empathy; and follows up to ensure that customer needs have been met Researches and responds to moderately complex customer communications, concerns, conflicts or issues File Documentation and Reporting Summarizes documents and enters into claim system notes Documents a claim file with notes, evaluations and decision making process Damage Estimating Investigates moderately complex files, reviews damage, takes photos, and determines reparability or total loss Prepares damage estimates for moderately complex claims and locates parts Prepares, reviews, reconciles and/or approves supplements Conditions vehicles and prepares report for customer Determines valuation of salvage Evaluates diminished value in a moderately complex claim Claim Payment Processes
* Issuance and Authority Processes claims payments Initiates system generated checks and pays appropriate parties Negotiation and Settlement Guidance Negotiates and settles moderately complex claims in accordance with business unit best practices Other Projects and Responsibilities May participate in one or more moderately complex special assignments May serve as a committee team lead for smaller projects or as a committee team member on medium projects Job Qualifications Bachelors degree in related field preferred or equivalent experience 3+ years of auto estimating experience Ability to interact effectively with internal or external customers and act with empathy Applies general knowledge of insurance policy, coverage, and regulation Applies general knowledge of claim processes, policies, procedures, claim systems, coverage, liability, damage estimating, and/or settlement, and adherence to applicable legal compliance standards Applies general industry knowledge to discipline practices, including best practices, to support the business unit Applies general knowledge of analytical procedures to reconcile, manipulate, and recognize patterns of data Applies general knowledge of standardized problem solving and preparation of basic reports for analysis Applies general ability to leverage learned technical skills in support of team objectives Applies general negotiation and/or arbitration skills Applies general conflict management and problem resolution skills in managing internal and external customer relationships Ability to investigate, evaluate, negotiate and settle moderately complex claims Provides individual decision making within authority limits Has and maintains all appropriate licenses and registrations for the role per state requirements Bilingual candidates are encouraged to apply Military candidates are encouraged to apply The candidate(s) offered this position will be required to submit to a background investigation, which includes a drug screen.
* Good Work.
* Good Life.
* Good Hands
* As a Fortune 100 company and industry leader, we provide a competitive salary but thats just the beginning.
* Our Total Rewards package also offers benefits like tuition assistance, medical and dental insurance, as well as a robust pension and 401(k).
* Plus, youll have access to a wide variety of programs to help you balance your work and personal life -- including a generous paid time off policy.
* Learn more about life at Allstate.
* Connect with us on Twitter, Facebook, Instagram and LinkedIn or watch a video.
* Allstate generally does not sponsor individuals for employment-based visas for this position.
* Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component.
* For jobs in San Francisco, please see the notice regarding the San Francisco Fair Chance Ordinance.
* For jobs in Los Angeles, please seethe notice regarding the Los Angeles Ordinance.
* It is the policy of Allstate to employ the best qualified individuals available for all jobs without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity/gender expression, disability, and citizenship status as a veteran with a disability or veteran of the Vietnam Era

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How To Become A Field Adjuster

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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Field Adjuster jobs

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Field Adjuster Demographics

Gender

  • Male

    66.7%
  • Female

    31.2%
  • Unknown

    2.1%

Ethnicity

  • White

    82.2%
  • Hispanic or Latino

    10.3%
  • Asian

    5.4%
  • Unknown

    1.8%
  • Black or African American

    0.4%
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Languages Spoken

  • Spanish

    66.7%
  • Carrier

    8.3%
  • German

    4.2%
  • Albanian

    4.2%
  • French

    4.2%
  • Russian

    4.2%
  • Korean

    4.2%
  • Italian

    4.2%
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Field Adjuster

Unfortunately we don’t have enough data for this section.

Field Adjuster Education

    Schools

    • University of South Florida

      9.2%
    • Florida State University

      6.6%
    • Appalachian State University

      5.3%
    • Southern Illinois University Carbondale

      5.3%
    • University of Central Florida

      5.3%
    • Ohio State University

      5.3%
    • University of North Florida

      5.3%
    • University of Texas at El Paso

      5.3%
    • University of Missouri - Saint Louis

      5.3%
    • University of Phoenix

      5.3%
    • San Diego State University

      5.3%
    • Hillsborough Community College

      5.3%
    • Louisiana State University and A&M College

      3.9%
    • University of Akron

      3.9%
    • Arizona State University

      3.9%
    • Liberty University

      3.9%
    • University of Central Oklahoma

      3.9%
    • Wichita State University

      3.9%
    • East Carolina University

      3.9%
    • Baylor University

      3.9%
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    Degrees

    • Bachelors

      53.0%
    • Other

      22.9%
    • Associate

      9.3%
    • Masters

      8.0%
    • Certificate

      3.7%
    • License

      1.3%
    • Doctorate

      1.1%
    • Diploma

      0.6%
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Field Adjuster

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Top Skills for A Field Adjuster

TotalLossClaimsAutoClaimsPolicyCoverageXactimateCustomerServicePublicAdjustersPropertyDamageClaimsCatastropheBodilyInjuryClaimsInsuranceCompanyContractorsGeneralLiabilityClaimsPropertyOwnersInsuranceCarriersSceneInvestigationsInsuranceClaimsBodyShopsPropertyDamageEstimatesCasualtyClaimsPersonalLines

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Top Field Adjuster Skills

  1. Total Loss Claims
  2. Auto Claims
  3. Policy Coverage
You can check out examples of real life uses of top skills on resumes here:
  • Negotiate and settle total loss claims.
  • Handled product liability, general liability, commercial auto and personal homeowners and auto claims in Western WA.
  • Worked with multiple vendors from beginning to end of the claims process ensuring cost and policy coverage being used efficiently.
  • Handled large and complex losses over $100,000.00 Handled commercial losses Skills Used Xactimate.
  • Elected ambassador of customer service for the national training organization for the last ten years.

Top Field Adjuster Employers