How to hire a field adjuster

How to hire a field adjuster, step by step

Here's a step-by-step field adjuster hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a field adjuster job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new field adjuster
• Step 8: Go through the hiring process checklist

What does a field adjuster do?

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1. Identify your hiring needs

   The field adjuster hiring process starts by determining what type of worker you actually need. Certain roles might require a full-time employee, whereas part-time workers or contractors can do others.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   Hiring the perfect field adjuster also involves considering the ideal background you'd like them to have. Depending on what industry or field they have experience in, they'll bring different skills to the job. It's also important to consider what levels of seniority and education the job requires and what kind of salary such a candidate would likely demand.

   Here's a comparison of field adjuster salaries for various roles:

   Type of Field Adjuster	Description	Hourly rate
   Field Adjuster	Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much... Show more	$18-36
   Insurance Examiner	A claims examiner is responsible for conducting a claim review of a client against a particular insurance company-usually a health and life insurance company. An examiner must review claims and then approve them, reject them, or develop a possible settlement... Show more	$16-36
   Insurance Investigator	A claims investigator is responsible for examining and investigating in a particular insurance claim is valid. They ensure that the insurance company will settle claims as soon as possible... Show more	$12-29

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Xactimate
   • Strong Negotiation
   • Insurance Policies
   • Claims Handling
   • CCC
   • Physical Damage
   • Policy Coverage
   • Litigation
   • Insurance Coverage
   • Excellent Time Management
   • Reservations
   • ALE
   • Coverage Analysis

   Check all skills

   Responsibilities:

   • Manage and dispose of claims in litigation by preparing and developing strategy with defense counsel and consensus relative to litigation handling.
   • Provide optimum service to policyholders and agents, negotiate fair settlements and identify SIU claims.
   • Process boat, auto, motorcycle, and motorhome RV claims thru various estimating software.
   • Participate in development of claim handling strategies for mediation claims with home office personnel and attorneys.
   • Work closely with SIU in the handling of 1st party auto theft claims from initiation to completion.
   • Coordinate inspections with insure, this entail booking flights, hotel and rental reservations all while considering the overall cost.

   More field adjuster duties

3. Make a budget

   Including a salary range in the field adjuster job description is a good way to get more applicants. A field adjuster salary can be affected by several factors, such as the location of the job, the level of experience, education, certifications, and the employer's prestige.

   For example, the average salary for a field adjuster in Wyoming may be lower than in Alaska, and an entry-level engineer typically earns less than a senior-level field adjuster. Additionally, a field adjuster with lots of experience in the field may command a higher salary as a result.

   Average field adjuster salary

   $54,120yearly

   $26.02 hourly rate

   ---

   Entry-level field adjuster salary

   $38,000 yearly salary

   Updated December 13, 2025

   Average field adjuster salary by state

   Rank	State	Avg. salary	Hourly rate
   1	California	$65,608	$32
   2	Washington	$61,348	$29
   3	North Carolina	$60,576	$29
   4	New Jersey	$60,047	$29
   5	Connecticut	$59,796	$29
   6	Massachusetts	$58,886	$28
   7	New York	$58,266	$28
   8	New Hampshire	$56,714	$27
   9	Pennsylvania	$56,554	$27
   10	Colorado	$55,928	$27
   11	Texas	$53,816	$26
   12	Minnesota	$53,019	$25
   13	Florida	$53,007	$25
   14	Illinois	$52,462	$25
   15	Ohio	$51,394	$25
   16	Georgia	$51,131	$25
   17	Indiana	$50,634	$24
   18	Michigan	$49,571	$24
   19	New Mexico	$49,206	$24
   20	Arizona	$49,055	$24

   Average field adjuster salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	Zurich	$75,624	$36.36	21
   2	State Auto Insurance	$64,741	$31.13
   3	Kemper	$63,696	$30.62	17
   4	Munich Reinsurance America, Inc.	$60,826	$29.24	2
   5	Raphael & Associates	$59,956	$28.82	4
   6	American Family Insurance	$58,905	$28.32	13
   7	Progressive	$58,392	$28.07	65
   8	Universal Insurance Holdings	$58,013	$27.89	5
   9	Gallagher	$57,909	$27.84
   10	Chubb	$57,012	$27.41	20
   11	Pacific Specialty Insurance	$56,010	$26.93	8
   12	National General Insurance	$54,023	$25.97
   13	RYZE Claim Solutions	$53,846	$25.89	14
   14	Berkshire Hathaway	$53,374	$25.66	53
   15	USAA	$53,045	$25.50	60
   16	Allstate	$53,029	$25.49	130
   17	Amica Insurance	$51,515	$24.77	2
   18	Charles Taylor	$51,425	$24.72	1
   19	Security	$48,381	$23.26
   20	North Carolina Farm Bureau Mutual Insurance	$47,809	$22.99	2

4. Writing a field adjuster job description

   A good field adjuster job description should include a few things:

   • Summary of the role
   • List of responsibilities
   • Required skills and experience

   Including a salary range and the first name of the hiring manager is also appreciated by candidates. Here's an example of a field adjuster job description:

   Field adjuster job description example

   Our Independent Catastrophe Adjusters are (1099) contractors that resolve property losses by investigating and evaluating weather related claims pursuant to our client partners claims handling best practices. Our Catastrophe Adjusters are focused on providing accurate estimates and white-glove customer service.

   
   

   Qualifications:

   Minimum of two (02) of residential and / or commercial field adjusting experience for property losses.

   Ability to travel with limited notice and remain on location for a minimum of three weeks per deployment at adjuster’s own expense.

   Active adjusters license in home state, designated home state or other state.

   Strong communication and customer service skills.

   A valid driver’s license in adjuster’s state of residence, a reliable vehicle and proof of auto insurance.

   Must possess the necessary tools (ladder, laptop, cell phone, etc.) required to handle property losses.

   Proficient in Xactimate, Xactware and Symbility software programs.

   Possess knowledge of insurance policies with ability to interpret coverage and apply based on merits of individual loss.

   Committed to protecting company reputation through dedication to providing exceptional customer service to our client partners and their policyholders.

   Responsibilities:

   Make initial contact with the policyholder within twenty four (24) hours of receiving assignment.

   
   

   Complete the inspection within seven (07) days of receiving the assignment.

   
   

   Complete a closing report with estimate for the undisputed damages within twenty-four (24) hours of completing the inspection.

   
   

   Prepare supplements or requests for revisions within twenty four (24) hours of receiving the request for further handling.

   
   

   Provide exception customer service throughout the entire claims process.

   
   

   Willingness to participate in annual certification training regarding client’s best practices.

   
   

   Physical Requirements:

   Ability to climb ladders, access attics, crawlspaces, and roofs.

   
   

   Ability to stoop, kneel, crouch, stand, sit, and walk.

   
   

   Ability to lift up to forty (40) pounds.

   
   RYZE offers top of the market commission rates to those experienced catastrophe adjusters with a true dedication to professionalism and exceptional customer service. At RYZE our field adjusters are not just a name or number on a roster. We realize that people are our most valuable resource. RYZE is dedicated to building personal relationships with our field adjusters, which mature into long term partnerships. At RYZE, our reputation matters, and so do our people. Become part of something special by becoming a member of the RYZE Catastrophe Response Team.

   Copy this example

   

5. Post your job

   There are various strategies that you can use to find the right field adjuster for your business:

   • Consider promoting from within or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to find candidates who meet your education requirements.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to reach potential job candidates.

   Post your job online:

   • Post your field adjuster job on Zippia to find and recruit field adjuster candidates who meet your exact specifications.
   • Use field-specific websites.
   • Post a job on free websites.

6. Interview candidates

   To successfully recruit field adjusters, your first interview needs to engage with candidates to learn about their interest in the role and experience in the field. You can go into more detail about the company, the role, and the responsibilities during follow-up interviews.

   It's also good to ask about candidates' unique skills and talents to see if they match your ideal candidate profile. If you think a candidate is good enough for the next step, you can move on to the technical interview.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new field adjuster

   Once you've found the field adjuster candidate you'd like to hire, it's time to write an offer letter. This should include an explicit job offer that includes the salary and the details of any other perks. Qualified candidates might be looking at multiple positions, so your offer must be competitive if you like the candidate. Also, be prepared for a negotiation stage, as candidates may way want to tweak the details of your initial offer. Once you've settled on these details, you can draft a contract to formalize your agreement.

   It's also good etiquette to follow up with applicants who don't get the job by sending them an email letting them know that the position has been filled.

   Once that's done, you can draft an onboarding schedule for the new field adjuster. Human Resources should complete Employee Action Forms and ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc. They should also ensure that new employee files are created for internal recordkeeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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