How to hire an insurance adjuster

How to hire an insurance adjuster, step by step

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

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

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1. Identify your hiring needs

   Before you post your insurance adjuster job, you should take the time to determine what type of worker your business needs. While certain jobs definitely require a full-time employee, it's sometimes better to find an insurance adjuster for hire on a part-time basis or as a contractor.

   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 insurance 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.

   This list presents insurance adjuster salaries for various positions.

   Type of Insurance Adjuster	Description	Hourly rate
   Insurance 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	$19-38
   Claims Representative	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... Show more	$13-25
   Claims Supervisor	A claims supervisor is in charge of overseeing the workflow and the workforce involved in processing insurance claims, ensuring accuracy and smooth progress. Their responsibilities typically revolve around liaising with key clients and third party agencies, assisting staff in negotiating terms, verifying the authenticity and completeness of all applications, monitoring the finances, and resolving complex issues... Show more	$23-56

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Insurance Policies
   • Customer Service
   • Liability Claims
   • Auto Claims
   • Catastrophe Claims
   • Public Adjusters
   • Bodily Injury Claims
   • Insurance Coverage
   • Insurance Carriers
   • State Farm Insurance
   • Policy Holders
   • Property Loss
   • Police Reports
   • Independent Insurance

   Check all skills

   Responsibilities:

   • Achieve targeted performance goals in every aspect to manage costs and support Allstate's industry-leading operational standards.
   • Manage and dispose of claims in litigation by preparing and developing strategy with defense counsel and consensus relative to litigation handling.
   • Train in Xactimate estimation and sketch programs.
   • Manage and dispose of claims in litigation by preparing and developing strategy with defense counsel and consensus relative to litigation handling.
   • Skil in complex arbitration and mediation negotiations.
   • Recommend files for arbitration or litigation base on evidence available and inability to compromise with adverse party.

   More insurance adjuster duties

3. Make a budget

   Including a salary range in your insurance adjuster job description helps attract top candidates to the position. An insurance adjuster salary can be affected by several factors, such as geography, experience, seniority, certifications, and the prestige of the hiring company.

   For example, the average salary for an insurance adjuster in North Dakota may be lower than in New Jersey, and an entry-level insurance adjuster usually earns less than a senior-level insurance adjuster. Additionally, an insurance adjuster with certifications may command a higher salary, and working for a well-known company or start-up may also impact an employee's pay.

   Average insurance adjuster salary

   $57,315yearly

   $27.56 hourly rate

   ---

   Entry-level insurance adjuster salary

   $40,000 yearly salary

   Updated January 20, 2026

   Average insurance adjuster salary by state

   Rank	State	Avg. salary	Hourly rate
   1	Maryland	$64,594	$31
   2	California	$63,439	$31
   3	New York	$62,588	$30
   4	Puerto Rico	$59,603	$29
   5	Wisconsin	$58,826	$28
   6	Georgia	$55,421	$27
   7	Texas	$53,813	$26
   8	Florida	$53,216	$26

   Average insurance adjuster salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	Cunningham Lindsey	$62,022	$29.82
   2	Munich Reinsurance America, Inc.	$61,250	$29.45	12
   3	American Family Insurance	$61,047	$29.35	16
   4	Ernst & Young	$60,191	$28.94	218
   5	Axis	$56,347	$27.09	1
   6	Bill Howe Plumbing, Heating & Air, Restoration & Flood Services	$54,163	$26.04
   7	Randstad North America, Inc.	$53,053	$25.51	10
   8	GEICO	$52,590	$25.28	90
   9	R.M. Schulte & Associates	$51,893	$24.95
   10	Rural Mutual Insurance	$47,578	$22.87	22

4. Writing an insurance adjuster job description

   A good insurance 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 an insurance adjuster job description:

   Insurance adjuster job description example

   • Manage the customer and client experience and overall customer satisfaction tracked with online reviews
   • Provide priority response to potential customers
   • Ensure an accurate scope of work for projects and prepare estimates utilizing computer hardware and proprietary software
   • Negotiate customer and/or client approval of project scope and estimate
   • Schedule, coordinate and oversee crews and resources to provide service on active projects including subcontractors
   • Review job site documentation to support the services provided and ensure proper client requirements and billing process
   • Maintain written communication with customers, teammates, vendors, and insurance representatives
   • Manage production expenses including equipment, vehicles, and other material assets
   • Follow and oversee safe work practices and adherence to safety and risk management guidelines at all times

   
   
   Position Requirements
   

   • Effective written and oral communication with intermediate math and computer skills
   • Experience in cleaning/restoration preferred
   • High school diploma/GED
   • IICRC certifications preferred, Xactimate® experience a PLUS!
   • Valid drivers license required
   • Ability to lift a minimum of 50 pounds regularly, occasionally up to 100 pounds with assistance
   • Ability to climb ladders, work at ceiling heights, work in tight spaces (e.g., crawl spaces, attics)
   • Ability to sit/stand/walk for prolonged periods of time
   • Ability to repetitively push/pull/lift/carry objects
   • Ability to work with/around cleaning products/chemicals
   • Ability to travel locally and out of state when necessary
   • Ability to successfully complete a background check subject to applicable law

   
   
   Pay Rate
   
   Competitive salary based on experience.
   
   All employees of a SERVPRO Franchise are hired by, employed by, and under the sole supervision and control of an independently owned and operated Servpro Franchise. Servpro Franchise employees are not employed by, jointly employed by, agents of or under the supervision or control of Servpro Industries, LLC or Servpro Franchisor, LLC (the Franchisor), in any manner whatsoever. All Sample Forms provided by Servpro Industries to Servpro Franchises should be reviewed and approved by the Franchise's attorney for compliance with Federal, State, and Local laws. All Sample Forms are provided for informational purposes and Servpro Franchises may choose whether or not to use them.
   
   Each SERVPRO® Franchise is Independently Owned and Operated. Revised 10/20
   
   We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
   
   PICTURE YOURSELF HERE
   FULFILLING YOUR POTENTIAL
   
   At SERVPRO of South Chicago, Team Zubricki, you have the opportunity to make a positive difference in the lives of people around you each and every day. We are seeking individuals who are self-motivated, proactive, responsible, and service-oriented teammates. Please join us in our mission to help our customers in their greatest moments of need. If you are highly dependable and excited about exceeding expectations, then you may be just the person we're looking for. Please search for a franchise near you to explore the opportunities waiting for you at SERVPRO. We look forward to hearing from you.
   
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   BENEFITS
   
   We are proud to offer generous benefits to all eligible full time staff. Our benefits include the following:
   
   

   • Paid Vacation Time
   • Paid Holidays
   • Group Health, Vision, and Dental
   • 401(k) Plan (Employer Match).

   
   
   All employees of a SERVPRO® Franchise are hired by, employed by, and under the sole supervision and control of an independently owned and operated SERVPRO® Franchise. SERVPRO® Franchise employees are not employed by, jointly employed by, agents of, or under the supervision or control of Servpro Franchisor, LLC, in any manner whatsoever.

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5. Post your job

   To find the right insurance adjuster for your business, consider trying out a few different recruiting strategies:

   • Consider internal talent. One of the most important sources of talent for any company is its existing workforce.
   • Ask for referrals. Reach out to friends, family members, and current employees and ask if they know or have worked with insurance adjusters they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit insurance adjusters who meet your education requirements.
   • Social media platforms. LinkedIn, Facebook and Twitter now have more than 3.5 billion users, and you can use social media to reach potential job candidates.

   Post your job online:

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

6. Interview candidates

   To successfully recruit insurance 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.

   Remember to include a few questions that allow candidates to expand on their strengths in their own words. Asking about their unique skills might reveal things you'd miss otherwise. At this point, good candidates 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 insurance adjuster

   Once you've selected the best insurance adjuster candidate for the job, it's time to write an offer letter. In addition to salary, this letter should include details about the benefits and perks you offer the candidate. Ensuring that your offer is competitive is essential, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and you should be open to discussion. After you reach an agreement, the final step is formalizing the agreement with a contract.

   It's equally important to follow up with applicants who don't get the job with an email letting them know that the position has been filled.

   Once that's done, you can draft an onboarding schedule for the new insurance 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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