Insurance appraiser vs claims representative

The differences between insurance appraisers and claims representatives can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 2-4 years to become an insurance appraiser, becoming a claims representative takes usually requires 4-6 years. Additionally, an insurance appraiser has an average salary of $53,229, which is higher than the $38,796 average annual salary of a claims representative.

The top three skills for an insurance appraiser include windows, CCC and insurance appraisals. The most important skills for a claims representative are customer service, quality standards, and policy coverage.

Insurance appraiser vs claims representative overview

	Insurance Appraiser	Claims Representative
Yearly salary	$53,229	$38,796
Hourly rate	$25.59	$18.65
Growth rate	-6%	-6%
Number of jobs	34,724	18,565
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 48%	Bachelor's Degree, 62%
Average age	44	44
Years of experience	4	6

What does an insurance appraiser do?

An appraiser is responsible for assessing a client's personal property, such as homes, cars, or jewelry. They provide an impartial and unbiased judgment about the property's value, assisting clients who wish to buy, sell, manage, and invest money. Usually, they work with an adjuster and conduct repairs or replacements of products.

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.

Insurance appraiser vs claims representative salary

Insurance appraisers and claims representatives have different pay scales, as shown below.

	Insurance Appraiser	Claims Representative
Average salary	$53,229	$38,796
Salary range	Between $37,000 And $74,000	Between $28,000 And $53,000
Highest paying City	-	Dearborn, MI
Highest paying state	-	New Jersey
Best paying company	-	W. R. Berkley
Best paying industry	-	Government

Differences between insurance appraiser and claims representative education

There are a few differences between an insurance appraiser and a claims representative in terms of educational background:

	Insurance Appraiser	Claims Representative
Most common degree	Bachelor's Degree, 48%	Bachelor's Degree, 62%
Most common major	Business	Business
Most common college	University of Pennsylvania	Stanford University

Insurance appraiser vs claims representative demographics

Here are the differences between insurance appraisers' and claims representatives' demographics:

	Insurance Appraiser	Claims Representative
Average age	44	44
Gender ratio	Male, 79.0% Female, 21.0%	Male, 37.5% Female, 62.5%
Race ratio	Black or African American, 11.3% Unknown, 4.4% Hispanic or Latino, 15.9% Asian, 5.6% White, 62.2% American Indian and Alaska Native, 0.5%	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%
LGBT Percentage	10%	10%

Differences between insurance appraiser and claims representative duties and responsibilities

Insurance appraiser example responsibilities.

Provide detailed written reviews of residential properties ensuring USPAP guidelines, federal regulatory requirements and lender appraisal guidelines are met.
Perform appraisals on business personal property as well as residential and commercial properties for taxation purposes.

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.

Insurance appraiser vs claims representative skills

Common insurance appraiser skills

Windows, 94%
CCC, 2%
Insurance Appraisals, 1%
Sketch, 1%
Automotive Repair, 1%
Insurance Forms, 0%

Common claims representative skills

Customer Service, 26%
Quality Standards, 6%
Policy Coverage, 6%
Reservations, 5%
Claims Handling, 3%
Insurance Coverage, 3%

Insurance Appraiser vs. similar jobs

Insurance Appraiser related careers

Insurance Appraiser related jobs

What similar roles do

Zippia Careers
Business and Financial Industry
Insurance Appraiser
Insurance Appraiser vs Claims Representative

Updated January 8, 2025

Browse business and financial jobs