Material damage adjuster vs subrogation specialist

The differences between material damage adjusters and subrogation specialists can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both a material damage adjuster and a subrogation specialist. Additionally, a material damage adjuster has an average salary of $53,724, which is higher than the $52,739 average annual salary of a subrogation specialist.

The top three skills for a material damage adjuster include insurance claims, policy coverage and repair estimates. The most important skills for a subrogation specialist are insurance carriers, arbitration, and subrogation claims.

Material damage adjuster vs subrogation specialist overview

	Material Damage Adjuster	Subrogation Specialist
Yearly salary	$53,724	$52,739
Hourly rate	$25.83	$25.36
Growth rate	-6%	-6%
Number of jobs	28,605	22,219
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 68%	Bachelor's Degree, 55%
Average age	44	44
Years of experience	4	4

Material damage adjuster vs subrogation specialist salary

Material damage adjusters and subrogation specialists have different pay scales, as shown below.

	Material Damage Adjuster	Subrogation Specialist
Average salary	$53,724	$52,739
Salary range	Between $36,000 And $80,000	Between $40,000 And $69,000
Highest paying City	Florence, KY	-
Highest paying state	Alaska	-
Best paying company	Erie Insurance	-
Best paying industry	Insurance	-

Differences between material damage adjuster and subrogation specialist education

There are a few differences between a material damage adjuster and a subrogation specialist in terms of educational background:

	Material Damage Adjuster	Subrogation Specialist
Most common degree	Bachelor's Degree, 68%	Bachelor's Degree, 55%
Most common major	Business	Business
Most common college	SUNY Farmingdale	Stanford University

Material damage adjuster vs subrogation specialist demographics

Here are the differences between material damage adjusters' and subrogation specialists' demographics:

	Material Damage Adjuster	Subrogation Specialist
Average age	44	44
Gender ratio	Male, 61.2% Female, 38.8%	Male, 33.3% Female, 66.7%
Race ratio	Black or African American, 11.6% Unknown, 4.5% Hispanic or Latino, 15.3% Asian, 5.8% White, 62.3% American Indian and Alaska Native, 0.5%	Black or African American, 10.7% Unknown, 4.4% Hispanic or Latino, 16.9% Asian, 5.2% White, 62.2% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between material damage adjuster and subrogation specialist duties and responsibilities

Material damage adjuster example responsibilities.

Apply strong customer service, organizational and multitasking skills to efficiently manage auto insurance claims.
Review files for SIU investigations for all fire and theft losses.
Resolve total loss claims using CCC evaluations for market evaluation of vehicles.
Research and resolve total loss claims, while obtaining reports from CCC.
Create summaries explaining repair cost differences for arbitration purposes.
Research and review delinquent mortgage cases, financial scenarios and individual homeowner situations to develop solutions compliant with investor policy.

Subrogation specialist example responsibilities.

Apply strong customer service, organizational and multitasking skills to efficiently manage auto insurance claims.
Finalize claim settlements, process reimbursement checks and forward unsettled claim files to litigation or arbitration.
Run CCC evaluations to determine vehicle values for proper settlement negotiations.
Claim handling, negotiation and settlements of files within the CCC guidelines.
Review and complete title and DMV transfer forms to process and dispose salvage vehicles.
Assist auto owners with salvage title guidelines respective to their state DMV's rules.

Material damage adjuster vs subrogation specialist skills

Common material damage adjuster skills

Insurance Claims, 21%
Policy Coverage, 19%
Repair Estimates, 7%
ISO, 6%
Customer Service, 5%
Police Reports, 5%

Common subrogation specialist skills

Insurance Carriers, 15%
Arbitration, 10%
Subrogation Claims, 7%
Litigation, 6%
Workers Compensation, 6%
Liability Claims, 6%

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Material Damage Adjuster
Material Damage Adjuster vs Subrogation Specialist

Updated January 8, 2025

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