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Become A Property Adjuster

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Working As A Property Adjuster

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

  • Mostly Sitting

  • Make Decisions

  • Stressful

  • $74,350

    Average Salary

What Does A Property Adjuster Do At Nationwide

* 1. Promptly and effectively handles to conclusion all assigned claims with little to no direction and oversight.
* Makes decisions within delegated authority as outlined in company policies and procedures.
* Adheres to high standards of professional conduct consistent with the delivery of superior service
* Determines proper policy coverages and applies best claims practices to conclude assigned cases in accordance with company guidelines.
* Adheres to high standards of professional conduct while providing delivery of superior claims service
* Opens, closes and adjusts reserves in accordance with company practices designed to ensure reserve adequacy.
* Recommends Special Reserves where necessary.
* In accordance with Corporate Reserving Guidelines.
* Adheres to file conferencing notification and authority procedures
* Maintains current knowledge of insurance and applicable product/services; court decisions which may impact the claims function; current guidelines in the claims function; and policy changes and modifications.
* This may require attendance at various seminars and/or training sessions
* Maintains current knowledge of local industry repair procedures and local market pricing
* Submits severe incident reports, reinsurance reports and other information to claims management as needed
* Partners with SIU and Subrogation to identify fraud and subrogation opportunities.
* Assists or prepares files for suit, trial, or subrogation. (Property/MD/Casualty)
* Initiates and conducts follow-ups via proficient use of the claims systems and other related business systems
* Delivers a positive On
* Your
* Side customer service experience to all internal, external, current and prospective Nationwide customers
* Adheres to high standards of professional conduct while providing delivery of superior claims service
* Other duties as assigned

What Does A Property Adjuster Do At Allstate Insurance

* Customer ServiceMakes 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 metFile Documentation and ReportingDocuments a claim file with notes, evaluations and decision making processHandles first notice of loss of water damage claimsCoverage, Liability and EvaluationInvestigates, reviews, determines and verifies basic and occasionally moderately complex coverage/policy informationProvides coverage explanation to customerDamage EstimatingCompletes and reviews contents inventory, contents pricing, and mitigation billsHandles additional living expense claimsPrepares damage estimates for moderately complex claimsNotifies insured of exposure over the policy limitAdheres to applicable compliance standardsOther Projects and ResponsibilitiesMay conduct subrogation investigationsMay serve on a committee or project as appropriateMay participate in one or more basic or occasionally moderately complex special assignmentsJob QualificationsBachelors degree in related field preferred or equivalent experienceAbility to interact effectively with internal or external customers and act with empathyApplies general and occasionally broad knowledge of insurance policy, coverage, and regulationApplies general and occasionally broad knowledge of claim processes, policies, procedures, claim systems, coverage, liability, damage estimating, and/or settlement, and adherence to applicable legal compliance standardsApplies general and occasionally broad industry knowledge to discipline practices, including best practices, to support the business unitApplies general and occasionally broad knowledge of analytical procedures to reconcile, manipulate, and recognize patterns of dataApplies general and occasionally broad knowledge of problem solving and preparation of reports for analysisApplies general and occasionally broad ability to leverage learned technical skills in support of team objectivesApplies general and occasionally broad negotiation and/or arbitration skillsApplies general and occasionally broad conflict management and problem resolution skills in managing internal and external customer relationshipsApplies general and occasionally broad problem solving skills to continuously improve business outcomesAbility to investigate, evaluate, negotiate and settle moderately complex and occasionally complex claimsProvides individual decision making within authority limitsHas and maintains all appropriate licenses and registrations for the role per state requirementsThe 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
* ABC Associated topics: adjuster, auto, automobile, bodily, casualty, claim investigator, insurance, insurance investigator, investigate

What Does A Property Adjuster Do At Combined Insurance

* Large Loss Handling in New Jersey (this would be a region wide position – so anywhere in the Northeast or Southeast etc).
* This individual will report directly into the Assistant Vice President of Large Loss Property Claims.
* The position will have regular interaction with other functional disciplines at both a corporate and claim region level.
* Key responsibilities and essential skills are listed below.
* KEY RESPONSIBILITIES AND ESSENTIAL FUNCTIONS
* Large Loss:
* Handle 3 to 5 new/transferred large personal lines and commercial lines losses per month with loss exposure of $250,000 to $5M .
* Properly scope and estimate large loss exposures.
* Negotiate settlements with insured in accordance with recommended best practices guidelines and limits of authority.
* Coordinate with lead adjusters/managers on pending claim files requiring additional investigation, confirmation of coverage on our largest claims
* Assist in handling claims, when necessary, during CAT execution.
* Assist in overseeing contractor referral program, including re-inspections and quality reviews.
* Provide leadership/coaching to the local region as a senior level field representative.
* Manage preferred vendors, which includes driving continuous quality improvement.
* LOGISTICS:
* Travel estimated at 50% of the time to visit loss sites and perform re-inspections.
* The position will report to the Assistant Vice President of Large Loss Property Claims

What Does A Property Adjuster Do At Allstate Insurance

* Investigating, evaluating, and negotiating claims, in order to reach a fair and equitable settlement Using compassionate communication and persuasive negotiation to ensure a positive customer experience Working well with others in a fast-paced, collaborative environment Achieving targeted performance goals to manage costs and support Allstate's industry-leading operational standards Job Qualifications Four-year college degree preferred, plus two years--- experience delivering outstanding customer service Excellent written and verbal communication skills with a passion for helping others Strong organizational and computer skills Ability to be a self-starter and work independently Persistence and the ability to work through and solve problems Bilingual candidates are strongly encouraged to apply Military candidates are strongly 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 Property 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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Property Adjuster jobs

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Property Adjuster Demographics

Gender

  • Male

    63.5%
  • Female

    33.8%
  • Unknown

    2.8%

Ethnicity

  • White

    82.0%
  • Hispanic or Latino

    10.0%
  • Asian

    6.4%
  • Unknown

    1.1%
  • Black or African American

    0.6%
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Languages Spoken

  • Spanish

    61.1%
  • Carrier

    11.1%
  • German

    5.6%
  • French

    5.6%
  • Portuguese

    2.8%
  • Albanian

    2.8%
  • Greek

    2.8%
  • Mandarin

    2.8%
  • Italian

    2.8%
  • Russian

    2.8%
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Property Adjuster

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

Property Adjuster Education

    Schools

    • University of Phoenix

      13.6%
    • University of Texas at Arlington

      7.6%
    • Texas State University

      5.9%
    • University of North Texas

      5.1%
    • Southeastern Louisiana University

      5.1%
    • University of Georgia

      5.1%
    • Liberty University

      5.1%
    • Ball State University

      5.1%
    • University of Akron

      4.2%
    • Middle Tennessee State University

      4.2%
    • Pennsylvania State University

      4.2%
    • Georgia State University

      4.2%
    • West Virginia University

      4.2%
    • University of South Alabama

      4.2%
    • University of Oregon

      4.2%
    • Oklahoma State University

      4.2%
    • University of Tennessee - Knoxville

      3.4%
    • Ashford University

      3.4%
    • Arizona State University

      3.4%
    • Southern Illinois University Carbondale

      3.4%
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    Degrees

    • Bachelors

      53.4%
    • Other

      23.4%
    • Masters

      10.2%
    • Associate

      7.5%
    • Doctorate

      2.2%
    • Certificate

      1.8%
    • License

      1.4%
    • Diploma

      0.3%
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Property Adjuster

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Top Skills for A Property Adjuster

PolicyCoveragePropertyLossesLiabilityClaimsPropertyDamageClaimsXactimatePublicAdjustersCustomerServiceAutoClaimsCatastropheAccurateScopeInsuranceCompanyInsuranceClaimsClaimsProcessIndependentAdjustersStateFarmLargeLossInsuranceCarriersTheftBodilyInjuryClaimsInsurancePolicy

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Top Property Adjuster Skills

  1. Policy Coverage
  2. Property Losses
  3. Liability Claims
You can check out examples of real life uses of top skills on resumes here:
  • Review claims reports and estimates from field adjusters and make policy coverage decisions.
  • Handled primarily commercial property losses for a dedicated client.
  • Worked for major independent adjusting company handling property and auto liability claims.
  • Increased organizational and customer service skills while negotiating and settling auto property damage claims.
  • Worked as an independent adjuster for Hurricane Irene and Sandy using xactimate to write residential and commercial claims.

Top Property Adjuster Employers

Property Adjuster Videos

Job Spotlight: Career at USAA-Claims

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