Log In

Log In to Save

Sign Up to Save

Sign Up to Dismiss

or

The email and password you specified are invalid. Please, try again.

Email and password are mandatory

Forgot Password?

Don't have an account? Sign Up

reset password

Enter your email address and we will send you a link to reset your password.

Back to Log In

Become A Property Claims Adjuster

Where do you want to work?

To get started, tell us where you'd like to work.
Sorry, we can't find that. Please try a different city or state.

Working As A Property Claims 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 Claims 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 Claims Adjuster Do At Liberty Mutual

* Investigates, determines coverage of loss and adjusts all elements of Property Loss claims.
* Conducts inspections of loss sites, writes appraisals for dwelling repairs and issues payment to policyholders where possible.
* May work with a Liberty network contractor in the appraisal process.
* Ability to independently scope losses.
* Explains coverage of loss, assists policyholders with itemization of damages, emergency repairs and additional living arrangements.
* Works with and may coordinate a number of vendor services such as contractors, emergency repair, cleaning services and various replacement services.
* Identifies suspicious losses.
* Recommends referral to SIU where appropriate and may assist the SIU in their investigation and settling of the claim.
* May be called upon for catastrophe duty.
* For Catastrophe (CAT) roles, investigative fieldwork includes a high amount of travel to claim location

What Does A Property Claims Adjuster Do At Assurant

* Investigate and adjust claims according to applicable laws and policy provisions.
* Conduct claim investigations including but not limited to recorded statements, securing public records, and analyzing report findings.
* Examine claim forms and other records to confirm coverage for loss or damage.
* Review and audit estimates received and settle claims within prescribed limits of authority.
* Issue payments or deny claim in a timely manner in accordance with policy conditions.
* Effectively negotiate settlements with claimants or their representatives.
* Recognize and document subrogation and salvage opportunities and refer accordingly.
* May be given the more challenging and complex claim activity.
* Build and maintain effective internal and external working relationships.
* Collaborate with internal support teams and management as appropriate.
* Effectively collaborate with various departments and levels in the organization.
* Maintain industry knowledge and operational skills and attend workshops, seminars, and other training sessions as appropriate.
* Handle other duties and projects as requested based on business needs

What Does A Property Claims Adjuster Do At Liberty Mutual

* Conducts a prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin, and extent of loss losses.
* Reviews and utilizes financial statements to adjust complex business interruption losses.
* Conduct on-site appraisal or direct independent adjuster to determine facts relevant causation, damages and exposure.
* Engages and manages consultants as required to assist in determining facts, causation, damages and exposure; monitors the costs to ensure they are reasonable and necessary.
* Establishes and maintains accurate loss cost estimates and reserves for each claim for reporting, financial records, and other purposes.
* Keeps the Insured and others informed about the claim's status with clear, timely and accurate written/oral communications.
* Effectively communicates in writing on moderately complex coverage issues with minimal review and coaching.
* Determines depreciation of claim.
* Affirms or denies coverage of the claim based on the facts and the policy terms and conditions.
* Develops information necessary to make advance, partial and final payments when appropriate.
* Meet time requirements of the policy and fair claims handling practices.
* Effectively negotiate settlement of claims of varying complexity and perils.
* Achieves a prompt, fair and equitable settlement of a claim, where there is policy liability.
* Keeps the electronic claim file properly documented with accurate, clear and timely information and reports that reflects the adjustment activities and substantiates any payments made.
* May participate in quality assurance file review sessions and serve as a technical resource for less experienced claims personnel.
* Provide guidance to inexperienced team members and may act as a mentor to other entry level adjusters.
* Will be called upon for catastrophe duty

Show More

Show Less

How To Become A Property Claims 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.

Show More

Show Less

Property Claims Adjuster jobs

Add To My Jobs

Property Claims Adjuster Demographics

Gender

  • Male

    54.3%
  • Female

    43.7%
  • Unknown

    2.0%

Ethnicity

  • White

    82.2%
  • Hispanic or Latino

    9.9%
  • Asian

    6.2%
  • Unknown

    1.1%
  • Black or African American

    0.6%
Show More

Languages Spoken

  • Spanish

    72.2%
  • Carrier

    8.3%
  • Portuguese

    5.6%
  • German

    5.6%
  • French

    5.6%
  • Vietnamese

    2.8%
Show More

Property Claims Adjuster

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

Property Claims Adjuster Education

    Schools

    • University of Phoenix

      15.6%
    • University of Texas at San Antonio

      7.1%
    • University of South Florida

      6.4%
    • Troy University

      5.7%
    • Texas State University

      5.7%
    • Pennsylvania State University

      5.0%
    • Georgia State University

      5.0%
    • University of Florida

      5.0%
    • Liberty University

      5.0%
    • Arizona State University

      4.3%
    • University of Missouri - Columbia

      4.3%
    • University of Northern Colorado

      3.5%
    • Illinois State University

      3.5%
    • University of Mississippi

      3.5%
    • University of Missouri - Saint Louis

      3.5%
    • Western Washington University

      3.5%
    • Washington State University

      3.5%
    • University of Colorado at Colorado Springs

      3.5%
    • University of Arizona

      3.5%
    • Appalachian State University

      2.8%
    Show More

    Degrees

    • Bachelors

      55.2%
    • Other

      19.3%
    • Masters

      11.4%
    • Associate

      7.7%
    • Certificate

      2.6%
    • License

      1.7%
    • Doctorate

      1.4%
    • Diploma

      0.7%
    Show More

Property Claims Adjuster

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

Job type you want
Full Time
Part Time
Internship
Temporary

Top Skills for A Property Claims Adjuster

PolicyCoveragePropertyLossesLiabilityClaimsCustomerServiceSkillsPropertyDamageClaimsGeneralContractorsPublicAdjustersXactimateCatastropheClaimsAutoClaimsHomeownerLossesPersonalPropertyClaimsInsurancePolicyProcessInsuranceClaimsInsuranceCompanyCustomerSatisfactionTotalLossCoverageIssuesSpecialInvestigationUnitLargeLoss

Show More

Top Property Claims 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:
  • FINANCE: Set reserve limits on the claim, based on policy coverage and limits.
  • Investigated moderate to large property losses using company mandated procedures and deadlines.
  • Supervised/Reviewed all the Zurich, Builder's Risk and Liability claims for Insurance Claims Unlimited, Inc. (ICU).
  • Key Highlights: Claim settlement negotiations with public adjusters Assessment of policy provision coverage Strong interpersonal and customer service skills
  • Investigate, estimate, adjust, negotiate and settle large first and third party property damage claims.

Top Property Claims Adjuster Employers

Property Claims Adjuster Videos

Job Spotlight: Career at USAA-Claims

×