How to hire a property claims adjuster

How to hire a property claims adjuster, step by step

Here's a step-by-step property claims adjuster hiring guide:

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

What does a property claims adjuster do?

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1. Identify your hiring needs

   The property claims adjuster hiring process starts by determining what type of worker you actually need. Certain roles might require a full-time employee, whereas part-time workers or contractors can do others.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   A property claims adjuster's background is also an important factor in determining whether they'll be a good fit for the position. For example, property claims adjusters from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

   The following list breaks down different types of property claims adjusters and their corresponding salaries.

   Type of Property Claims Adjuster	Description	Hourly rate
   Property Claims 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	$18-35
   Insurance Examiner	A claims examiner is responsible for conducting a claim review of a client against a particular insurance company-usually a health and life insurance company. An examiner must review claims and then approve them, reject them, or develop a possible settlement... Show more	$16-36
   Field Investigator	A field investigator is responsible for collecting information and evidence to support ongoing investigations of law enforcement agencies. Field investigators analyze the occurrence and connections of criminal activities by gathering related cases and coordinating with scene witnesses... Show more	$11-24

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Claims Handling
   • Xactimate
   • Strong Customer Service
   • Damage Estimates
   • Policy Coverage
   • Commercial Property
   • Coverage Issues
   • Excellent Time Management
   • Property Losses
   • Reservations
   • Insurance Coverage
   • Litigation
   • State Regulations

   Check all skills

   Responsibilities:

   • Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures
   • Offer diligent investigations and evaluation of commercial and third party liability claims, investigative and litigation management.
   • Represent the insurance company in an arbitration settlement in NYC.
   • Write denial letters, reservations of rights letters, and other complex correspondence.
   • Recognize potentially fraudulent claims, utilizes SIU and other sources as needed, consults with management.
   • Negotiate with attorneys, order police reports, assist with the SIU department for possible fraud claims.

   More property claims adjuster duties

3. Make a budget

   Including a salary range in your property claims adjuster job description is one of the best ways to attract top talent. A property claims adjuster can vary based on:

   • Location. For example, property claims adjusters' average salary in louisiana is 36% less than in new jersey.
   • Seniority. Entry-level property claims adjusters 47% less than senior-level property claims adjusters.
   • Certifications. A property claims adjuster with certifications usually earns a higher salary.
   • Company. Working for an established firm or a new start-up company can make a big difference in a property claims adjuster's salary.

   Average property claims adjuster salary

   $54,520yearly

   $26.21 hourly rate

   ---

   Entry-level property claims adjuster salary

   $39,000 yearly salary

   Updated January 20, 2026

   Average property claims adjuster salary by state

   Rank	State	Avg. salary	Hourly rate
   1	New Jersey	$67,869	$33
   2	California	$66,210	$32
   3	Massachusetts	$63,745	$31
   4	Pennsylvania	$62,690	$30
   5	Rhode Island	$61,003	$29
   6	Missouri	$60,012	$29
   7	New York	$59,294	$29
   8	Oregon	$58,012	$28
   9	Texas	$55,445	$27
   10	Washington	$55,330	$27
   11	Wisconsin	$54,372	$26
   12	Ohio	$54,233	$26
   13	Nevada	$53,923	$26
   14	Georgia	$53,872	$26
   15	Minnesota	$53,438	$26
   16	South Carolina	$51,013	$25
   17	Arizona	$50,578	$24
   18	Colorado	$49,638	$24
   19	Nebraska	$48,850	$23
   20	Illinois	$48,472	$23

   Average property claims adjuster salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	EMC Insurance	$83,811	$40.29	4
   2	The Travelers Companies	$78,366	$37.68	167
   3	Great American Insurance	$76,858	$36.95	132
   4	Argo Group	$75,450	$36.27	47
   5	Tower Hill Insurance	$74,613	$35.87	2
   6	State Auto Insurance	$65,058	$31.28
   7	Mercury Insurance	$63,078	$30.33	4
   8	Lear	$62,132	$29.87
   9	Sedgwick LLP	$61,847	$29.73	1,596
   10	Liberty Mutual Insurance	$59,601	$28.65	165
   11	GuideOne Insurance	$59,577	$28.64	24
   12	Grinnell Mutual	$59,167	$28.45	1
   13	Munich Reinsurance America, Inc.	$59,079	$28.40	9
   14	American Family Insurance	$58,436	$28.09	13
   15	Progressive	$57,058	$27.43	74
   16	Federated Insurance	$57,049	$27.43	10
   17	Gallagher	$56,483	$27.16	2
   18	Allianz Life	$56,202	$27.02	9
   19	Pacific Specialty Insurance	$55,896	$26.87	1
   20	Glatfelter Insurance Group	$55,251	$26.56	13

4. Writing a property claims adjuster job description

   A property claims adjuster job description should include a summary of the role, required skills, and a list of responsibilities. It's also good to include a salary range and the first name of the hiring manager. Below, you can find an example of a property claims adjuster job description:

   Property claims adjuster job description example

   We come from humble beginnings — picture a one-person organization created in 1949 to advocate for excellence in public education on behalf of Texas school board members. Flash forward to today, and we have over 500 employees working together to provide 1,024 school districts with purposeful resources so they can focus on what matters most — excellent and equitable education for all 5.4 million Texas students. At TASB, the motto has always been “expert help from friendly people,” which makes it easy to see how we’ve maintained 100% membership across all Texas school boards for 32 years and counting. We combine a strong sense of tradition with innovation, and our mission — educational excellence for all Texas schoolchildren through advocacy, visionary leadership, and high-quality services to school districts — has played out in transformative ways.

   Why Texas Association of School Boards (TASB)

   As TASBeans (our internal name for employees), we feel privileged to work alongside talented team-members who are passionate about education and enjoy learning from new and different perspectives. We believe what makes our organization highly successful is the rich diversity our employees collectively bring to TASB with different backgrounds, skillsets, cultures and ethnicities, gender identities, interests, abilities, and work styles. And our passion for education and learning doesn’t end there. Our culture has always encouraged employees to grow and become their best selves both professionally and personally through a variety of innovative and collaborative development opportunities. You’re likely beginning to see why we’ve been regularly named by Austin Business Journal as a Top Ten Best Places to Work since 2009! But there’s more…

   TASB offers competitive pay, rich benefits (including retirement matching of 2:1 up to 5% after one year. This means that if you contribute 5% to the plan, TASB will contribute 10%), onsite daycare, gym, fitness classes, dry-cleaning services, tuition reimbursement, remote work options, flexible schedules, and more.

   Every role at TASB thoughtfully complements our mission and the educational impact being made in communities across Texas. If you consider your work exceptional and want to help drive our mission forward, keep reading!

   About You

   As a Property Adjuster, you have a high level of engagement in providing claims services to our members. You will be responsible for investigating coverage and losses, evaluate damages, set and maintain reserves, settle and reconcile complex commercial property physical damage claims involving TASB Risk Management Fund members.

   A Typical Day

   · Investigate coverage and losses, evaluate damages, set reserves and issue claim settlement payments on commercial property losses of moderate to high complexity.

   · Explain coverages and assist Fund members with itemization of damages, damage mitigation and emergency repairs.

   · Review facts of an incident, create or review damage estimates, photos, videos and other evaluation documents to assess scope of loss and covered amounts.

   · If you’re still reading, we’d love to meet you!

   How You’ll Make an Impact

   · Assist our members in their recovery after a major property loss.

   Skills For Success

   · Excellent customer service and interpersonal skills.

   · Advanced knowledge of insurance industry practices and experience with Xactimate and XactAnalysis required.

   · Excellent oral and written communication skills.

   · Proficiency with computers, claims systems, Microsoft Office products, and the internet.

   · Able to work independently and self-motivated.

   The TASB Difference

   · Enjoy competitive pay and rich benefit offerings.

   · Be part of a collaborative environment where every contribution impacts Texas public schoolchildren.

   · Thrive in a culture that promotes bringing your whole self to work every day and emphasizes healthy boundaries and work-life balance.

   · Learn and grow individually and together through frequent professional development; diversity, equity, and inclusion panels; wellness seminars; and more.

   · Work alongside transparent leaders with an open and consistent feedback approach.

   · Celebrate as a team with meaningful (and fun) events and tokens of appreciation throughout the year.

   Posting Notices

   · TASB is an equal opportunity employer and will not discriminate on the basis of an individual's race, color, disability, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, age, marital status, veteran status, or any other personal characteristic protected by law.

   · This position does not qualify for visa sponsorship.

   · Any job offer is contingent upon receipt of results of a satisfactory background check.

   Copy this example

   

5. Post your job

   There are a few common ways to find property claims adjusters for your business:

   • Promoting internally or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to meet candidates with the right educational background.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to recruit passive job-seekers.

   Post your job online:

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

6. Interview candidates

   Your first interview with property claims adjuster candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of 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 property claims adjuster

   Once you've found the property claims adjuster candidate you'd like to hire, it's time to write an offer letter. This should include an explicit job offer that includes the salary and the details of any other perks. Qualified candidates might be looking at multiple positions, so your offer must be competitive if you like the candidate. Also, be prepared for a negotiation stage, as candidates may way want to tweak the details of your initial offer. Once you've settled on these details, you can draft a contract to formalize your agreement.

   You should also follow up with applicants who don't get the job with an email letting them know that you've filled the position.

   To prepare for the new property claims adjuster first day, you should share an onboarding schedule with them that covers their first period on the job. You should also quickly complete any necessary paperwork, such as employee action forms and onboarding documents like I-9, benefits enrollment, and federal and state tax forms. Finally, Human Resources must ensure a new employee file is created for internal record keeping.

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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How much does it cost to hire a property claims adjuster?