Property claims adjuster vs field adjuster

The differences between property claims adjusters and field adjusters can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both a property claims adjuster and a field adjuster. Additionally, a property claims adjuster has an average salary of $54,520, which is higher than the $54,120 average annual salary of a field adjuster.

The top three skills for a property claims adjuster include customer service, claims handling and xactimate. The most important skills for a field adjuster are customer service, xactimate, and strong negotiation.

Property claims adjuster vs field adjuster overview

	Property Claims Adjuster	Field Adjuster
Yearly salary	$54,520	$54,120
Hourly rate	$26.21	$26.02
Growth rate	-6%	-6%
Number of jobs	16,957	51,071
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 77%	Bachelor's Degree, 70%
Average age	44	44
Years of experience	4	4

What does a property claims adjuster do?

Property Claims Adjusters are individuals who evaluate the insurance claims of their clients. They specialize in the appraisal of property-related insurance claims such as damages or other concerns. They often work outside the office, typically always on fieldwork, since their job entails them to visit the property involved in the insurance claim. Property Claims Adjusters appraise the property, check the damages, evaluate whether the claims are valid, and provide their verdict. Insurance Claims on the property are adjusted based on their recommendations and final verdict. Property claims adjusters should be familiar with building codes, property laws, and insurance guidelines.

What does a field adjuster do?

A field adjuster is an individual who creates property and contents estimates based on the field inspection using the Xactimate estimating software with photos and diagrams. Field adjusters are required to investigate and evaluate property damage to determine and negotiate a monetary settlement for each claim. They must complete reports and itemize billing to be submitted to insurance companies for services rendered. Field adjusters must provide exceptional customer service to all parties involved to aid in the settlement process and maintain customer satisfaction.

Property claims adjuster vs field adjuster salary

Property claims adjusters and field adjusters have different pay scales, as shown below.

	Property Claims Adjuster	Field Adjuster
Average salary	$54,520	$54,120
Salary range	Between $39,000 And $74,000	Between $38,000 And $75,000
Highest paying City	Trenton, NJ	San Francisco, CA
Highest paying state	New Jersey	Alaska
Best paying company	EMC Insurance	Zurich
Best paying industry	Insurance	Insurance

Differences between property claims adjuster and field adjuster education

There are a few differences between a property claims adjuster and a field adjuster in terms of educational background:

	Property Claims Adjuster	Field Adjuster
Most common degree	Bachelor's Degree, 77%	Bachelor's Degree, 70%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Property claims adjuster vs field adjuster demographics

Here are the differences between property claims adjusters' and field adjusters' demographics:

	Property Claims Adjuster	Field Adjuster
Average age	44	44
Gender ratio	Male, 59.2% Female, 40.8%	Male, 70.3% Female, 29.7%
Race ratio	Black or African American, 11.3% Unknown, 4.4% Hispanic or Latino, 16.4% Asian, 5.1% White, 62.3% American Indian and Alaska Native, 0.5%	Black or African American, 12.0% Unknown, 4.4% Hispanic or Latino, 16.3% Asian, 5.1% White, 61.7% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between property claims adjuster and field adjuster duties and responsibilities

Property claims adjuster example 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.

Field adjuster example responsibilities.

Manage and dispose of claims in litigation by preparing and developing strategy with defense counsel and consensus relative to litigation handling.
Provide optimum service to policyholders and agents, negotiate fair settlements and identify SIU claims.
Process boat, auto, motorcycle, and motorhome RV claims thru various estimating software.
Participate in development of claim handling strategies for mediation claims with home office personnel and attorneys.
Work closely with SIU in the handling of 1st party auto theft claims from initiation to completion.
Coordinate inspections with insure, this entail booking flights, hotel and rental reservations all while considering the overall cost.

Property claims adjuster vs field adjuster skills

Common property claims adjuster skills

Customer Service, 34%
Claims Handling, 11%
Xactimate, 8%
Strong Customer Service, 5%
Damage Estimates, 5%
Policy Coverage, 3%

Common field adjuster skills

Customer Service, 20%
Xactimate, 17%
Strong Negotiation, 7%
Insurance Policies, 6%
Claims Handling, 3%
CCC, 3%

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Property Claims Adjuster
Property Claims Adjuster vs Field Adjuster

Updated January 8, 2025

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