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About Being An Insurance Claims Adjuster

What Is A Claims Adjuster - And What Do They Do?

Defining A Claims Adjuster

A Claims Adjuster is the individual that handles claims regarding property damage. There are three types of insurance claims adjusters, as follows:
  • Staff Adjuster:
    A staff adjuster works full-time for one insurance firm exclusively
  • Independent Adjuster:
    Independent adjusters work as contractors for one or more insurance firms or third-party administrators
  • Public Adjuster:
    Public insurance adjusters work directly on behalf of policyholders. They help businesses or individuals file insurance claims if a proposed settlement from an insurer seems unfit
What Does A Claims Adjuster Do?

Claims adjusters have a variety of tasks depending on the type of insurance company they work with, but typically investigate, evaluate, and settle insurance claims.

Essentially, the claims adjuster inspects damage done to property such as homes, cars, or businesses, reviews the insurance policy to make sure the damage is covered, then helps to determine the amount the insurance company should pay to the insured. Work could involve interviewing the claimant and witnesses, inspecting property, and other work, such as looking at surveillance tapes, photos, videos, speaking with doctors, and reviewing police reports.

Depending upon the adjuster's findings, the adjuster's final task is to determine whether to pay, deny, or - in the case of suspected criminal activity such as fraud, arson, staged accidents, or unnecessary medical treatments - to refer a claim to an insurance investigator.

Job Requirements

Below is an overview of the typical requirements to be an insurance claims adjuster:
  • You must be licensed
  • Be able to handle a flexible work schedule
  • Have good multi-tasking skills
  • Be a good communicator
  • You must have a thorough knowledge about what the insurance company insures
Claims adjusters don't just work during office hours. They often work evenings, weekends, and holidays, as most of the work of an insurance claims adjuster is dependent upon when an accident or damage event occurs, therefore you must be able to handle a flexible work schedule. For instance, while you can schedule a claim for roof damage from a hail storm between nine and five, a claims adjuster in Florida after a hurricane will need to put in a lot of hours to support your customers.

Job Pre-Requisites And Outlook

It is recommended that entry-level claims adjusters, examiners, and investigators have at least a high school diploma or equivalent. Separately, auto damage appraisers require either a certificate in the field, or previous work experience estimating the cost of car repairs.

Job-wise, insurance claim adjusting is a stable field with generally a high-demand for qualified adjusters for both normal adjusting areas like cars and homes, but also for medical disputes.

Recommended Insurance Adjuster Training Courses

To become an insurance adjuster, you need to earn a license. Adjuster licensing is state specific, so to find a preferred adjuster licensing course, simply select your state from the table below.

Claims Adjuster Licensing
- State Rules And Recommendations -
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
DC
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
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