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What You Need to Know About Property and Casualty Insurance Claims Examiners

Insurance Claims Examiner Job Description Review settled insurance claims to determine that payments and settlements have been made in accordance with company practices and procedures. Report overpayments, underpayments, and other irregularities. Confer with legal counsel on claims requiring litigation.

Life As an Insurance Claims Examiner

  • Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
  • Conduct detailed bill reviews to implement sound litigation management and expense control.
  • Present cases and participate in their discussion at claim committee meetings.
  • Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
  • Communicate with reinsurance brokers to obtain information necessary for processing claims.
  • Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.

What an Insurance Claims Examiner Should Know

Below is a list of the skills most Property and Casualty Insurance Claims Examiners say are important on the job.

Reading Comprehension: Understanding written sentences and paragraphs in work related documents.

Writing: Communicating effectively in writing as appropriate for the needs of the audience.

Active Listening: Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

Speaking: Talking to others to convey information effectively.

Critical Thinking: Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Types of Insurance Claims Examiner Jobs

  • Claims Account Manager
  • Executive Relations Specialist
  • Insurance Auditor
  • Property Damage Claims Adjustor
  • Workers Compensation Claims Examiner

Insurance Claims Examiner Job Outlook

There were about 311,100 jobs for Claims Adjusters, Examiners, and Investigators in 2016 (in the United States).

Property and Casualty Insurance Claims Examiner jobs are decreasing by a rate of -1.4%. This means the total job opportunities are shrinking. The Bureau of Labor Statistics predicts a loss of -4,500 jobs for Property and Casualty Insurance Claims Examiners by 2026. There will be an estimated 24,500 positions for Insurance Claims Examiner per year.

Forecasted Number of Jobs for Property and Casualty Insurance Claims Examiners in U.S.

The states with the most job growth for Claims Adjusters, Examiners, and Investigators are Florida, Arizona, and Texas.

Watch out if you plan on working in California, New York, or Pennsylvania. These states have the worst job growth for this type of profession.

Salary for Property and Casualty Insurance Claims Examiners

The salary for Claims Adjusters, Examiners, and Investigators ranges between about $39,620 and $98,660 a year. A Property and Casualty Insurance Claims Examiner median salary is $65,900.

Salary Ranges for Property and Casualty Insurance Claims Examiners

How much do Claims Adjusters, Examiners, and Investigators make in each U.S. state?

Annual Mean Salary by State
State Annual Mean Salary

Connecticut

$78,590

Massachusetts

$76,150

New Jersey

$74,260

District of Columbia

$74,210

Alaska

$73,370

Colorado

$72,460

Washington

$72,340

Maryland

$72,050

New York

$71,950

Rhode Island

$71,950

California

$71,720

New Hampshire

$71,190

Texas

$69,560

Michigan

$67,860

Oregon

$67,750

Pennsylvania

$67,730

Kansas

$67,570

Arizona

$67,340

Louisiana

$66,440

Missouri

$66,340

Vermont

$66,240

Illinois

$65,980

Ohio

$65,890

Minnesota

$65,760

Nevada

$65,510

Georgia

$65,430

Wyoming

$65,300

Alabama

$65,060

New Mexico

$63,890

Virginia

$63,640

Indiana

$63,480

Delaware

$63,440

Wisconsin

$63,420

Idaho

$63,020

South Carolina

$62,950

Hawaii

$62,860

Florida

$62,840

Iowa

$62,750

Mississippi

$62,700

North Carolina

$62,580

Arkansas

$61,930

Oklahoma

$61,670

South Dakota

$61,490

Nebraska

$61,050

Maine

$60,980

Tennessee

$60,550

Utah

$59,330

North Dakota

$58,580

West Virginia

$57,030

Montana

$55,970

Kentucky

$55,820

What Tools & Technology do Property and Casualty Insurance Claims Examiners Use?

Although they’re not necessarily needed for all jobs, the following technologies are used by many Property and Casualty Insurance Claims Examiners:

  • Microsoft Word
  • Microsoft Office
  • Medical procedure coding software
  • Healthcare common procedure coding system HCPCS
  • Microsoft Excel
  • CCC Pathways Appraisal Quality Solution
  • Medical condition coding software
  • Microsoft PowerPoint

How to Become an Insurance Claims Examiner

What kind of Property and Casualty Insurance Claims Examiner requirements are there?

Insurance Claims Examiner Degree Level

What work experience do I need to become an Insurance Claims Examiner?

Insurance Claims Examiner Work Experience

Where Property and Casualty Insurance Claims Examiners Work

Insurance Claims Examiner Sectors

Those thinking about becoming Property and Casualty Insurance Claims Examiners might also be interested in the following careers:

  • Title Examiners, Abstractors, and Searchers
  • Cost Estimators
  • Loan Counselors

Are you already one of the many Property and Casualty Insurance Claims Examiners in the United States? If you’re thinking about changing careers, these fields are worth exploring:

  • Insurance Underwriters

References

Bureau of Labor Statistics

College Factual

O*NET Online

Image Credit: Via Wikimedia Commons

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