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Insurance Adjuster, Examiner, or Investigator

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What Does it Take to Be an Insurance Adjuster, Examiner, or Investigator?

Career Description Investigate, analyze, and determine the extent of insurance company’s liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.

A Day in the Life of an Insurance Adjuster, Examiner, or Investigator

  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  • Collect evidence to support contested claims in court.
  • Examine titles to property to determine validity and act as company agent in transactions with property owners.
  • Examine claims forms and other records to determine insurance coverage.
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement.
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.

What Every Insurance Adjuster, Examiner, or Investigator Should Know

When polled, Insurance Adjusters, Examiners, and Investigators say the following skills are most frequently used in their jobs:

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

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.

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

Speaking: Talking to others to convey information effectively.

Negotiation: Bringing others together and trying to reconcile differences.

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

  • Claims Service Adjustor
  • Accident Investigator
  • Claim Adjuster
  • Clerical Adjuster
  • Disability Analyst

Insurance Adjuster, Examiner, or Investigator Job Outlook

There were about 311,100 jobs for Insurance Adjuster, Examiner, or Investigator in 2016 (in the United States). There is little to no growth in job opportunities for Insurance Adjuster, Examiner, or Investigator. There will be an estimated 24,500 positions for Insurance Adjuster, Examiner, or Investigator per year.

Forecasted Number of Jobs for Insurance Adjusters, Examiners, and Investigators in U.S.

The states with the most job growth for Insurance Adjuster, Examiner, or Investigator are Utah, Arizona, and Colorado. Watch out if you plan on working in Maine, District of Columbia, or Mississippi. These states have the worst job growth for this type of profession.

What is the Average Salary of an Insurance Adjuster, Examiner, or Investigator

The average yearly salary of an Insurance Adjuster, Examiner, or Investigator ranges between $39,620 and $98,660.

Salary Ranges for Insurance Adjusters, Examiners, and Investigators

Insurance Adjusters, Examiners, and Investigators who work in Connecticut, Massachusetts, or New Jersey, make the highest salaries.

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

State Annual Mean Salary
Alabama $65,060
Alaska $73,370
Arizona $67,340
Arkansas $61,930
California $71,720
Colorado $72,460
Connecticut $78,590
Delaware $63,440
District of Columbia $74,210
Florida $62,840
Georgia $65,430
Hawaii $62,860
Idaho $63,020
Illinois $65,980
Indiana $63,480
Iowa $62,750
Kansas $67,570
Kentucky $55,820
Louisiana $66,440
Maine $60,980
Maryland $72,050
Massachusetts $76,150
Michigan $67,860
Minnesota $65,760
Mississippi $62,700
Missouri $66,340
Montana $55,970
Nebraska $61,050
Nevada $65,510
New Hampshire $71,190
New Jersey $74,260
New Mexico $63,890
New York $71,950
North Carolina $62,580
North Dakota $58,580
Ohio $65,890
Oklahoma $61,670
Oregon $67,750
Pennsylvania $67,730
Rhode Island $71,950
South Carolina $62,950
South Dakota $61,490
Tennessee $60,550
Texas $69,560
Utah $59,330
Vermont $66,240
Virginia $63,640
Washington $72,340
West Virginia $57,030
Wisconsin $63,420
Wyoming $65,300

What Tools do Insurance Adjusters, Examiners, and Investigators Use?

Below is a list of the types of tools and technologies that Insurance Adjusters, Examiners, and Investigators may use on a daily basis:

  • Microsoft Excel
  • Microsoft Word
  • Microsoft Office
  • Medical procedure coding software
  • Healthcare common procedure coding system HCPCS
  • Document management system software
  • CGI-AMS BureauLink Enterprise
  • Hyland OnBase Enterprise Content Management
  • Axonwave Fraud and Abuse Management System
  • ISO NetMap for Claims
  • LexisNexis RiskWise
  • StrataCare StrataWare eReview
  • ISO ClaimSearch
  • ADP software
  • CCC Pathways Appraisal Quality Solution
  • IBM Fraud and Abuse Management System
  • Hummingbird Legal Bill Review
  • Agency Management Systems AMS 360
  • Automatic Data Processing Autosource
  • Automatic Data Processing Claims Manager & Dispatch

Becoming an Insurance Adjuster, Examiner, or Investigator

What kind of Insurance Adjuster, Examiner, or Investigator requirements are there?

Insurance Adjuster, Examiner, or Investigator Degree Level

How Long Does it Take to Become an Insurance Adjuster, Examiner, or Investigator?

Insurance Adjuster, Examiner, or Investigator Work Experience

Where do Insurance Adjusters, Examiners, and Investigators Work?

Insurance Adjuster, Examiner, or Investigator Sectors

The table below shows the approximate number of Insurance Adjusters, Examiners, and Investigators employed by various industries.

Insurance Adjuster, Examiner, or Investigator Industries

Similar Careers

Those interested in being an Insurance Adjuster, Examiner, or Investigator may also be interested in:

Those who work as an Insurance Adjuster, Examiner, or Investigator sometimes switch careers to one of these choices:

References:

Image Credit: Nick Youngson via Creative Commons 3 - CC BY-SA 3.0

More about our data sources and methodologies.

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