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Insurance Adjusters, Examiners, and Investigators

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Life As an Insurance Adjuster, Examiner, or Investigator

Example of an Insurance Adjuster, Examiner, or Investigator Job 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.

List of Insurance Adjuster, Examiner, or Investigator Job Duties

  • Examine titles to property to determine validity and act as company agent in transactions with property owners.
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement.
  • Analyze information gathered by investigation and report findings and recommendations.
  • Investigate and assess damage to property and create or review property damage estimates.
  • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.

Insurance Adjuster, Examiner, or Investigator Required Skills

Insurance Adjusters, Examiners, and Investigators state the following job skills are important in their day-to-day work.

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

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

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.

Negotiation: Bringing others together and trying to reconcile differences.

  • Claims Service Adjustor
  • Insurance Appraiser
  • Health Claims Examiner
  • Claims Specialist
  • Clerical Adjuster

Job Opportunities for Insurance Adjusters, Examiners, and Investigators

In 2016, there was an estimated number of 311,100 jobs in the United States for Claims Adjusters, Examiners, and Investigators.

Insurance Adjuster, Examiner, or Investigator 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 Insurance Adjusters, Examiners, and Investigators by 2026. 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 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.

Insurance Adjuster, Examiner, or Investigator Salary

The average yearly salary of an Insurance Adjuster, Examiner, or Investigator ranges between $39,620 and $98,660. The median salary for this occupation is $65,900.

Salary Ranges for Insurance Adjusters, Examiners, and Investigators

How much do Claims Adjusters, Examiners, and Investigators make in different U.S. states?

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 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:

  • Healthcare common procedure coding system HCPCS
  • MapScenes Evidence Recorder
  • MapScenes Pro
  • ADP software
  • Microsoft Office
  • Medical procedure coding software
  • ARSoftware WinSMAC
  • CAD Zone Insurance
  • Visual Statement Investigator Suite
  • PhotoModeler

How do I Become an Insurance Adjuster, Examiner, or Investigator?

Education needed to be an Insurance Adjuster, Examiner, or Investigator:

Insurance Adjuster, Examiner, or Investigator Degree Level

What work experience do I need to become an Insurance Adjuster, Examiner, or Investigator?

Insurance Adjuster, Examiner, or Investigator Work Experience

Who Employs Insurance Adjusters, Examiners, and Investigators?

Insurance Adjuster, Examiner, or Investigator Sectors

Similar Careers

Those thinking about becoming Insurance Adjusters, Examiners, and Investigators might also be interested in the following careers:

  • Court Reporters
  • Database Administrators

Those who work as Insurance Adjusters, Examiners, and Investigators sometimes switch careers to one of these choices:

  • Administrative Services Managers

References

Bureau of Labor Statistics

College Factual

O*NET Online

Image Credit: Via Wikimedia Commons

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