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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?

Job 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.

Life As an Insurance Adjuster, Examiner, or Investigator: What Do They Do?

  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
  • Examine titles to property to determine validity and act as company agent in transactions with property owners.
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
  • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
  • Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit.

What Every Insurance Adjuster, Examiner, or Investigator Should Know

These are the skills Insurance Adjusters, Examiners, and Investigators say are the most useful in their careers:

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.

  • Residential Insurance Inspector
  • Claim Approver
  • General Adjuster
  • Insurance Fraud Investigator
  • Insurance Claims Adjuster

Insurance Adjuster, Examiner, or Investigator Employment Estimates

In the United States, there were 311,100 jobs for Insurance Adjuster, Examiner, or Investigator in 2016. There is little to no growth in job opportunities for Insurance Adjuster, Examiner, or Investigator. Due to new job openings and attrition, there will be an average of 24,500 job openings in this field each year.

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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.

Salary for an Insurance Adjuster, Examiner, or Investigator

The salary for Insurance Adjusters, Examiners, and Investigators ranges between about $39,620 and $98,660 a year.

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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

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

Are there Insurance Adjusters, Examiners, and Investigators education requirements?

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

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Where do Insurance Adjusters, Examiners, and Investigators Work?

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

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Those thinking about becoming an Insurance Adjuster, Examiner, or Investigator might also be interested in the following careers:

Are you already one of the many Insurance Adjuster, Examiner, or Investigator in the United States? If you’re thinking about changing careers, these fields are worth exploring:

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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