Insurance Adjusters, Examiners, and Investigators

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Insurance Adjusters, Examiners, and Investigators

Careers / Insurance Adjusters, Examiners, and Investigators

Summary 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.

Sample Job Titles

1.	Accident Investigator

2.	Adjuster

3.	Adjustment Clerk

4.	Appraiser

5.	Arson Investigator

6.	Auto Claims Adjuster

7.	Benefit Authorizer

8.	Bodily Injury Adjuster

9.	Building Appraiser

10.	Catastrophe Claims Supervisor

11.	Claim Adjuster

12.	Claim Agent

13.	Claim Approver

14.	Claim Examiner

15.	Claim Inspector

16.	Claim Investigator

17.	Claim Processor

18.	Claim Representative

19.	Claim Specialist

20.	Claims Adjuster

21.	Claims Adjustor

22.	Claims Analyst

23.	Claims Assistant

24.	Claims Examiner

25.	Claims Manager

26.	Claims Representative

27.	Claims Service Adjustor

28.	Claims Specialist

29.	Clerical Adjuster

30.	Compensation Adjuster

31.	Disability Examiner

32.	Disability Specialist

33.	Estimator

34.	Examiner

35.	Field Adjuster

36.	Field Liability Generalist

37.	Fire Adjuster

38.	General Adjuster

39.	Health Claims Examiner

40.	Independent Insurance Adjuster

41.	Inspector

42.	Insurance Adjuster

43.	Insurance Appraiser

44.	Insurance Claims Adjuster

45.	Insurance Inspector

46.	Investigator

47.	Job Estimator

48.	Litigation Claim Representative

49.	Material Damage Adjuster

50.	Medical Claims Analyst

51.	Medical Claims Examiner

52.	Medical Claims Specialist

53.	Multi-line Claims Adjuster

54.	Property Adjuster

55.	Property Claims Adjuster

56.	Residential Insurance Inspector

57.	Salvage Determiner

58.	Telephone Claims Representative

59.	Workers Compensation Claims Adjuster

Job Tasks

	Examine claims forms and other records to determine insurance coverage. Calculate data to inform organizational operations.

	Investigate and assess damage to property and create or review property damage estimates. Appraise property values.

	Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review. Interview witnesses, suspects, or claimants.

	Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. Estimate costs of goods or services.

	Negotiate claim settlements and recommend litigation when settlement cannot be negotiated. Negotiate agreements to resolve disputes. Advise others on legal or regulatory compliance matters.

	Analyze information gathered by investigation and report findings and recommendations. Investigate legal issues. Prepare legal or investigatory documentation.

	Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. Interview witnesses, suspects, or claimants.

	Prepare report of findings of investigation. Prepare legal or investigatory documentation.

	Refer questionable claims to investigator or claims adjuster for investigation or settlement. Report information to managers or other personnel.

	Collect evidence to support contested claims in court. Collect evidence for legal proceedings.

	Obtain credit information from banks and other credit services. Gather financial records.

	Examine titles to property to determine validity and act as company agent in transactions with property owners. Verify accuracy of records.

	Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit. Verify application data to determine program eligibility.

Work Activities

Importance	Work Activity

Identifying Objects, Actions, and Events — Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.

Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.

Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources.

Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.

Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.

Evaluating Information to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.

Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems.

Resolving Conflicts and Negotiating with Others — Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.

Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work.

Communicating with Persons Outside Organization — Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.

Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job.

Judging the Qualities of Things, Services, or People — Assessing the value, importance, or quality of things or people.

Analyzing Data or Information — Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.

Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time.

Estimating the Quantifiable Characteristics of Products, Events, or Information — Estimating sizes, distances, and quantities; or determining time, costs, resources, or materials needed to perform a work activity.

Performing Administrative Activities — Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.

Interpreting the Meaning of Information for Others — Translating or explaining what information means and how it can be used.

Performing for or Working Directly with the Public — Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.

Monitor Processes, Materials, or Surroundings — Monitoring and reviewing information from materials, events, or the environment, to detect or assess problems.

Inspecting Equipment, Structures, or Material — Inspecting equipment, structures, or materials to identify the cause of errors or other problems or defects.

Scheduling Work and Activities — Scheduling events, programs, and activities, as well as the work of others.

Monitoring and Controlling Resources — Monitoring and controlling resources and overseeing the spending of money.

Thinking Creatively — Developing, designing, or creating new applications, ideas, relationships, systems, or products, including artistic contributions.

Operating Vehicles, Mechanized Devices, or Equipment — Running, maneuvering, navigating, or driving vehicles or mechanized equipment, such as forklifts, passenger vehicles, aircraft, or water craft.

Developing Objectives and Strategies — Establishing long-range objectives and specifying the strategies and actions to achieve them.

Provide Consultation and Advice to Others — Providing guidance and expert advice to management or other groups on technical, systems-, or process-related topics.

Coaching and Developing Others — Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills.

Training and Teaching Others — Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.

Developing and Building Teams — Encouraging and building mutual trust, respect, and cooperation among team members.

Coordinating the Work and Activities of Others — Getting members of a group to work together to accomplish tasks.

Selling or Influencing Others — Convincing others to buy merchandise/goods or to otherwise change their minds or actions.

Performing General Physical Activities — Performing physical activities that require considerable use of your arms and legs and moving your whole body, such as climbing, lifting, balancing, walking, stooping, and handling of materials.

Assisting and Caring for Others — Providing personal assistance, medical attention, emotional support, or other personal care to others such as coworkers, customers, or patients.

Controlling Machines and Processes — Using either control mechanisms or direct physical activity to operate machines or processes (not including computers or vehicles).

Nature of the Work


	(Abstract from Career Articles)

	Claims Adjusters, Appraisers, Examiners, and Investigators
	Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much.

	Read More >>

Working Conditions


	(Abstract from Career Articles)

	Claims Adjusters, Appraisers, Examiners, and Investigators
	Most claims adjusters, appraisers, examiners, and investigators work full time. They often work outside the office, inspecting properties for which insurance claims have been made, such as damaged buildings and automobiles.

	Read More >>

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Interesting Fact

The occupation expected to experience the largest growth in total employment between 2002 and 2012 is Registered Nursing.

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