Insurance Adjusters, Examiners, and Investigators

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About the 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.

It is also Called

  • Accident Investigator
  • Adjuster
  • Adjustment Clerk
  • Appraiser
  • Arson Investigator
  • Auto Claims Adjuster
  • Benefit Authorizer
  • Bodily Injury Adjuster
  • Building Appraiser
  • Catastrophe Claims Supervisor
View All

What They Do

  • Examine claims forms and other records to determine insurance coverage.
  • 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.
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
  • Analyze information gathered by investigation and report findings and recommendations.
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  • Prepare report of findings of investigation.
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement.
  • Collect evidence to support contested claims in court.

Interests

People who work in this occupation generally have the interest code: CE.

This means people who work in this occupation generally have Conventional interests, but also prefer Enterprising environments.

Work Values

People who work in this occupation generally prize Support, but also value Working Conditions and Relationships in their jobs.

Things They Need to Know

  • English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
  • Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
  • Clerical - Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
  • Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
  • Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

Things They Need to Be Able to Do

  • 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.
  • Writing - Communicating effectively in writing as appropriate for the needs of the audience.
  • Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making.

Education Required

Most occupations in this zone require training in vocational schools, related on-the-job experience, or an associate's degree.

Wages

In 2017, the average annual wage in Ohio was $65,280 with most people making between $37,030 and $96,040

Outlook

0.09%
avg. annual growth

During 2014, this occupation employed approximately 12,150 people in Ohio. It is projected that there will be 12,260 employed in 2024.

This occupation will have about 11 openings due to growth and about 299 replacement openings for approximately 310 total annual openings.

Apprenticeship Opportunities

  • John Marshall High School
    3952 WEST 140TH ST
    CLEVELAND, OH 44111