Insurance Adjusters, Examiners, and Investigators
SOC: 13-1031.02

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.

National Salary Information:

Hourly Statistics:

Annual Statistics:

Source: Bureau of Labor Statistics 2015 wage data.

Employment Projections:

Employment (2014):
299,700 employed

Projected (2024):
309,500 employed

Projected growth (2014-2024)


Source: Bureau of Labor Statistics 2015 2014-2024 employment projections external site. "Projected growth" represents the estimated change in total employment over the projections period (2014-2024). "Projected job openings" represent openings due to growth and replacement.

Alternate Titles:

  • Accident Investigator
  • Adjuster
  • Adjustment Clerk
  • Appraiser
  • Arson Investigator
  • Auto Claims Adjuster
  • Benefit Authorizer
  • Bodily Injury Adjuster
  • Building Appraiser
  • Catastrophe Claims Supervisor
  • Claim Adjuster
  • Claim Agent
  • Claim Approver
  • Claim Examiner
  • Claim Inspector
  • Claim Investigator
  • Claim Processor
  • Claim Representative
  • Claim Specialist
  • Claims Adjuster
  • Claims Adjustor
  • Claims Analyst
  • Claims Assistant
  • Claims Examiner
  • Claims Manager
  • Claims Representative
  • Claims Service Adjustor
  • Claims Specialist
  • Clerical Adjuster
  • Compensation Adjuster
  • Disability Examiner
  • Disability Specialist
  • Estimator
  • Examiner
  • Field Adjuster
  • Field Liability Generalist
  • Fire Adjuster
  • General Adjuster
  • Health Claims Examiner
  • Independent Insurance Adjuster
  • Inspector
  • Insurance Adjuster
  • Insurance Appraiser
  • Insurance Claims Adjuster
  • Insurance Inspector
  • Investigator
  • Job Estimator
  • Litigation Claim Representative
  • Material Damage Adjuster
  • Medical Claims Analyst
  • Medical Claims Examiner
  • Medical Claims Specialist
  • Multi-line Claims Adjuster
  • Property Adjuster
  • Property Claims Adjuster
  • Residential Insurance Inspector
  • Salvage Determiner
  • Telephone Claims Representative
  • Workers Compensation Claims Adjuster

    • Job Zone Three: Medium Preparation Needed

    Experience:

    Previous work-related skill, knowledge, or experience is required for these occupations. For example, an electrician must have completed three or four years of apprenticeship or several years of vocational training, and often must have passed a licensing exam, in order to perform the job.

    Education:

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

    Job Training:

    Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers. A recognized apprenticeship program may be associated with these occupations.

    Required Skills:

  • Reading Comprehension
  • Active Listening
  • Writing
  • Speaking
  • Mathematics
  • Science
  • Critical Thinking
  • Active Learning
  • Learning Strategies
  • Monitoring
  • Social Perceptiveness
  • Coordination
  • Persuasion
  • Negotiation
  • Instructing
  • Service Orientation
  • Complex Problem Solving
  • Operations Analysis
  • Technology Design
  • Programming
  • Operation Monitoring
  • Troubleshooting
  • Quality Control Analysis
  • Judgment and Decision Making
  • Systems Analysis
  • Systems Evaluation
  • Time Management
  • Management of Financial Resources
  • Management of Material Resources
  • Management of Personnel Resources

    • Knowledge Used:

  • Administration and Management
  • Clerical
  • Economics and Accounting
  • Sales and Marketing
  • Customer and Personal Service
  • Personnel and Human Resources
  • Production and Processing
  • Computers and Electronics
  • Engineering and Technology
  • Design
  • Building and Construction
  • Mechanical
  • Mathematics
  • Physics
  • Psychology
  • Sociology and Anthropology
  • Geography
  • Medicine and Dentistry
  • Therapy and Counseling
  • Education and Training
  • English Language
  • Foreign Language
  • Philosophy and Theology
  • Public Safety and Security
  • Law and Government
  • Telecommunications
  • Communications and Media
  • Transportation

    • Tasks:

  • Examine claims forms and other records to determine insurance coverage.
  • Analyze information gathered by investigation and report findings and recommendations.
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
  • Prepare report of findings of investigation.
  • Collect evidence to support contested claims in court.
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement.
  • Examine titles to property to determine validity and act as company agent in transactions with property owners.
  • Obtain credit information from banks and other credit services.
  • Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit.
  • 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.

    • Tools & Technology:

  • Data collectors
  • Desktop computers
  • Event data recorders
  • Field computers
  • Handheld computers
  • Measure markers
  • Mobile wireless handheld communication devices
  • Personal digital assistants PDA
  • Total stations
  • 4n6xprt Systems StiffCalcs
  • Agency Management Systems AMS 360
  • ARSoftware WinSMAC
  • Autoclaims Direct DirectLink
  • Automatic Data Processing Autosource
  • Automatic Data Processing Claims Manager & Dispatch
  • Automatic Data Processing Estimating
  • Automatic Data Processing software
  • Axonwave Fraud and Abuse Management System
  • BCCORP Burkitt W5
  • Bill review software
  • Bramerhill ClaimsTech
  • Bridium Claims 3
  • Brightwork Alyce Claims Systems
  • CAD Zone Insurance
  • Captiva InputAccel
  • Castek Insure3 Claims
  • CCC EZNet electronic communications network
  • CCC GuidePost Decision Support
  • CCC Pathways Appraisal Quality Solution
  • CCC Pathways Image Management Solution
  • CCC TL2000 Solution
  • CGI INSideOUT
  • CGI-AMS BureauLink Enterprise
  • Claims processing administration and management software
  • Clear Technology Tranzax
  • Computerized voice stress analyzer CVSA software
  • Corporate Systems ClaimsPro
  • Covansys ClaimConnect
  • CSC Automated Work Distributor AWD
  • CSC Colossus
  • CSC Fault Evaluator
  • Datanex ClaimTrac
  • Document management system software
  • Fair Isaac SmartAdvisor
  • First Notice Systems ClaimCapture
  • Hummingbird Legal Bill Review
  • Hyland OnBase Enterprise Content Management
  • IBM Fraud and Abuse Management System
  • Injury Sciences EDR InSight
  • Insurance claims fraud detection software
  • InSystems Calligo Document Management System
  • ISO ClaimSearch
  • ISO NetMap for Claims
  • LexisNexis RiskWise
  • Magnify Predictive Targeting System
  • MapScenes Evidence Recorder
  • MapScenes Pro
  • Microsoft Excel
  • Microsoft Office software
  • Microsoft Word
  • PhotoModeler software
  • Property damage, bodily injury, and liability estimation software
  • QwikQuote software
  • Simsol for Adjusters
  • StrataCare StrataWare eReview
  • Turtle Creek Software Goldenseal Architect
  • Visual Statement Investigator Suite

    • business and financial operations

    industry stats

    SOC: 13-0000

    Total Employed: 7,032,560

    Average Annual Salary: $73,800