To become a field adjuster, training and experience in the insurance industry are necessary. A bachelor’s degree in a business-related field can be beneficial. Field adjusters investigate and assess property damage, negotiate payments, and work for insurance companies or as independent contractors. Entry-level jobs and internships can provide experience, and some jurisdictions require a license.
To become a field adjuster, certain training or knowledge is required, and it is helpful to have experience in the insurance industry. You don’t necessarily need a college degree, but it may be beneficial to obtain a bachelor’s degree in a business-related field. Knowledge of repair costs and estimates, insurance procedures and terminology, the claims process, and certain software programs can make you more attractive to potential employers. Having good communication skills, the ability to negotiate and an attention to detail are also important. If you want to become a field appraiser, it might be a good idea to start in an entry-level position in the insurance industry and work your way up to your goal.
A field adjuster is assigned by an insurance company to investigate and assess property damage. Policyholders rely on field adjusters to provide fair and accurate assessments of damage to property such as homes or automobiles. The insurance company relies heavily on the adjuster to confirm the validity of a claim. In some cases, the field adjuster negotiates payment with the policyholder. A career as a field adjuster provides some flexibility, because adjusters can work from home and be employed by a specific insurance company, or they can function as an independent, individually contracted adjuster.
To gain work experience, consider taking an entry-level job with an insurance company, such as a claims clerk. Interns are often hired to handle small areas and often receive training from the company. Advancement opportunities generally become available after experience is gained.
Helping an independent adjuster can also provide proper training. An independent adjuster works as a contractor for insurance companies when the workload of these companies is greater than normal, such as when there are catastrophes or disasters that result in many claims being filed. Networking with several independent evaluators or contacting a non-profit organization that serves evaluators can help you discover unheralded learning opportunities.
Some jurisdictions require field adjusters to obtain a license to become a field adjuster. Aspiring field adjusters can enroll in licensing courses or obtain a license through self-study and standardized tests. It can be costly to purchase the necessary study materials and take the required test; therefore, it is a good idea to research this career option thoroughly before beginning the process. If you are sure you want to become a field adjuster, contact your local or regional government insurance office to determine the requirements for obtaining a license.
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