Property adjusters assess damage caused by natural disasters or fire, typically working for insurance companies or as independent contractors. A college degree and insurance industry experience are preferred, along with knowledge of architecture and construction. The job involves site inspections, negotiating agreements, and paperwork.
A property adjuster is responsible for determining the amount of damage caused by fire or natural disasters and may be employed by an insurance company or work as an independent contractor. While there is no formal educational requirement to become a property appraiser, employers generally prefer graduates. Along with a college degree, you must also have some sort of experience in the insurance field to become a property appraiser, as well as some general building or architectural knowledge and being able to physically examine structural damage. These individuals typically split their time between site inspections, negotiating agreements, and filling out documents.
To appear more attractive in the job market, you should earn some sort of college degree to become a real estate appraiser. While a college education is not necessarily necessary for this profession, it will likely increase your employment opportunities. A bachelor’s or associate’s degree in any related subject will usually be sufficient to start an on-the-job training program. In some cases, an employer may hire someone with only a high school education if they have sufficient experience building buildings.
Some experience in the insurance industry will also be required to become a property adjuster. Many people start their career working as a salesperson or clerk until they are fully trained. Most insurance companies prefer to train their adjusters using an in-house or industry recognized training program. It may be necessary to work with an experienced fitter for several months after successfully completing this program. You may also need professional licensing to work in your specific region.
As a property adjuster primarily determines the severity of damage to homes, buildings and other structures, you will need to have a good working knowledge of architecture and construction to accurately assess damage. This knowledge is usually gained through studying various reference manuals and local building codes. You must also be physically capable of safely navigating damaged buildings and homes, as damage inspections sometimes include climbing to gain access to the roof or attic and other dangerous areas.
Most property appraisers spend their time engaged in many different activities. They often spend several hours traveling to damaged sites, and overnight stays are sometimes required. A certain amount of mathematical calculations are required to accurately determine the cost of repairing damaged property. After inspecting a home or business, an appraiser must assess the damage and negotiate an agreed value with the homeowner. A significant amount of paperwork must also be completed to satisfy regulatory and company requirements.
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