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Claims adjuster jobs involve investigating and settling insurance claims. Positions include staff adjusters, field staff adjusters, independent adjusters, and public adjusters. Some work for specific insurance companies, while others provide services to multiple carriers. Public adjusters help settle claims disputes.
Claims adjuster jobs are found in the insurance and insurance-related industries. Most of these jobs require a certain level of experience or knowledge in a specific area, such as car or property damage. Claims representatives comprise a good portion of claims adjuster jobs and are responsible for investigating claims and providing a fair settlement in an efficient, convenient and fair manner. These positions require the ability to work with policyholders when evaluating and resolving claims based on information that is provided or discovered through investigation. Claims adjuster jobs include staff adjusters, field staff adjusters, independent adjusters, and public adjusters.
Some claims adjuster jobs involve working for a specific insurance company and handling claims only for that insurance company in exchange for a salary. Staff adjusters, known as claims representatives, typically work for small to medium-sized insurers and are usually based in a corporate home office or field office. These staff claim assessors typically handle administrative paperwork, gather evidence of loss materials, coordinate witness information, handle underwriting concerns, and issue verification of claim payment. Field staff evaluators have similar responsibilities but work from a home office or field office.
Smaller and regional insurance carriers typically subcontract claims adjustment services to independent adjusters. These independent claims adjuster jobs involve setting up and handling claims investigation and providing other general adjustment services to an insurance company. Independent claims adjusters often work in remote areas or where large insurance companies may not yet have established a regional presence. These adjusters can handle a claim from start to finish, but often require multiple authorizations from the insurance carrier to proceed and complete the entire process.
Public adjusters provide a means of settling an insurance claim. This claims resolution need has arisen due to the long, complex and confusing valuation clauses found in insurance policies in the past. Today, these assessment clauses have been revised and provide a means for minimum cost dispute resolutions that allow both sides to use independent assessors in assessing the true cost of damages. Public claims adjusters are still used today, but may be seen by carriers as unnecessary as modern policies are now written in simple terms and often give the benefit of the doubt to the policyholder.
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