Today, there are a variety of insurance adjuster jobs available. Following a catastrophic event, such as an accident, injury, or natural disaster, insurance adjusters evaluate insurance liability or damage claims and then make an adjusted settlement with consumers. In most cases, insurance adjusters work in the field, inspecting damage claims in person to determine the extent of the damage and make a reasonable monetary offer to victims to repair or replace damaged property.
All insurance companies that provide financial protection for consumers of property or vehicles have insurance adjuster positions. There are different levels of insurance policies for homes, commercial buildings, and other modes of transportation that insurance adjusters can manage and become familiar with in order to process insurance claims accurately, in addition to different types of insurance plans that protect consumers. As a result, insurance adjusters are typically chosen for their experience with property, casualty, or transportation insurance claims, as well as customer service.
The vehicle or automobile insurance industry has the most job openings for insurance adjusters. Working directly with drivers and other parties who have been involved in vehicle accidents or have suffered vehicle damage are examples of these types of insurance adjuster jobs. The insurance adjuster collects information from all parties involved, including the drivers, and then acts as an insurance claims representative, submitting a financial claim based on actual findings and insurance policy guidelines in order to settle for an amount equal to or less than the policy’s value.
Other insurance adjuster jobs can be found in the residential and commercial property insurance industries. Physically visiting and inspecting property that can be insured based on specific conditions that the property owner must meet in order to be financially covered in the event of damage caused natural or man-made causes is part of the job. If an event occurs that causes an insurance claim, the adjuster will negotiate with the consumer and make adjustments to the amount of the cash settlement with the insured.
Most states require insurance adjusters to obtain a license before they can begin working on claims. Many insurance adjusters begin their careers in internal customer service positions before obtaining a license to work as a field adjuster. Insurance claims representatives have a lot of opportunities to gain experience on the job and advance to become licensed or a lead insurance adjuster with many of the major insurance companies.