Job Descriptions/ Claims Adjuster

Claims Adjuster: Duties, Skills, Education & Salary

Claims Adjusters investigate insurance claims to determine the extent of the insuring company’s liability. They assess property damage or personal injury, gather evidence, and negotiate settlements. Their work ensures fair and accurate resolution for both insurers and policyholders.

Use our expert-written claims adjuster job description template to attract detail-oriented professionals who can manage claims with accuracy and integrity.

Jun 5, 2025

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Claims Adjuster Job Description Template

Job Title: Claims Adjuster

Location: [Insert Location]

Job Type: [Full-time/Part-time/Contract]

Reports To: Claims Manager / Senior Claims Supervisor

About the Role

We are seeking a dependable and analytical Claims Adjuster to evaluate and process insurance claims. In this role, you will investigate claims, assess damages, interview involved parties, and determine appropriate settlements. Ideal candidates will be skilled at negotiations, policy interpretation, and balancing customer satisfaction with business integrity.

Claims Adjuster Responsibilities and Duties

  • Investigate property, auto, liability, or personal injury insurance claims
  • Review insurance policies to determine coverage
  • Conduct interviews with claimants, witnesses, and relevant parties
  • Inspect damage and gather documentation, including photographs and reports
  • Work with contractors, medical professionals, and law enforcement as needed
  • Determine claim value and recommend settlement amounts
  • Negotiate settlements with claimants or their legal representatives
  • Maintain accurate records and prepare detailed claim reports
  • Ensure compliance with company policies and regulatory requirements
  • Collaborate with legal teams in cases of disputed claims or litigation

Claims Adjuster Qualifications and Skills

  • Strong investigative, analytical, and decision-making skills
  • Knowledge of insurance laws, regulations, and procedures
  • Excellent written and verbal communication skills
  • Comfortable using claims management and CRM software
  • Ability to remain calm and professional during disputes or high-stress situations
  • Basic math and accounting skills for settlement evaluations
  • Strong organizational and time-management skills

Education and Experience Requirements

  • High school diploma or GED required; bachelor’s degree in business, finance, or related field preferred
  • 2+ years of experience in claims adjusting, underwriting, or insurance preferred
  • State adjuster license required (varies by state)
  • Certifications such as AIC (Associate in Claims) or CPCU are a plus
  • Valid driver’s license (for field adjuster roles)

Interested applicants should submit their resume and a brief cover letter highlighting relevant experience to [email protected] or call +1 999999999 for more information.

Claims Adjuster Average Salary

In the United States, Claims Adjusters earn an average salary between $52,000 and $72,000 annually, depending on experience, industry (property, auto, health), and location. Senior or specialized adjusters may earn upwards of $85,000.

Hire a Reliable Claims Adjuster Today

A skilled claims adjuster can help your company manage risk, protect your bottom line, and serve clients with professionalism. Use this job description to attract candidates who combine technical know-how with empathy and integrity.

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Frequently Asked Questions

1. What does a claims adjuster do?

A claims adjuster evaluates insurance claims by investigating, assessing damage, and determining settlement amounts.

2. Do claims adjusters need a license?

Yes, most states require claims adjusters to be licensed. Requirements vary by state.

3. Where do claims adjusters work?

They work for insurance companies, third-party administrators, or independently as field or desk adjusters.

4. What skills are important for a claims adjuster?

Key skills include attention to detail, negotiation, communication, and knowledge of insurance policies and procedures.