Claims adjuster -- What makes a great claims adjuster?

  • Enjoys helping those at a time of need
  • Passion for investigating situations
  • Good written and oral communication skills
  • Detail-oriented
  • Strong negotiation skills

Claims adjusters work for an insurance carrier and are responsible for estimating the cost of damage for the customer after an event has occurred, such as a car accident or a tornado. Along with the client's insurance agent, they serve as the first responders. Claims adjusters perform the initial investigation of the facts surrounding a claim, determine if and what coverage applies to the incident and recommend payment to the client. Claims personnel also need to know standard claim settlement policies, procedures, and statutory or regulatory requirements.

job duties

  • Investigate claims by corresponding with claimants, witnesses, and records
  • Negotiate claim settlements and authorize payments
  • Examine titles to property to determine validity
  • Consult with legal counsel when deemed necessary


High school degree a must, Associates or Bachelor's degree preferred. Many insurance companies provide training or appraising property and accident reconstruction. In some states, claim adjusters are licensed and may be subject to continuing education requirements.

job outlook

The U.S. Bureau of Labor Statistics predicts employment will steadily grow at the average rate for occupations through 2024 (1% growth).


Based on the U.S. Department of Labor, the average claims adjuster makes over $60,000 annually. Of course this varies by where you live, your work experience and how much passion you bring to your job!