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Edith “Edie” Windsor, who sued the government for failing to recognize her marriage to her late spouse, Thea Spyer, asked the U.S. Supreme Court today to hear her challenge to the so-called “Defense of Marriage Act” (DOMA). Full Story

In addition to suspending the 10 percent surcharge rule on property insurance provided by Louisiana’s property insurer of last resort in certain coastal parishes, recently passed state legislation includes provisions for allowing electronic proof of Full Story

This year’s Atlantic hurricane season got off to a busy start, with six named storms to date, and may have a busy second half, according to the updated hurricane season outlook issued today by government weather forecasters. Full Story

A former Plainville, Conn., doctor has been sentenced to four months in prison for dealing prescription drugs Full Story

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What companies have jobs for independent insurance adjusters, claims adjuster jobs.#Claims #adjuster #jobs


Claims adjuster jobsBlog

Claims adjuster jobs

Who Employs Independent Claims Adjusters? A Brief Explanation.

T he other day during a webinar the question came up “who employs Independent Adjusters?

It occurred to me that it would be helpful to write a post that would explain just who it is that independent adjusters work for, but first, let’s make sure we’re all on the same page about the definition of an independent adjuster.

Staff adjusters, also known as company adjusters or employee adjusters, work directly for an insurance company as W-2 salaried employees.

Independent adjusters (IA’s) on the other hand, have a broader definition. Like staff adjusters, they also adjust claims on behalf of the insurer, but not directly as an employee of the insurer. Typically they re contracted through a third-party claims-handling company, or IA firm . So the insurer outsources the claim to one of these third-party claims-handling companies, who in turn assigns it to an independent adjuster.

Historically, independent adjusters have worked as 1099 independent contractors, but that has changed significantly over the last several years. For legal and liability purposes, the current practice is for employers to hire IA’s as W-2 employees, even for seasonal or catastrophe deployment. For sufficiently short deployments, IA s are sometimes hired as seasonal employees (a status that has some similarities to working as an independent contractor). Finally, although more rare today, some smaller employers still contract claims out to IA s as independent contractors.

Staff adjusters and independent adjusters usually have different licenses and licensing requirements. One requirement difference has to do with what’s called “appointment”. Staff adjusters are appointed to their employer, but independent adjusters can be self-appointed. For example, if Jane got a job with Acme Insurance in Texas, she’d apply for an staff adjuster license, listing her appointment as Acme. When she is licensed, she has authority to adjust claims for Acme, but does not have authority to handle claims for Pinnacle without first changing her appointment with the Texas Department of Licensing. IA’s, on the other hand, list their own name as the appointing entity, and are free to handle claims for any company.

So exactly who are these third-party claims-handling companies? Although I’ve met the odd adjuster with an arrangement to adjust claims directly for an insurance company (usually a small one), it is much more common to find independent adjusters working for a claims-handling company. These companies are commonly called IA firms (Independent Adjusting firms), but sometimes TPA s (Third-Party Administrators) or Bureaus , depending on the type of claims they handle. IA firms exist out of economic and statutory necessity; continually staffing all of the adjusters that would be needed to handle a massive number of claims from a major catastrophe within the state-required time limits would be very impractical. Therefore, the relationship between IA firms and carriers has evolved over time to where insurance companies fully rely on IA firms’s to handle major events or even spikes in local “daily” claims. There are quite a few IA firms. Hundreds, if you count the mom-and-pop outfits throughout the country. A few IA firms are very large, with annual revenues reaching towards half of a billion dollars, boasting tens of thousands of adjusters on their rosters and handling claims internationally.

This arrangement has lead to some interesting aspects of our industry. The insurance companies want the convenience of a large pool of overflow adjusters available through IA firms when there is a claims spike. They don’t , however, want to lose the control over the entire claim experience that they have when they handle their own claims. This creates a tension in the business, and puts a lot of pressure on the IA firms. These Independent Adjusting Firms are all vying for contracts with insurance companies, by seeking to assure them that they can do a better job of handling claims for them than their competitor. The larger, more successful IA firms have contracts with large, well-known insurance companies, and the pressure for these companies to perform and stay in good graces with them is intense. These insurance companies have elaborate methods of evaluating the performance of the IA firms to whom they contract, and – based on that rating – the IA firms can win or lose large percentages of that insurance company’s claims year-to-year.

So what does this mean for the Independent Adjuster? First, you should know that the IA firms never have enough qualified adjusters; they’re always looking to fortify their rosters with more and better adjusters. The promises they make to the insurance companies are huge, and they must have the manpower to perform. That’s the good news; IA firms always want more qualified adjusters. Of course the flip-side of the coin is that if they hire unqualified adjusters, they can do great damage to their relationship with their clients, the insurers (not to mention the tremendous burden and cost of trying to manage sub-par adjusters during a catastrophe). Now you understand why companies seem so picky about whom they hire.

The bottom-line message, though, is good news; the industry is strong, and talent is in demand.

For a list of firms that hire independent adjusters, please see our Independent Adjusting Firm Directory.


Insurance Claims Adjuster, claim adjuster jobs.#Claim #adjuster #jobs


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Edith “Edie” Windsor, who sued the government for failing to recognize her marriage to her late spouse, Thea Spyer, asked the U.S. Supreme Court today to hear her challenge to the so-called “Defense of Marriage Act” (DOMA). Full Story

In addition to suspending the 10 percent surcharge rule on property insurance provided by Louisiana’s property insurer of last resort in certain coastal parishes, recently passed state legislation includes provisions for allowing electronic proof of Full Story

This year’s Atlantic hurricane season got off to a busy start, with six named storms to date, and may have a busy second half, according to the updated hurricane season outlook issued today by government weather forecasters. Full Story

A former Plainville, Conn., doctor has been sentenced to four months in prison for dealing prescription drugs Full Story

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Insurance Claims Adjuster Training, Jobs – Career Services, claims adjuster jobs.#Claims #adjuster #jobs


claims adjuster jobs

The MHA Scope Writing Team is comprised of Xactimate Level III licensed adjusters that review your file notes in detail, confirm that all the necessary information is included, produce a scope in Xactimate and work diligently to return your file(s) within *48 hours.

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Adjusting, Appraisals, Expert Witnesses

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Do you need an independent appraisal or an expert witness for litigation or claims support? Mile High Adjusters employs the resources to provide superlative quality of service in these fields. A qualified third party can provide the credibility required to support your claim and achieve the results you deserve. Call the MHA Team today and learn how we can best serve you!

Mile High Training Facility

Claims adjuster jobs

The Mile High House is the newest addition to our training facility. With a full frame, roof, doors, windows, siding, insulation, drywall, kitchen, and bathroom, this is an essential tool for new or inexperienced adjusters to learn advanced scoping techniques in a hands-on setting. This facility can also be very beneficial to the experienced adjuster who is looking to improve their efficiency in the field. As we all know, there is no perfect substitute for real-world claims handling, but the Mile High House in combination with our experienced instructors comes pretty close.

Claims adjuster jobsClaims adjuster jobs

Professional Experience

At Mile High Adjusters, you’ll find a high-quality claims adjuster training and licensing school staffed by instructors who are also Xactimate property claims software professionals. In addition to providing the insurance adjuster job training that helps our students find claims adjuster jobs, we provide catastrophe and daily insurance claim management services.

In order to efficiently address our clients’ needs, we utilize the most current technology. But technology would get us nowhere without the care and attention we show about meeting our customers’ needs. In all we do, we show how much we want to meet your needs.

Personalized Service

Claims adjuster jobs

Mile High Adjusters strives to serve our clients’ and customers’ needs and to exceed their expectations. Our goal is not simply to get individuals licensed to handle insurance claims, but also to produce professionals through our thorough claims adjuster training process. We understand claim management has evolved over the years, which is why we complement the process by delivering quality insurance claim management by professional and well-trained claims adjusters.


Insurance Claims Adjuster Training, Jobs – Career Services, property claims adjuster jobs.#Property #claims #adjuster #jobs


property claims adjuster jobs

The MHA Scope Writing Team is comprised of Xactimate Level III licensed adjusters that review your file notes in detail, confirm that all the necessary information is included, produce a scope in Xactimate and work diligently to return your file(s) within *48 hours.

Property claims adjuster jobs

Property claims adjuster jobs

Property claims adjuster jobs

Property claims adjuster jobs

Property claims adjuster jobs

Property claims adjuster jobs

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6

Adjusting, Appraisals, Expert Witnesses

Property claims adjuster jobs

Do you need an independent appraisal or an expert witness for litigation or claims support? Mile High Adjusters employs the resources to provide superlative quality of service in these fields. A qualified third party can provide the credibility required to support your claim and achieve the results you deserve. Call the MHA Team today and learn how we can best serve you!

Mile High Training Facility

Property claims adjuster jobs

The Mile High House is the newest addition to our training facility. With a full frame, roof, doors, windows, siding, insulation, drywall, kitchen, and bathroom, this is an essential tool for new or inexperienced adjusters to learn advanced scoping techniques in a hands-on setting. This facility can also be very beneficial to the experienced adjuster who is looking to improve their efficiency in the field. As we all know, there is no perfect substitute for real-world claims handling, but the Mile High House in combination with our experienced instructors comes pretty close.

Property claims adjuster jobsProperty claims adjuster jobs

Professional Experience

At Mile High Adjusters, you’ll find a high-quality claims adjuster training and licensing school staffed by instructors who are also Xactimate property claims software professionals. In addition to providing the insurance adjuster job training that helps our students find claims adjuster jobs, we provide catastrophe and daily insurance claim management services.

In order to efficiently address our clients’ needs, we utilize the most current technology. But technology would get us nowhere without the care and attention we show about meeting our customers’ needs. In all we do, we show how much we want to meet your needs.

Personalized Service

Property claims adjuster jobs

Mile High Adjusters strives to serve our clients’ and customers’ needs and to exceed their expectations. Our goal is not simply to get individuals licensed to handle insurance claims, but also to produce professionals through our thorough claims adjuster training process. We understand claim management has evolved over the years, which is why we complement the process by delivering quality insurance claim management by professional and well-trained claims adjusters.


Claims Adjuster Job Description – Job Descriptions, property claims adjuster jobs.#Property #claims #adjuster #jobs


Claims Adjuster Job Description

Individuals and business owners purchase insurance policies as a means of protecting their assets. In case of a loss, policyholders submit a claim for payment to their insurance company so that they can be compensated for the loss. A Claims adjuster’s job is to handle the claims that policyholders and claimants file with the insurance company. Claims adjusters have the job of thoroughly investigating a claim, determining if payment is warranted, negotiating a financial settlement on the claim, and authorizing payments to the policyholder or claimant.

Job Responsibilities

Once the policyholder makes a claim on their insurance policy, the claims adjuster will first investigate the claim in order to determine if the policy will cover the damages that are being claimed. The adjuster will also investigate the claim in order to determine if the claim is legitimate. This is necessary part of a claims adjuster’s job since many policyholders file fraudulent claims each year as an attempt to get money from the insurance company.

Claims investigation requires interviewing policyholders, claimants and witnesses. In many cases, other members of the community need to be interviewed by the claims adjuster as well. Police officers, physicians, lawyers, accountants and other professionals often have to make statements during the claims investigation process. Other information that a claims adjuster may have to collect include hospital records, photos of property damage, videos of damage occurring and other pertinent information required to fully evaluate a claim.

This type of in depth investigation is especially required if criminal activity or fraud is suspected. If the adjuster determines that the claim on the policy is legitimate, the adjuster will then negotiate a settlement amount. The claims adjuster will finally decide how much money will be paid out to the policyholder or claimant in damages.

Training and Education Requirements

Most insurance companies prefer that claims adjusters have a college degree, but this is not a requirement. Each employer has specific requirements for a claims adjuster positions. Most employers prefer experience in the insurance industry, while others simply require a background in accounting and business. Those with no experience in the industry may qualify for a claim’s adjuster’s job with a degree in business, finance, accounting or law.

Claims adjusters generally have to complete on-the-job training courses prior to handling claims. This training is pretty thorough and may last a few weeks to a few months depending on the insurance company. Training generally covers state laws, county laws, the claims investigation process, determining payment, the various types of insurance policies and a myriad of other topics necessary to perform the job.

Since effective communication is essential for the job, a claims adjuster must also receive training in this area. Claims adjusters work closely with policyholders, claimants, witnesses, local business owners as well as other professionals within the insurance company; it is imperative that a claims adjuster has the ability to communicate effectively. Claims adjusters must also maintain a good driving record and a valid driver’s license since travel is often required for the job.

Claims Adjuster Salary and Wages

The salary of a claims adjuster varies greatly. According to the Bureau of Labor and Statistics, the average starting salary for a claims adjuster with no experience is 27,000 per year. The average median salary for a claims adjuster is $43,000 per year. The highest ten percent of claims adjusters earn over 71,000. The lowest 10 percent of claims adjusters earn less than $26,000 per year.*

*According to the BLS, http://www.bls.gov/oco/

Along with a regular salary, claims adjusters earn significant bonuses. There is also a significant opportunity for adjusters to earn additional money during natural disasters such as hurricanes, earthquakes and tornadoes since so many experience property damage and flooding of their homes and businesses during these catastrophic times.

Certifications and License Requirements

Claims adjusters are required to maintain a license in their State of employment. The licensing requirements vary for each state. While some states have just a few requirements to obtain an adjusters license, other states require both pre-licensing courses and a passing score on the state licensing exam. Some states even require post-licensing education in order to maintain an adjuster’s license.

Most employers hire claims adjusters prior to them receiving a license. Employees generally receive job training and are required to pass state exams prior to working with policyholders and making decisions on claims. Post licensing courses are required by many employers. The updated knowledge that the adjusters receive will help to make sure that they are extremely effective in handling claims.

There are some states which allow adjusters to practice under the company’s license, meaning that the adjuster will not have to become licensed themselves. These adjusters, however, still have to undergo job training in order to maintain a position as a claims adjuster.

While certification is not required, many claims adjusters choose to pursue professional certifications from private companies so that they are independently recognized for their professional expertise.

Professional Associations

The national professional association for claims adjusters is the National Association of Independent Insurance Adjusters (NAIIA.) This organization currently has over 300 property and casualty claims adjusting companies affiliated with them. The companies affiliated with this organization are all independently owned. The mission of the NAIIA is to serve the needs of independent claims adjusters as they work hard to serve the members of their communities.

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National Association of Public Insurance Adjusters (NAPIA) is another organization designed to join claims adjusters together in order to promote a specific code of conduct, assist with certification, and to assist adjusters in filing insurance claims when necessary. This is a professional organization with members all across the United States.

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Insurance Claims Adjuster, property claims adjuster jobs.#Property #claims #adjuster #jobs


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Edith “Edie” Windsor, who sued the government for failing to recognize her marriage to her late spouse, Thea Spyer, asked the U.S. Supreme Court today to hear her challenge to the so-called “Defense of Marriage Act” (DOMA). Full Story

In addition to suspending the 10 percent surcharge rule on property insurance provided by Louisiana’s property insurer of last resort in certain coastal parishes, recently passed state legislation includes provisions for allowing electronic proof of Full Story

This year’s Atlantic hurricane season got off to a busy start, with six named storms to date, and may have a busy second half, according to the updated hurricane season outlook issued today by government weather forecasters. Full Story

A former Plainville, Conn., doctor has been sentenced to four months in prison for dealing prescription drugs Full Story

Property claims adjuster jobs


Confessions Of An Insurance Claims Adjuster, auto claims adjuster jobs.#Auto #claims #adjuster #jobs


Confessions of an insurance claims adjuster

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Photo credit: Frank Veronsky

Ever wonder what it’s like to be an insurance claims adjuster? We asked New York-based Scott Congiusti, assistant vice president of claims for HUB International insurance brokerage, to take us behind the scenes of a claims adjuster’s life.

A lot in common with being a cop

I was working as a police officer in New Jersey when I fractured my back in an off-duty accident. During my recovery, I started looking at what I could do in the private sector and wound up hiring on with Allstate, handling automobile claims. It was a good mental fit because I like figuring things out and I function best under high stress. A mundane, sedentary job would drive me nuts. Strangely enough, a lot of adjusters have a criminal justice degree; they just might not like shift work or carrying a gun.

Every day starts with the hotline

You come in every day and you have a list of automobile claims assigned to you from the 24-hour hotline. If I was lucky, I’d have two or three, but it was usually more. Still, I had more information from the hotline than I did in law enforcement, where somebody would call and say, “There’s a fight in progress,” but you didn’t know what caused it or how many were involved.

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Camera required, other gear optional

Absolutely the most important tool is a digital camera, cellphone or tablet to capture photos. You also need a lengthy tape measure, and maybe a moisture meter to detect standing water behind walls or under floors. In a catastrophe, you need protective gear and a ladder in case you have to climb on a roof. And regardless of technology, I still carry a notepad, because depending on where you are, it’s not always practical to carry a $2,000 tablet around with you.

Adjuster styles differ by insurance types

There are definitely differences between working for a publicly traded, stock-held company and (and working for) a mutual company where the clients own the company. Stock-owned companies are a little more black and white on procedures, because they’re large and have thousands of adjusters. With mutuals, the policyholder is also a shareholder, so they tend to be a little more flexible. I wouldn’t say one is better or worse than the other. They both get to the same place, just from slightly different angles.

Everybody needs their car claim done NOW!

How are we perceived by the customer? Typically, you’re the answer to their call for help. With an automobile claim, they might need a rental car or body-shop estimate, so it’s more immediate, whereas with someone’s home it is very, very personal — you’re going to be in their house. But at the end of the day, you’re seen in this positive light as the person who’s going to make their life good again.

The rarer the claim, the greater the appeal

The least frequent claims are probably the most interesting, just because they’re different. But they’re also the most disruptive to the policyholders, so they tend to be the most difficult. House fires, for example, are pretty rare — you don’t get a full house-burns-to-the-ground claim very often. They’re very tragic, very personal. There’s a lot of emotion involved, so they’re probably the most difficult to deal with on the homeowner side.

The one claim no adjuster can ever fix

On the auto side, absolutely the worst claims are fatalities. I’ve dealt with quite a few of those. There’s nothing you can say or do to make it better. I can pay them $10 million on a policy or buy them a new car or build them a new house, but it’s never going to replace the person who passed away. It’s never going to fix it, and you’re often left with this sense that you didn’t do enough, because you can’t.

Toughest part about being an adjuster?

The hardest part of my job? That’s easy: living on call. For the last eight years of my career, my cellphone has only been off when my two children were born and anytime I’m on an airplane. Otherwise it’s either on silent or just on, period. My wife’s used to seeing my phone ring at 2 or 3 in the morning and me waking up and going to get my laptop. It seems to be a reoccurrence every single Christmas Eve.

By now, I’m used to it; my family’s used to it. But for somebody coming from a typical 9-to-5 job, it can be very hard to adjust to. The trade-off for me is, I don’t work shifts anymore. Being awakened at 2 in the morning for half an hour is so much better than working midnight to 8 and trying to sleep when everybody else is outside enjoying the sunshine.


How are the claims adjusters compensated, Ampminsure, auto claims adjuster jobs.#Auto #claims #adjuster #jobs


How are the claims adjusters compensated?

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Can anyone out there tell me how claims adjusters are paid? Are they on a salary, paid by the hour or paid a percentage of the claim they adjusted or a combination of the said above?

Auto claims adjuster jobs

Auto claims adjuster jobs

Most of the inside adjusters, who work for the insurance companies, are salaried. They, generally, don’t earn commissions for the cases. Most of them earn fixed compensation, irrespective of the number of cases they handle.

However, the independent claims adjusters or contractual adjuster are paid on per claim basis. They may earn a percentage of the claims settled, depending upon the nature of the claim.

Auto claims adjuster jobs

Auto claims adjuster jobs

Are you aspiring to become an adjuster?

Well, the pay structure of the adjusters varies widely with the companies. And also depends upon the type of claim settlement you are associated with. An auto adjuster may make around $20,000 a year, whereas, the property claims adjusters can make over $40, 000. Do a bit of research on the compensation structure, before joining a company. You can get a fair idea by searching over net.

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Ho honestr, it seems that the other posters have guided you quite appropriately.

It can be any of the three ways you have mentioned. There are many adjusters, mostly the independent ones, who earn on hourly basis. The public adjuster may fall into this category as well.

If you hire an independent adjuster, you may also have to bear their travel expenses, in addition to their pay. Therefore, you need to evaluate the worth of your claim before deciding upon hiring an independent adjuster.

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if some claims adjusters are paid ascertain percentage of what the actual claim is, what or who stops the adjuster from inflating the cost of repairing the damages and lining his pockets? and don’t say the homeowner because there more than happy to have their 5 or 10 yr. old big screen t.v. replaced with a brand new one. even though their t.v. was not damaged in any way shape or form from their mishap. ie watr seepage into rec room or small kichen fire

Auto claims adjuster jobs

Auto claims adjuster jobs

I think I know what the OP wants from another post.

It does depend. if they work exclusively for one company they are (more than likely) salaried. they may be paid hourly but either way they ARE NOT paid by the claim or the amount of the claim.

Some independent companies pay commission that is a percentage of the total payment. now a public adjuster (in most cases) is paid like an attorney, a percentage of the settlement or on a contingency basis meaning they get nothing if they don’t collect. remember public adjusters are (usually) hired by a person, (that is generally unhappy with the offer their company has made). independent adjusters (again usually) are hired by an insurance company that just doesn’t happen to have an adjuster of their own in the area. these are usually contracted prices. that the ins company pays. to the independent adjuster or appraiser.

If this is an independent adjusting company that has a bad adjuster or one the you think is taking kick backs, not only do you need to notify the owner of the independent company but the insurance carriers that adjuster works for thur that independent company. confusing?

example: ins company ‘a’, has no adjusters within 100 miles of ”po-dunk, missouri’ so they hire, ‘abc indepent adjusting company” that is owned by albert the genius. albert has six adjuster that work for abc, and he assigns claims to them as they come in. albert may pay them by the claim or a flat rate, or even an hourly or salaried rate. ins company ‘a’ calls abert to have one of his adjusters go look at a car/home whatever and complete an inspection and est that is eventually forwarded on to the supervising adjuster at company’a’. albert is paid a fee (usually one that has been nego. and contracted for all their claims in the area), by ins co ‘a’. but barney the bad adjuster is actually employed and paid by albert. understand?

“Never, never be afraid to do what’s right, especially if the well being of a person or animal is at stake. Society’s punishments are small compared to the wounds we inflict on our soul when we look the other way.” Martin Luther King Jr.

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How to Become an Independent Claims Adjuster, auto claims adjuster jobs.#Auto #claims #adjuster #jobs


How to Become an Independent Claims Adjuster

Learn how to become an independent claims adjuster. Research the job description and the education and licensing requirements, and find out how to start a career in insurance claims. View article

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    • 0:03 Independent Claims Adjuster
    • 2:12 Step 1: Get a Degree
    • 2:44 Step 2: Complete Pre-Licensing
    • 3:53 Step 3: Pass the
    • 5:03 Step 4: Gain Experience
    • 5:40 Step 5: Maintain Licensure

    Video Transcript

    Independent Claims Adjuster

    So you think you might like to become an independent claims adjuster? Independent claims adjusters handle insurance claims for the loss of property, damages, or personal injury. They examine claims, negotiate settlements, and approve or reject claim payments. A claims adjuster may be tasked with interviewing police, medical professionals, witnesses, attorneys, or claimants to compile information regarding accidents and any resulting injuries. The claims adjuster then uses the information compiled from the interviews to complete a report and determine whether and how much to pay a claimant.

    The adjuster must stay abreast of and work within the guidelines of insurance company regulations. Independent claims adjusters can work for many insurance companies, or they can work on a contractual basis in a designated area for one insurance company. Long hours might be worked and adjusters must often schedule their tasks according to the availability of those they need to interview. Additionally, the pay for these workers was higher than the average in 2012, according to the U.S. Bureau of Labor Statistics.

    Career Requirements

    So what are the career requirements for an independent claims adjuster?

    Sources: Online job postings (December 2012), U.S. Bureau of Labor Statistics

    Step 1: Get a Degree

    Most insurance companies prefer that claims adjusters have an associate’s or bachelor’s degree. Colleges and universities might offer degree programs specific to the industry, such as an associate’s degree in insurance services or a bachelor’s degree in risk assessment and insurance. Coursework is designed to help students gain an understanding of the industry with classes in business, finance, risk management, and law. Some degree programs include an insurance industry internship and licensing exams.

    Step 2: Complete Pre-Licensing

    Approximately one-third of all states require licensing in order to become an independent claims adjuster. In these states, candidates must pass a licensing exam that covers the basics of adjusting, take an accepted course in insurance on loss adjusting, supply character references, be a state resident, submit a surety bond, and meet minimum age requirements.

    To prepare for the test, the applicant can take pre-licensing courses, which are available online and in the classroom through both public schools and private companies. Pre-licensing courses for insurance adjusters are typically around 40 hours long and may be completed in four days to a week. In some states, such as Florida and Texas, completion of a course exempts the student from taking the state exam.

    Success Tip

    Be able to pass a background check. As part of the procedure for applying for a license, applicants usually undergo a background check, which includes fingerprinting and possibly a criminal records search. Certain felony convictions preclude a person from becoming an insurance claims adjuster, according to federal law.

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    Step 3: Pass the Licensing Exam

    Each state has different regulations for adjusters, with most requiring a license acquired through examinations or by completing the required paperwork along with a fee. The claim adjuster licensing exam format varies from state to state, as does the length and specific content. For example, in California, the areas covered include the Adjuster’s Act, agency law, investigation techniques, and several types of insurance coverage, such as auto, business income, and business owners’ policies. In Idaho, 41 questions test knowledge of insurance terms and related concepts as well as types of policies.

    Some private associations also offer certification, including the International Claims Association (ICA), which provides members with experience and the knowledge needed to be a successful adjuster. The Associate, Life and Health Claims (ALHC) professional designation exam offered by the ICA usually takes two to three months of preparation coursework and certifies members to work as public claims adjusters.

    Step 4: Gain Experience

    Experience through an entry-level position or internship in the insurance field can provide a foundation in the information and specific processes necessary for claims adjusters to do their jobs within the guidelines of the law. Many insurance companies offer internships or trainee positions that provide an inside look into how claims are processed through shadowing claims adjusters. Claims adjusters should have knowledge of how claim quotes work, laws specific to the insurance industry, and medical terms, as well a good sense of debating skills to be able to support claim figures.

    Step 5: Maintain Licensure

    States that require licenses may also require continuing education credits to renew the license. An independent claims adjuster can acquire these credits from Internet correspondence courses and employer-provided training sessions that address new trends in the industry. Credits may also be earned by publishing articles or giving lectures about the insurance claims industry.

    For example, in Minnesota, an independent claims adjuster must complete a minimum of 24 hours of continuing education courses of which three hours must be in ethics every two years. In California, the requirement is also 24 hours during the 2-year term.

    Success Tip

    Join a professional organization. Organizations, such as The National Association of Independent Insurance Adjusters (NAIIA), offer members opportunities for continuing education, conferences, and courses to enhance knowledge of ethics in the work place.

    Earn a degree, prepare for the licensing exam, pass the exam, gain some experience, and maintain licensure, are the steps on the path to making a great career as an independent claims adjuster.