Insurance Adjuster/Examiner  What They Do

Just the Facts


Investigates, analyzes, and determines the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempts to effect settlement with claimants. Corresponds with or interviews medical specialists, agents, witnesses, or claimants to compile information. Calculates benefit payments and approves payment of claims within a certain monetary limit.

This career is part of the Finance cluster Insurance pathway.


A person in this career:

  • Examines claims forms and other records to determine insurance coverage.
  • Investigates and assesses damage to property and creates or reviews property damage estimates.
  • Interviews or corresponds with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
  • Reviews police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
  • Negotiates claim settlements and recommends litigation when settlement cannot be negotiated.
  • Analyzes information gathered by investigation and report findings and recommendations.
  • Interviews or corresponds with agents and claimants to correct errors or omissions and to investigate questionable claims.
  • Prepares report of findings of investigation.
  • Refers questionable claims to investigator or claims adjuster for investigation or settlement.
  • Collects evidence to support contested claims in court.

Insider Info

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Insurance Adjusters, Examiners, and Investigators

Working Conditions and Physical Demands

People who do this job report that:

  • You would sit most of the time. There's some walking and standing. You may have to lift and carry things like books, papers or tools weighing 10 lbs. or less.
  • Work in this occupation requires being inside most of the time
  • Work in this occupation involves making repetitive motions more than one-third of the time
  • Work in this occupation involves sitting more than one-third of the time

Working in this career involves (physical activities):

  • Seeing clearly at a distance
  • Seeing clearly up close
  • Speaking clearly enough to be able to be understood by others
  • Identifying and understanding the speech of another person

Work Hours and Travel

  • Irregular hours
  • Overnight travel

Specialty and Similar Careers

Careers that are more detailed or close to this career:

  • Disability Examiner -- Reviews disability claims that are filed to determine if the reason is legitimate.
  • Arson Investigator -- Examines intentionally set fires in order to determine why they were set; for example some are set purposely in order to recover money from an insurance claim or cover up another crime.
  • Litigation Claim Representative --
  • Accident Investigator --