An insurance adjuster, particularly an independent adjuster, has significant freedom and power…and therefore he or she also has a significant responsibility. Temptations to abuse the position i. Crime may pay in some professions but not in insurance adjusting.
An unethical adjuster — and this is best-case scenario — will be likely to find themselves out of work. Worst case? Loss of license and possible criminal prosecution. Knowing how to read an insurance policy is fundamental to proper insurance claims adjusting. But the real skill is in applying the policies within the context of very specific aspects of a particular insurance claim. Excellence in adjusting is as much art as science — formulas and rules can lead you through the black and white but when grey areas arise an adjuster must rely upon intuition, conscience, and experience — in short, good judgment.
Our courses will help. Experience will help. Asking questions of your colleagues, superiors, and industry leaders will help. Being familiar with the makeup of the property you are investigating is obviously essential. The goal of the insurance adjuster is to compensate the homeowner, car owner, or business owner to an extent sufficient to return their property to its pre-damaged condition. Understanding how those properties are constructed, from foundation to roof, is indispensable in coming to a fair and accurate claim settlement amount.
Much like insurance policy knowledge, this is something you can control. Take courses or get your certifications, read books, and learn the basics. The rest will come with time and experience. Sometimes claims adjusters find themselves confronted with seemingly impossible situations. Difficulties ranging from language barriers, unresponsive claimants, impassable roads, and software bugs can make an insurance adjuster long for greener pastures. Sign in.
My World of Work. Sign in Register. My career options. Insurance claims handler Alternative job titles: claims administrator claims settler claims technician claims assessor claims investigator claims negotiator.
Bookmark Share. Job category: Financial services. Career outlook for insurance claims handler Figures and forecasts for roles at the same level, which require similar skills and qualifications. Currently employed in Scotland 5, What's it like? You would: Take details when a customer reports a claim Send them claim forms Explain the claims process to customers Check that the person has kept up the payments for the insurance policy Check insurance claims that the policy covers the claim Collect information such as receipts, photographs or valuations Tell customers how their claim might affect their future insurance payments Arrange payments on straightforward claims Refer doubtful, complex or high-value claims to a claims manager You might also arrange for trades people to make repairs to property or buildings which have been damaged.
Working conditions Hours. In a full-time job you would work 35 to 40 hours a week, in an insurance office or contact centre. You might work standard office hours Monday to Friday, or shifts including evenings and weekends in a contact centre. Part-time work is often available. You would be office-based, and spend most of your time speaking on the phone and using a computer. Discover my route. Top skills Here are some of the skills needed for this job.
Sign in to see how your skills match up. Use the Skills Explorer tool. Getting in Related careers Related industries More information. Getting in Entry requirements for courses can change. Foundation Apprenticeships Choosing a Foundation Apprenticeship as one of your subjects in S5 and S6 can help you get a head start with this type of job. Useful subjects English required by most employers and courses Maths required by most employers and courses Accounts Economics Business subjects ICT subjects.
You will also need Once in the job a range of professional qualifications are available. Related careers Related Job Profiles Finance analyst. Payroll administrator. Accounts assistant. Accounting technician. Tax inspector. Bank manager. Investment banker. Banking customer service adviser.
Then I put a payment through for authorisation and contact the customer to let them know. We support all kinds of different customers and I really like the variety of it all — every day brings something new and different. Within my department, most people start off as claims handlers and are placed in a development framework starting on foundation.
As a claims handler there are 3 levels you can work through. So you can progress quite quickly if you want to.
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