So you want to be an insurance adjuster? This website can help you determine if a career as an adjuster is right for you with information on what an adjuster does and how to obtain an insurance adjuster license. We have broken this article down into three sections: 1) what an adjuster does, 2) what you have to do to become an adjuster, and 3) how to get a license.
What does an adjuster do?
In a nutshell, insurance adjusters and examiners decide how much to pay on insurance claims. Sounds easy, right? Maybe not. There are many things to consider, from where to get education and training to how to get insurance adjuster licenses. An adjuster might make determinations about claims arising from car accidents, burglaries and house fires, to name just a few examples.
Some basic adjuster activities and duties include:
- Inspect damaged properties or vehicles and estimate the amounts of loss involved.
- Review claims.
- Determine if the policy covers the type of damage on the claim.
- Interview and get statements from claimants, witnesses and police.
- Review hospital records and police reports.
- Write and submit reports.
- Calculate bills and costs of replacement.
- Negotiate the settlement of claims.
- Gather evidence, take photographs and meet with lawyers.
- Testify in court if required.
How do you become an adjuster?
First we will go over some basic skills and knowledge you will need as an adjuster.
- Knowledge of math, which might include basic arithmetic, algebra, geometry and statistics.
- Knowledge of laws, rules, court procedures and even the political process.
- A good working knowledge of the English language. Good verbal skills and writing skills.
- Good negotiation skills, including how to work with irate or uncooperative persons.
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