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Summary Report for:
13-1031.02 - Insurance Adjusters, Examiners, and Investigators

Investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.

Sample of reported job titles: Claim Representative, Claims Adjuster, Claims Analyst, Claims Examiner, Claims Representative, Claims Specialist, Field Liability Generalist, General Adjuster, Independent Insurance Adjuster, Litigation Claim Representative

View report: Summary  Details  Custom

Tasks  |  Tools & Technology  |  Knowledge  |  Skills  |  Abilities  |  Work Activities  |  Detailed Work Activities  |  Work Context  |  Job Zone  |  Education  |  Credentials  |  Interests  |  Work Styles  |  Work Values  |  Related Occupations  |  Wages & Employment  |  Job Openings  |  Additional Information

Tasks

  • Examine claims forms and other records to determine insurance coverage. See more occupations related to this task.
  • Investigate and assess damage to property and create or review property damage estimates. See more occupations related to this task.
  • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review. See more occupations related to this task.
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. See more occupations related to this task.
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated. See more occupations related to this task.
  • Analyze information gathered by investigation, and report findings and recommendations. See more occupations related to this task.
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. See more occupations related to this task.
  • Prepare report of findings of investigation. See more occupations related to this task.
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement. See more occupations related to this task.
  • Collect evidence to support contested claims in court. See more occupations related to this task.
  • Obtain credit information from banks and other credit services. See more occupations related to this task.
  • Examine titles to property to determine validity and act as company agent in transactions with property owners. See more occupations related to this task.
  • Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit. See more occupations related to this task.

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Tools & Technology

Tools used in this occupation:

  • Automotive computer systems — Event data recorders See more occupations related to this tool.
  • Desktop computers See more occupations related to this tool.
  • Measuring wheels for distance — Measure markers See more occupations related to this tool.
  • Personal digital assistant PDAs or organizers — Personal digital assistants PDA See more occupations related to this tool.
  • Portable data input terminals — Data collectors; Field computers; Handheld computers; Mobile wireless handheld communication devices See more occupations related to this tool.
  • Theodolites — Total stations See more occupations related to this tool.

Technology used in this occupation:

  • Access software — CCC EZNet electronic communications network; CSC Automated Work Distributor AWD See more occupations related to this technology.
  • Analytical or scientific software — Injury Sciences EDR InSight; Insurance claims fraud detection software; Magnify Predictive Targeting System See more occupations related to this technology.
  • Computer aided design CAD software — 4n6xprt Systems StiffCalcs; ARSoftware WinSMAC; MapScenes Evidence Recorder; Visual Statement Investigator Suite (see all 7 examples) See more occupations related to this technology.
  • Data base reporting software — Corporate Systems ClaimsPro See more occupations related to this technology.
  • Data base user interface and query software — Claims processing administration and management software See more occupations related to this technology.
  • Document management software — Agency Management Systems AMS 360; BCCORP Burkitt W5; Document management system software; InSystems Calligo Document Management System (see all 19 examples) See more occupations related to this technology.
  • Enterprise resource planning ERP software — CCC Pathways Appraisal Quality Solution See more occupations related to this technology.
  • Expert system software — Axonwave Fraud and Abuse Management System; Bill review software; LexisNexis RiskWise; StrataCare StrataWare eReview (see all 12 examples) See more occupations related to this technology.
  • Financial analysis software — Automatic Data Processing Estimating; QwikQuote software; Simsol for Adjusters; Turtle Creek Software Goldenseal Architect (see all 7 examples) See more occupations related to this technology.
  • Information retrieval or search software — CGI-AMS BureauLink Enterprise See more occupations related to this technology.
  • Interactive voice response software — Computerized voice stress analyzer CVSA software See more occupations related to this technology.
  • Office suite software — Microsoft Office software See more occupations related to this technology.
  • Spreadsheet software — Microsoft Excel See more occupations related to this technology.
  • Word processing software — Microsoft Word See more occupations related to this technology.

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Knowledge

  • English Language — Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. See more occupations related to this knowledge.
  • Customer and Personal Service — Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. See more occupations related to this knowledge.
  • Clerical — Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology. See more occupations related to this knowledge.
  • Law and Government — Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process. See more occupations related to this knowledge.
  • Mathematics — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications. See more occupations related to this knowledge.

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Skills

  • Active Listening — Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times. See more occupations related to this skill.
  • Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. See more occupations related to this skill.
  • Reading Comprehension — Understanding written sentences and paragraphs in work related documents. See more occupations related to this skill.
  • Speaking — Talking to others to convey information effectively. See more occupations related to this skill.
  • Negotiation — Bringing others together and trying to reconcile differences. See more occupations related to this skill.
  • Writing — Communicating effectively in writing as appropriate for the needs of the audience. See more occupations related to this skill.
  • Active Learning — Understanding the implications of new information for both current and future problem-solving and decision-making. See more occupations related to this skill.
  • Judgment and Decision Making — Considering the relative costs and benefits of potential actions to choose the most appropriate one. See more occupations related to this skill.
  • Social Perceptiveness — Being aware of others' reactions and understanding why they react as they do. See more occupations related to this skill.
  • Complex Problem Solving — Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions. See more occupations related to this skill.
  • Time Management — Managing one's own time and the time of others. See more occupations related to this skill.
  • Coordination — Adjusting actions in relation to others' actions. See more occupations related to this skill.
  • Mathematics — Using mathematics to solve problems. See more occupations related to this skill.
  • Persuasion — Persuading others to change their minds or behavior. See more occupations related to this skill.
  • Service Orientation — Actively looking for ways to help people. See more occupations related to this skill.

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Abilities

  • Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences. See more occupations related to this ability.
  • Oral Expression — The ability to communicate information and ideas in speaking so others will understand. See more occupations related to this ability.
  • Written Comprehension — The ability to read and understand information and ideas presented in writing. See more occupations related to this ability.
  • Deductive Reasoning — The ability to apply general rules to specific problems to produce answers that make sense. See more occupations related to this ability.
  • Inductive Reasoning — The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events). See more occupations related to this ability.
  • Speech Clarity — The ability to speak clearly so others can understand you. See more occupations related to this ability.
  • Near Vision — The ability to see details at close range (within a few feet of the observer). See more occupations related to this ability.
  • Problem Sensitivity — The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem. See more occupations related to this ability.
  • Written Expression — The ability to communicate information and ideas in writing so others will understand. See more occupations related to this ability.
  • Information Ordering — The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). See more occupations related to this ability.
  • Speech Recognition — The ability to identify and understand the speech of another person. See more occupations related to this ability.
  • Category Flexibility — The ability to generate or use different sets of rules for combining or grouping things in different ways. See more occupations related to this ability.
  • Number Facility — The ability to add, subtract, multiply, or divide quickly and correctly. See more occupations related to this ability.
  • Selective Attention — The ability to concentrate on a task over a period of time without being distracted. See more occupations related to this ability.
  • Far Vision — The ability to see details at a distance. See more occupations related to this ability.
  • Mathematical Reasoning — The ability to choose the right mathematical methods or formulas to solve a problem. See more occupations related to this ability.
  • Perceptual Speed — The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object. See more occupations related to this ability.
  • Speed of Closure — The ability to quickly make sense of, combine, and organize information into meaningful patterns. See more occupations related to this ability.
  • Flexibility of Closure — The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material. See more occupations related to this ability.

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Work Activities

  • Identifying Objects, Actions, and Events — Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events. See more occupations related to this activity.
  • Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information. See more occupations related to this activity.
  • Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources. See more occupations related to this activity.
  • Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form. See more occupations related to this activity.
  • Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data. See more occupations related to this activity.
  • Evaluating Information to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards. See more occupations related to this activity.
  • Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems. See more occupations related to this activity.
  • Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person. See more occupations related to this activity.
  • Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work. See more occupations related to this activity.
  • Resolving Conflicts and Negotiating with Others — Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others. See more occupations related to this activity.
  • Communicating with Persons Outside Organization — Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail. See more occupations related to this activity.
  • Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job. See more occupations related to this activity.
  • Judging the Qualities of Things, Services, or People — Assessing the value, importance, or quality of things or people. See more occupations related to this activity.
  • Analyzing Data or Information — Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts. See more occupations related to this activity.
  • Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time. See more occupations related to this activity.
  • Estimating the Quantifiable Characteristics of Products, Events, or Information — Estimating sizes, distances, and quantities; or determining time, costs, resources, or materials needed to perform a work activity. See more occupations related to this activity.
  • Performing Administrative Activities — Performing day-to-day administrative tasks such as maintaining information files and processing paperwork. See more occupations related to this activity.
  • Interpreting the Meaning of Information for Others — Translating or explaining what information means and how it can be used. See more occupations related to this activity.
  • Performing for or Working Directly with the Public — Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests. See more occupations related to this activity.
  • Monitor Processes, Materials, or Surroundings — Monitoring and reviewing information from materials, events, or the environment, to detect or assess problems. See more occupations related to this activity.
  • Inspecting Equipment, Structures, or Material — Inspecting equipment, structures, or materials to identify the cause of errors or other problems or defects. See more occupations related to this activity.

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Detailed Work Activities

  • Collect evidence for legal proceedings. See more occupations related to this activity.
  • Prepare legal or investigatory documentation. See more occupations related to this activity.
  • Estimate costs of goods or services. See more occupations related to this activity.
  • Appraise property values. See more occupations related to this activity.
  • Interview witnesses, suspects, or claimants. See more occupations related to this activity.
  • Calculate data to inform organizational operations. See more occupations related to this activity.
  • Advise others on legal or regulatory compliance matters. See more occupations related to this activity.
  • Investigate legal issues. See more occupations related to this activity.
  • Negotiate agreements to resolve disputes. See more occupations related to this activity.
  • Gather financial records. See more occupations related to this activity.
  • Verify accuracy of records. See more occupations related to this activity.
  • Report information to managers or other personnel. See more occupations related to this activity.
  • Verify application data to determine program eligibility. See more occupations related to this activity.

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Work Context

  • Frequency of Decision Making — 82% responded “Every day.” See more occupations related to this work context.
  • Electronic Mail — 85% responded “Every day.” See more occupations related to this work context.
  • Letters and Memos See more occupations related to this work context.
  • Face-to-Face Discussions — 69% responded “Every day.” See more occupations related to this work context.
  • Telephone — 15% responded “Once a month or more but not every week.” See more occupations related to this work context.
  • Impact of Decisions on Co-workers or Company Results — 60% responded “Very important results.” See more occupations related to this work context.
  • Importance of Being Exact or Accurate — 61% responded “Extremely important.” See more occupations related to this work context.
  • Time Pressure — 62% responded “Every day.” See more occupations related to this work context.
  • Indoors, Environmentally Controlled — 77% responded “Every day.” See more occupations related to this work context.
  • Spend Time Sitting — 60% responded “Continually or almost continually.” See more occupations related to this work context.
  • Contact With Others — 15% responded “Occasional contact with others.” See more occupations related to this work context.
  • Freedom to Make Decisions — 45% responded “A lot of freedom.” See more occupations related to this work context.
  • Frequency of Conflict Situations — 46% responded “Every day.” See more occupations related to this work context.
  • Deal With Unpleasant or Angry People — 39% responded “Every day.” See more occupations related to this work context.
  • Structured versus Unstructured Work — 49% responded “A lot of freedom.” See more occupations related to this work context.
  • Deal With External Customers — 24% responded “Not important at all.” See more occupations related to this work context.
  • Work With Work Group or Team — 44% responded “Important.” See more occupations related to this work context.
  • Importance of Repeating Same Tasks — 30% responded “Extremely important.” See more occupations related to this work context.
  • Spend Time Making Repetitive Motions — 31% responded “More than half the time.” See more occupations related to this work context.
  • Duration of Typical Work Week — 52% responded “40 hours.” See more occupations related to this work context.
  • Degree of Automation — 33% responded “Moderately automated.” See more occupations related to this work context.
  • Physical Proximity — 37% responded “Moderately close (at arm's length).” See more occupations related to this work context.
  • Level of Competition — 57% responded “Moderately competitive.” See more occupations related to this work context.

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Job Zone

Title Job Zone Three: Medium Preparation Needed
Education Most occupations in this zone require training in vocational schools, related on-the-job experience, or an associate's degree.
Related Experience Previous work-related skill, knowledge, or experience is required for these occupations. For example, an electrician must have completed three or four years of apprenticeship or several years of vocational training, and often must have passed a licensing exam, in order to perform the job.
Job Training Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers. A recognized apprenticeship program may be associated with these occupations.
Job Zone Examples These occupations usually involve using communication and organizational skills to coordinate, supervise, manage, or train others to accomplish goals. Examples include food service managers, electricians, agricultural technicians, legal secretaries, occupational therapy assistants, and medical assistants.
SVP Range (6.0 to < 7.0)

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Education


Percentage of Respondents
Education Level Required
35   Bachelor's degree
25   Post-secondary certificate Help
14   Post-baccalaureate certificate Help

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Credentials

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Interests

Interest code: CE

  • Conventional — Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow. See more occupations related to this interest.
  • Enterprising — Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business. See more occupations related to this interest.

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Work Styles

  • Attention to Detail — Job requires being careful about detail and thorough in completing work tasks. See more occupations related to this work style.
  • Dependability — Job requires being reliable, responsible, and dependable, and fulfilling obligations. See more occupations related to this work style.
  • Stress Tolerance — Job requires accepting criticism and dealing calmly and effectively with high stress situations. See more occupations related to this work style.
  • Integrity — Job requires being honest and ethical. See more occupations related to this work style.
  • Self Control — Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations. See more occupations related to this work style.
  • Cooperation — Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude. See more occupations related to this work style.
  • Initiative — Job requires a willingness to take on responsibilities and challenges. See more occupations related to this work style.
  • Adaptability/Flexibility — Job requires being open to change (positive or negative) and to considerable variety in the workplace. See more occupations related to this work style.
  • Analytical Thinking — Job requires analyzing information and using logic to address work-related issues and problems. See more occupations related to this work style.
  • Independence — Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done. See more occupations related to this work style.
  • Achievement/Effort — Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks. See more occupations related to this work style.
  • Persistence — Job requires persistence in the face of obstacles. See more occupations related to this work style.
  • Concern for Others — Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job. See more occupations related to this work style.
  • Social Orientation — Job requires preferring to work with others rather than alone, and being personally connected with others on the job. See more occupations related to this work style.
  • Leadership — Job requires a willingness to lead, take charge, and offer opinions and direction. See more occupations related to this work style.

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Work Values

  • Support — Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical. See more occupations related to this work value.
  • Relationships — Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service. See more occupations related to this work value.
  • Independence — Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy. See more occupations related to this work value.

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Related Occupations

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Wages & Employment Trends

Median wages data collected from Claims Adjusters, Examiners, and Investigators.
Employment data collected from Claims Adjusters, Examiners, and Investigators.
Industry data collected from Claims Adjusters, Examiners, and Investigators.

Median wages (2014) $29.91 hourly, $62,220 annual
State wages Local Salary Info
 
Employment (2012) 298,000 employees
Projected growth (2012-2022) Slower than average (3% to 7%) Slower than average (3% to 7%)
Projected job openings (2012-2022) 80,300
State trends Employment Trends
 
Top industries (2012)

Source: Bureau of Labor Statistics 2014 wage data external site and 2012-2022 employment projections external site. "Projected growth" represents the estimated change in total employment over the projections period (2012-2022). "Projected job openings" represent openings due to growth and replacement.

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Job Openings on the Web

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Sources of Additional Information

Disclaimer: Sources are listed to provide additional information on related jobs, specialties, and/or industries. Links to non-DOL Internet sites are provided for your convenience and do not constitute an endorsement.

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