Claims Adjuster Job Description

What is a Claims Adjuster?

Claims adjusters are responsible for evaluating insurance claims on behalf of insurance companies in order to determine who is liable. They investigate the circumstances of insurance claims by consulting with witnesses, reviewing police reports, and compiling evidence from other sources. They will negotiate claim settlements and oversee that claims are paid out to policyholders. Claims adjusters make work for insurance companies, agencies, government organizations, health insurance carriers, or more. Because they must interview and meet with clients, claims adjusters often work irregular schedules and may even be required to visit accident sites, auto repair shops, etc, in person.

Most claims adjusters hold a bachelor's degree, but generally a high school diploma is all the education that is required for this position. Because of the investigative nature of the job, analytical and critical thinking skills are essential qualities for these individuals. They must also be detail oriented and possess strong communication skills in order to provide quality service to their clients.

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Claims Adjuster Job Description Template

Job Overview

Here at XYZ Inc., we are the leading company in our industry in the Capital City area. We're pleased to have a 3.8 Glassdoor rating from our employees. We are hiring an experienced Claims Adjuster to help us keep growing. If you're dedicated and ambitious, XYZ Inc. is an excellent place to grow your career. Don't hesitate to apply.

Responsibilities for Claims Adjuster

  • Investigate the nature of the damage being claimed
  • Interview witnesses to understand the nature of the claim and gain an understanding of what occurred prior to the claim
  • Evaluate police reports, video footage, previous insurance claims and other information to further understand the incident
  • Create reports detailing the events and damage related to the claim
  • Research the costs of repairing the damage
  • Review the claim-holder's insurance policy in order to determine what should be covered
  • Coordinate the services of mechanics, architects, contractors, etc in order to ensure damage is repaired
  • Negotiate claim settlements with claimants and/or their legal teams

Qualifications for Claims Adjuster

  • 2+ years prior experience in a similar role is strongly preferred
  • Superior communication skills are essential for success in this role as you will be responsible for meeting with everyone from claimants to lawyers and witnesses
  • Analytical thinking skills are needed in order to properly evaluate complex claims
  • A strong attention to detail is necessary as claims adjusters must carefully review documents and policies
  • Solid writing skills are an asset as you will be responsible for creating claim reports
  • Skill and experience with negotiations
  • Ability to speak a second language is an asset
  • Sound computer skills or the ability to quickly learn new software
  • A strong work ethic and time management skills in order to efficiently handle a large caseload

Employers: How to Write Great Job Descriptions

  • Be sure to mention requisite years of experience and educational requirements
  • Tell job seekers what's unique about your company and job
  • Ideal length is a few paragraphs or about 200 words
  • Make sure to use appropriate paragraph breaks and bullet points so it’s easy on the eyes.

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