Claims Adjuster
A Claims Adjuster is a professional who evaluates insurance claims and decides how much money an insurance company should pay for losses or damages. They act like investigators and negotiators, looking into the details of insurance claims for things like car accidents, home damage, or workplace injuries. Think of them as problem-solvers who determine if a claim is valid, assess the extent of damages, and ensure fair settlements. They often work for insurance companies, but can also be independent contractors or work for firms that specialize in claims adjustment.
Examples in Resumes
Investigated and processed 200+ monthly claims as a Claims Adjuster for auto and property damage
Served as Senior Claims Adjuster managing complex commercial property claims up to $500,000
Led a team of Claims Adjusters and Claims Investigators in handling natural disaster response
Worked as an Independent Claims Adjuster specializing in catastrophic event assessment
Typical job title: "Claims Adjusters"
Also try searching for:
Where to Find Claims Adjusters
Professional Associations
Job Boards
Professional Networks
Example Interview Questions
Senior Level Questions
Q: How would you handle a complex commercial claim with multiple parties involved?
Expected Answer: A senior adjuster should discuss their process for managing large-scale claims, including coordinating with multiple stakeholders, documenting all interactions, understanding coverage details, and negotiating settlements while maintaining professional relationships.
Q: Tell me about a time you had to manage a catastrophic event with multiple claims.
Expected Answer: Should demonstrate experience in organizing resources, prioritizing claims, managing a team, and handling high-pressure situations while maintaining quality and compliance standards.
Mid Level Questions
Q: How do you determine if a claim is fraudulent?
Expected Answer: Should explain their process for identifying red flags, gathering evidence, conducting interviews, and working with fraud investigation teams when necessary.
Q: How do you handle difficult conversations with claimants about denied claims?
Expected Answer: Should discuss their communication approach, explaining policy terms clearly, showing empathy while remaining professional, and documenting all interactions properly.
Junior Level Questions
Q: What steps do you take when first receiving a new claim?
Expected Answer: Should be able to outline basic claim handling steps: reviewing policy coverage, contacting involved parties, gathering documentation, and initial assessment of damages.
Q: How do you stay organized when handling multiple claims?
Expected Answer: Should discuss basic organizational skills, use of claims management systems, prioritization methods, and following up with claimants and other parties.
Experience Level Indicators
Junior (0-2 years)
- Basic claim investigation techniques
- Understanding insurance policies
- Customer service skills
- Basic damage assessment
Mid (2-5 years)
- Complex claim handling
- Negotiation skills
- Fraud detection
- Coverage analysis
Senior (5+ years)
- Catastrophic claim management
- Team leadership
- Complex commercial claims
- Strategic claim resolution
Red Flags to Watch For
- No knowledge of basic insurance terminology or policy types
- Poor communication or documentation skills
- No understanding of state insurance regulations
- Lack of experience with claims management software
- No license or certification in required states
