### Bureau of Labor Statistics U.S. Bureau of Labor Statistics

Claims Adjusters, Appraisers, Examiners, and Investigators Summary
                        
            
                                                        
                                                                
                        
            
            
            
                            
                                                
                                                
                                                
                                                
            									
							
				                                                
                                            




            			claims adjusters appraisers examiners and investigators imageClaims adjusters, appraisers, examiners, and investigators evaluate insurance claims.							
						Quick Facts:     Claims Adjusters, Appraisers, Examiners, and Investigators2023     Median Pay
            						$75,020     per year
										$36.07     per hourTypical Entry-Level Education
                                    See How to Become OneWork Experience in a Related Occupation
                                    NoneOn-the-job Training
                                    See How to Become OneNumber of Jobs, 2022
                                    342,600Job Outlook, 2022-32
                                    -3% (Decline)Employment Change, 2022-32
                                    -10,700What Claims Adjusters, Appraisers, Examiners, and Investigators Do
                                                
                        
                        
Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims.
            
                        Work Environment
                        
Most claims adjusters, appraisers, examiners, and investigators work full time. They often work outside the office, inspecting properties on which insurance claims have been made, such as damaged automobiles and buildings.
            
                                                How to Become a Claims Adjuster, Appraiser, Examiner, or Investigator
                                                
                        
A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator, although some positions need a bachelor’s degree or insurance-related work experience. Auto damage appraisers typically have either a postsecondary nondegree award or work experience in identifying and estimating the cost of automotive repair.
            
                        Pay
                        												                            																				    														The median annual wage for claims adjusters, examiners, and investigators was $75,050 in May 2023.									                                														The median annual wage for insurance appraisers, auto damage was $74,520 in May 2023.									                                					
						
            
                        Job Outlook
                        						
												Overall employment							of claims adjusters, appraisers, examiners, and investigators is projected to decline							 3 percent from 2022 to 2032.
						Despite declining  employment, about 21,500 openings for claims adjusters, appraisers, examiners, and investigators are projected each year, on average, over the decade.
            			
            			 All of those openings are expected to result from the need to replace workers who transfer to other occupations or exit the labor force, such as to retire.
						State & Area Data
                       Explore resources for employment and wages by state and area for claims adjusters, appraisers, examiners, and investigators.
            
            
						
                        Similar Occupations
                        
                                                    Compare the job duties, education, job growth, and pay of claims adjusters, appraisers, examiners, and investigators with similar occupations.
            
            
                        More Information, Including Links to O*NET
                        
                                               
                        Learn more about claims adjusters, appraisers, examiners, and investigators by visiting additional resources, including O*NET, a source on key characteristics of workers and occupations.
 What Claims Adjusters, Appraisers, Examiners, and Investigators Do 
            

			Claims adjusters, appraisers, examiners, and investigatorsClaims adjusters inspect property damage to determine how much the company should pay for the loss.			
Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim and if so, how much.
Duties
Claims adjusters, appraisers, examiners, and investigators typically do the following:
Investigate, evaluate, and settle insurance claims
Determine whether the insurance policy covers the loss claimed
Decide the appropriate amount the insurance company should pay
Ensure that claims are not fraudulent
Contact claimants’ doctors or employers to get additional information on questionable claims
Talk with legal counsel about claims when needed
Negotiate settlements
Authorize paymentsClaims adjusters, appraisers, examiners, and investigators have varying duties, depending on the type of insurance company they work for. They must know a lot about what their company insures. For example, workers in property and casualty insurance must know housing and construction costs so that they can properly evaluate damage from floods or fires. Workers in health insurance must be able to determine which types of treatments are medically necessary and which are questionable.
***Adjusters*** inspect property damage or personal injury claims to determine how much the insurance company should pay for the loss. They might inspect a home, a business, or an automobile.
Adjusters interview the claimant and witnesses, inspect the property, and do additional research, such as look at police reports. They may consult with other workers, such as accountants, architects, construction workers, engineers, lawyers, and physicians, who can offer a more expert evaluation of a claim.
Adjusters gather information—including photographs and statements, either written or recorded on audio or video—and put together a report for claims examiners to review. When the examiner approves the claim, the adjuster negotiates with the policyholder and settles the claim.
If the claimant contests the outcome of the claim or the settlement, adjusters work with attorneys and expert witnesses to defend the insurer’s position.
Some claims adjusters work as ***public adjusters***. Often, they are hired by claimants who prefer not to rely on the insurance company’s adjuster. The goal of adjusters working for insurance companies is to save as much money for the company as possible. The goal of a public adjuster working for a claimant is to get the highest possible amount paid to the claimant. They are paid a percentage of the settled claim.
***Appraisers*** estimate the cost or value of an insured item. Most appraisers who work for insurance companies and independent adjusting firms are ***auto damage appraisers***. They inspect damaged vehicles after an accident and estimate the cost of repairs. This information then goes to the adjuster, who puts the estimated cost of repairs into the settlement.
***Claims examiners*** review claims after they are submitted to make sure claimants and adjusters followed proper guidelines. They may help adjusters with complicated claims or when, for example, a natural disaster occurs and the volume of claims increases.
Examiners who work for health insurance companies review health-related claims to see whether the costs are reasonable, given the diagnosis. After they review the claim, they authorize appropriate payment, deny the claim, or refer the claim to an investigator.
Examiners who work for life insurance companies review the causes of death and pay particular attention to accidents, because most life insurance companies pay additional benefits if a death is accidental. Examiners also may review new applications for life insurance policies to make sure that the applicants have no serious illnesses that would make them a high risk to insure.
***Insurance investigators*** handle claims in which the company suspects fraudulent or criminal activity such as arson, staged accidents, or unnecessary medical treatments. The severity of insurance fraud cases varies, from overstated claims of vehicle damage to complicated fraud rings. Investigators often do surveillance work. For example, in the case of a fraudulent workers’ compensation claim, an investigator may covertly watch the claimant to see if he or she does anything that would be suspicious based on injuries stated in the claim.
 Work Environment
			Claims adjusters, appraisers, examiners, and investigatorsWorkers who inspect damaged buildings must be wary of potential hazards, such as collapsed roofs and floors, as well as weakened structures.			

	    
				
	
	
	
	
	
	
	    					 Claims adjusters, examiners, and investigators held about 329,000 jobs in 2022. The largest employers of claims adjusters, examiners, and investigators were as follows:
        Direct insurance (except life, health, and medical) carriers
                33%Agencies, brokerages, and other insurance related activities
                28Federal government
                14Direct health and medical insurance carriers
                8State government, excluding education and hospitals
                3Insurance appraisers, auto damage held about 13,600 jobs in 2022. The largest employers of insurance appraisers, auto damage were as follows:
        Insurance carriers
                68%Agencies, brokerages, and other insurance related activities
                25Self-employed workers
                1Claims adjusters and examiners work in offices when reviewing documents and conducting research. They work outside when examining damaged property. Appraisers and investigators work outside more often, inspecting damaged automobiles and buildings and conducting surveillance. Auto damage appraisers spend much of their time at automotive body shops estimating vehicle damage costs.
Workers who inspect damaged buildings must be careful around potential hazards, such as collapsed roofs and floors, as well as weakened structures.
Work Schedules
Most claims adjusters, appraisers, examiners, and investigators work full time. However, their work schedules may vary.
Adjusters often arrange their work schedules to accommodate evening and weekend appointments with clients. This requirement sometimes results in adjusters working irregular schedules, especially when they have a lot of claims to review.
Insurance investigators often work irregular schedules because of the need to contact people who are not available during normal business hours. Early morning, evening, and weekend work is common.
In contrast, auto damage appraisers typically work regular hours and rarely work on weekends.
 How to Become a Claims Adjuster, Appraiser, Examiner, or Investigator

			Claims adjusters, appraisers, examiners, and investigatorsAt the beginning of their careers, claims adjusters, appraisers, examiners, and investigators work on small claims, under the supervision of an experienced worker.			
A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster, examiner, or investigator, although some positions require a bachelor’s degree or insurance-related work experience. Auto damage appraisers typically have either a postsecondary nondegree award or work experience in identifying and estimating the cost of automotive repair.
Education
A high school diploma or equivalent is typically required for a person to work as an entry-level claims adjuster or examiner. However, employers sometimes prefer to hire applicants who have a bachelor’s degree or some insurance-related work experience.
For investigator jobs, a high school diploma or equivalent is the typical education requirement. Some insurance companies prefer to hire people trained as law enforcement officers or private investigators, because these workers have good interviewing and interrogation skills.
Auto damage appraisers typically have either a postsecondary nondegree award or experience working in an auto repair shop, identifying and estimating the cost of automotive repair. Many vocational schools and some community colleges offer programs in autobody repair that teach students how to estimate the cost of repairing damaged vehicles.
Training
Entry-level claims adjusters, examiners, and investigators work on small claims under the supervision of an experienced worker. As they learn more about claims investigation and settlement, they are assigned larger, more complex claims.
Auto damage appraisers typically get on-the-job training, which may last several months. This training usually involves working under the supervision of an experienced appraiser while estimating damage costs, until the employer decides that the trainee is ready to do estimates on their own.
Licenses, Certifications, and Registrations
Licensing requirements for claims adjusters, appraisers, examiners, and investigators vary by state. Some states have few requirements; others require either completing prelicensing education or receiving a satisfactory score on a licensing exam (or both). Jobseekers should verify the licensing laws with the state and locality in which they want to work.
In some states, claims adjusters employed by insurance companies do not have to become licensed themselves because they can work under the company license.
Public adjusters may need to meet separate or additional requirements.
Some states that require licensing also require a certain number of continuing education credits per year to renew the license. Federal and state laws and the outcomes of claim disputes adjudicated in court affect how the claims must be handled and what insurance policies can and must cover. Examiners working on life and health claims must stay up to date on new medical procedures and prescription drugs. Examiners working on auto claims must be familiar with the most recent car models and repair techniques. To fulfill their continuing education requirements, workers can attend classes or workshops, write articles for claims publications, or give lectures and presentations.
The National Insurance Producer Registry (NIPR) provides information about state licensing requirements.
Important Qualities
***Analytical skills.*** Adjusters and examiners must each evaluate whether the insurance company is obligated to pay a claim and determine the amount to pay. Adjusters must consider various pieces of information to reach a decision.
***Communication skills.*** Claims adjusters and investigators must get information from a range of people, including claimants, witnesses, and medical experts. They must know the right questions to ask in order to gather the information they need.
***Detail oriented.***Adjusters, appraisers, examiners, and investigators must carefully review documents and damaged property, because small details can have large financial consequences.
***Interpersonal skills.*** Adjusters, examiners, and investigators often meet with claimants and others who may be upset by the situation that requires a claim or by the settlement the company is offering. These workers must be understanding, yet firm regarding their company’s policies.
 Pay

			



	
 
                                                     
            
    
                        Claims Adjusters, Appraisers, Examiners, and InvestigatorsMedian annual wages, May 2023Business operations specialists$78,500  Claims adjusters, examiners, and investigators$75,050  Claims adjusters, appraisers, examiners, and investigators$75,020  Insurance appraisers, auto damage$74,520  Total, all occupations$48,060Note: All Occupations includes all occupations in the U.S. Economy.Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics
 

	
	



		
	
	
	
The median annual wage for claims adjusters, examiners, and investigators was $75,050 in May 2023. 


The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $47,390, and the highest 10 percent earned more than $105,440.The median annual wage for insurance appraisers, auto damage was $74,520 in May 2023. 


The lowest 10 percent earned less than $56,890, and the highest 10 percent earned more than $100,240.





		
	    					 In May 2023, the median annual wages for claims adjusters, examiners, and investigators in the top industries in which they worked were as follows:	
        Federal government
                $85,510Direct insurance (except life, health, and medical) carriers
                76,950Agencies, brokerages, and other insurance related activities
                73,980State government, excluding education and hospitals
                67,890Direct health and medical insurance carriers
                59,600In May 2023, the median annual wages for insurance appraisers, auto damage in the top industries in which they worked were as follows:	
        Insurance carriers
                $77,260Agencies, brokerages, and other insurance related activities
                71,750Most claims adjusters, appraisers, examiners, and investigators work full time. However, their work schedules may vary.
Adjusters often arrange their work schedules to accommodate evening and weekend appointments with clients. This requirement sometimes results in adjusters working irregular schedules, especially when they have a lot of claims to review.
Insurance investigators often work irregular schedules because of the need to contact people who are not available during normal business hours. Early morning, evening, and weekend work is common.
In contrast, auto damage appraisers typically work regular hours and rarely work on weekends.
 Job Outlook

   
        
    
          
        
    
                      Claims Adjusters, Appraisers, Examiners, and InvestigatorsPercent change in employment, projected 2022-32Business operations specialists6%  Total, all occupations3%  Insurance appraisers, auto damage-3%  Claims adjusters, appraisers, examiners, and investigators-3%  Claims adjusters, examiners, and investigators-3%Note: All Occupations includes all occupations in the U.S. Economy.Source: U.S. Bureau of Labor Statistics, Employment Projections program
            
            
			 
	
	
	

			Overall employment				of claims adjusters, appraisers, examiners, and investigators is projected to decline				 3 percent from 2022 to 2032.
			
			Despite declining  employment, about 21,500 openings for claims adjusters, appraisers, examiners, and investigators are projected each year, on average, over the decade.
			
			 All of those openings are expected to result from the need to replace workers who transfer to other occupations or exit the labor force, such as to retire.
			Employment
	
			
Technology is expected to automate some of the tasks that these workers currently perform. For example, computer software can evaluate photographs of damaged property and calculate an estimated claim amount. In addition, data collection and processing speed will continue to increase, which will improve efficiency and make workers more productive.
The number of natural disasters, such as floods and fires, influences demand for claims adjusters in property and casualty insurance. Future increases in the number of natural disasters could result in some employment growth for claims adjusters in the field.

			

                        Employment projections data for     claims adjusters, appraisers, examiners, and investigators, 2022-32
                Occupational Title
                        SOC Code
                        Employment, 2022
                        Projected Employment, 2032
                        Change, 2022-32
                        Employment by IndustryPercent
                        NumericSOURCE: U.S. Bureau of Labor Statistics, Employment Projections program**Claims adjusters, appraisers, examiners, and investigators**
			—
			342,600
			331,900
			-3
			-10,700
			—**Claims adjusters, examiners, and investigators**
			13-1031
			329,000
			318,700
			-3
			-10,300
			Get data**Insurance appraisers, auto damage**
			13-1032
			13,600
			13,300
			-3
			-400
			Get data
 State & Area Data **Occupational Employment and Wage Statistics (OEWS)** The Occupational Employment and Wage Statistics (OEWS) program produces employment and wage estimates annually for over 800 occupations. These estimates are available for the nation as a whole, for individual states, and for metropolitan and nonmetropolitan areas. The link(s) below go to OES data maps for employment and wages by state and area. Claims adjusters, examiners, and investigators
					Insurance appraisers, auto damage **Projections Central** Occupational employment projections are developed for all states by Labor Market Information (LMI) or individual state Employment Projections offices. All state projections data are available at www.projectionscentral.com. Information on this site allows projected employment growth for an occupation to be compared among states or to be compared within one state. In addition, states may produce projections for areas; there are links to each state’s websites where these data may be retrieved. **CareerOneStop** CareerOneStop includes hundreds of occupational profiles with data available by state and metro area. There are links in the left-hand side menu to compare occupational employment by state and occupational wages by local area or metro area. There is also a salary info tool to search for wages by zip code.
 Similar Occupations This table shows a list of occupations with job duties that are similar to those of claims adjusters, appraisers, examiners, and investigators. Occupation
                Job Duties
                ENTRY-LEVEL EDUCATION
                2023     MEDIAN PAY**Property Appraisers and Assessors**
            Property appraisers and assessors provide a value estimate on real estate and on tangible personal and business property.
            Bachelor's degree
            $61,630**Automotive Body and Glass Repairers**
            Automotive body and glass repairers restore, refinish, and replace vehicle bodies and frames, windshields, and window glass.
            High school diploma or equivalent
            $48,450**Automotive Service Technicians and Mechanics**
            Automotive service technicians and mechanics inspect, maintain, and repair cars and light trucks.
            Postsecondary nondegree award
            $47,770**Construction and Building Inspectors**
            Construction and building inspectors ensure that construction meets building codes and ordinances, zoning regulations, and contract specifications.
            High school diploma or equivalent
            $67,700**Cost Estimators**
            Cost estimators collect and analyze data in order to assess the time, money, materials, and labor required to make a product or provide a service.
            Bachelor's degree
            $74,740**Fire Inspectors**
            Fire inspectors detect fire hazards, recommend prevention measures, ensure compliance with state and local fire regulations, and investigate causes of fires.
            See How to Become One
            $71,420
 Contacts for More Information
								
For more information about education and credentials for insurance-related occupations, visit
The Institutes
International Claim Association
National Association of Public Insurance Adjusters
For more information about state licensing requirements, check with your state insurance agency or visit
National Insurance Producer Registry (NIPR)

                                                
                                                        
                                                                                                    O*NET
                                        Claims Adjusters, Examiners, and InvestigatorsInsurance Appraisers, Auto Damage
 Suggested citation: Bureau of Labor Statistics, U.S.  Department of Labor, Occupational Outlook Handbook, Claims Adjusters, Appraisers, Examiners, and Investigators, 
        	 at https://www.bls.gov/ooh/business-and-financial/claims-adjusters-appraisers-examiners-and-investigators.htm (visited *May 21, 2024*).
 **Last Modified Date:**
                        Wednesday, April 17, 2024


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