Claims Adjusters, Examiners, and Investigators
Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims.
Is claims adjusters, examiners, and investigators a good career?
It scores 18/100 and ranks #394 of 825 occupations on pay, growth, employment and openings. Here's what the federal data says, with no editorializing.
Advantages
- Pays well above the U.S. median wage ($78,000 vs $61,390)
- High volume of openings — about 21,100 a year
- No college degree typically required to enter
Possible tradeoffs
- Employment is projected to decline (-5.1% through 2034)
What claims adjusters, examiners, and investigators earn
Wages: BLS OEWS May 2025Pay is a range, not a number. Half of U.S. claims adjusters, examiners, and investigators earn between $61,160 and $98,030 a year.
Best-paying states
Best-paying metros
Live claims adjusters, examiners, and investigators jobs
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- Typical education
- High school diploma or equivalent
- Work experience
- None
- On-the-job training
- Long-term on-the-job training
- Outlook
- Employment is projected to grow decline through 2034.
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 & 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.
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.
Related occupations
How much do claims adjusters, examiners, and investigators make?
The national median wage is $78,000 a year, with the middle half earning between $61,160 and $98,030 (BLS OEWS May 2025).
Is claims adjusters, examiners, and investigators a good career?
On the Jobs.best index it scores 18 of 100 and ranks #394 of 825 occupations, weighing pay, growth, employment and openings. Employment is projected to change -5.1% through 2034.
What education do you need to become a claims adjusters, examiners, and investigator?
The typical entry-level education is high school diploma or equivalent.
Where do claims adjusters, examiners, and investigators earn the most?
Among states, District of Columbia pays the highest median ($101,150). Local pay for every state and metro is below.