Claims Adjuster Job Description Template
Use this Claims Adjuster job description template to advertise the open roles for free using Longlist.io. You can use this template as a starting point, modify the requirements according the needs of your organization or the client you are hiring for.
Job Brief
We are looking for an experienced claims adjuster to join our team.
On a daily basis, you’ll handle and process insurance claims. You’ll examine property damages and physical injuries to calculate claim liability. You’ll achieve this by gathering information from various sources, for example, through interviewing claimants, witnesses, or specialists (e.g. policyholders, physicians, or engineers). To succeed in this role, you must have strong analytical thinking and excellent writing skills.
If you are a reliable person with a strong work ethic, we’d like to hear from you.
Responsibilities
- Inspect property and physical damage
- Analyze complex information from different sources
- Examine claim liability
- Prepare and process claim reports
- Consult with specialists (e.g. physicians, engineers)
- Calculate benefits and payments
- Negotiate settlements with claimants
- Examine police reports, videos from surveillance cameras or audio if applicable
- Support attorneys to defend the company in case of contestation
Requirements
- Previous experience as a claims adjuster or similar role
- Working experience in using appraisal software
- Strong analytical and mathematical skills
- Experience in writing detailed reports
- A compassionate and resilient personality
- High school diploma
- Degree in Insurance, Finance or similar field is a plus
What does Claims Adjuster do?
A Claims Adjuster is responsible for investigating insurance claims to determine the extent of an insurance company's liability. On a day-to-day basis, a Claims Adjuster typically performs the following tasks:
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Reviewing claims: They assess claims submitted by policyholders or third parties to determine if they are covered by the insurance policy.
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Investigating the incident: They conduct thorough investigations by gathering evidence, inspecting damaged property, interviewing witnesses, and taking statements from all parties involved.
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Analyzing policies: They review insurance policies to understand coverage limits, exclusions, and other relevant terms and conditions.
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Evaluating damages: They assess the extent of damages or injuries and calculate the appropriate compensation based on the policy coverage.
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Negotiating settlements: They negotiate settlements with policyholders or third parties based on their assessment of liability and the damages incurred.
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Communicating with stakeholders: They maintain regular contact with policyholders, witnesses, attorneys, and other involved parties to obtain additional information or provide updates on the claim's status.
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Documenting claims: They compile detailed reports, photographs, and other evidence to support their findings and recommendations.
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Collaborating with other professionals: They may collaborate with experts such as medical professionals, engineers, or legal counsel to assess complex claims accurately.
Overall, a Claims Adjuster aims to facilitate fair and prompt resolution of insurance claims while ensuring compliance with company policies and state regulations.