Business and Financial Operations · Holland code CEI
Claims Adjusters, Examiners, and Investigators
Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures. Confer with legal counsel on claims requiring litigation. May also settle insurance claims.
Also called: Claims Adjuster, Claims Analyst, Claims Examiner, Claims Representative, Claims Specialist, Corporate Claims Examiner, Field Claims Adjuster, General Adjuster.
O*NET 13-1031.00
At a glance
- US median annual pay
- $78,000
- Middle half earn $61,160 to $98,030. BLS OEWS, May 2025.
- Most common education
- Bachelor's Degree
- 56% of workers surveyed by O*NET report this level.
- Preparation needed
- Job Zone 4 of 5
- Considerable preparation. Zone 1 is little or none; zone 5 is graduate-level.
What the work involves
The tasks workers in this occupation rate as most important, from the O*NET survey.
- Examine claims forms and other records to determine insurance coverage.
- Analyze information gathered by investigation and report findings and recommendations.
- Pay and process claims within designated authority level.
- Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
- Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.
- Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
- Investigate and assess damage to property and create or review property damage estimates.
- Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
Skills and knowledge it leans on
Skills
- Reading Comprehension4.1 / 5
- Active Listening4.0 / 5
- Critical Thinking4.0 / 5
- Speaking3.9 / 5
- Writing3.6 / 5
- Monitoring3.4 / 5
Knowledge areas
- Customer and Personal Service4.7 / 5
- English Language4.4 / 5
- Administrative3.8 / 5
- Mathematics3.7 / 5
- Computers and Electronics3.4 / 5
- Law and Government3.3 / 5
Importance ratings on O*NET’s 1 to 5 scale. Higher means the occupation depends on it more.
Who tends to enjoy it
How strongly this occupation draws on each of the six Holland interest types, which is the same profile the career interests test compares you against.
- Realistic4
- Investigative42
- Artistic0
- Social27
- Enterprising63
- Conventional87
The same work abroad
Other countries classify jobs differently, so these are the closest matches through the international ISCO-08 standard, not exact equivalents.
European occupation titles (ESCO)
- insurance claims manager · DE Manager für Versicherungsansprüche/Managerin für Versicherungsansprüche · FR responsable d'équipe règlement sinistres en assurances
- insurance rating analyst · DE Rating-Analyst im Versicherungsbereich/Rating-Analystin im Versicherungsbereich · FR analyste notation en assurances
- insurance claims handler · DE Versicherungsgutachter/Versicherungsgutachterin · FR chargé d’indemnisation en assurances/chargée d’indemnisation en assurances
- insurance fraud investigator · DE Versicherungsdetektiv/Versicherungsdetektivin · FR inspecteur enquêteur d’assurances/inspectrice enquêteuse d’assurances
- loss adjuster · DE Schadensregulierer/Schadensreguliererin · FR expert en règlement de sinistres en assurances/experte en règlement de sinistres en assurances
- personal property appraiser · DE Sachwertspezialist/Sachwertspezialistin · FR estimateur de biens mobiliers/estimatrice de biens mobiliers
Closest UK occupation groups (SOC 2020)
- Insurance underwriters (3532)37,600 employed
- Estimators, valuers and assessors (3541)57,000 employed
- Financial managers and directors (1131)461,400 employed
Employment is the UK Annual Population Survey for April 2025 to March 2026, all workers in the group, which can be broader than this one occupation.
Pay across Europe, for the whole group
Median annual earnings of all employees in “Technicians and associate professionals”. This is the broad ISCO group this occupation falls in, not the occupation itself, so treat it as context for the wage level, not as a salary for this job.
| Country | Median pay |
|---|---|
| Belgium | €50,992 |
| Austria | €46,986 |
| Germany | €44,473 |
| Netherlands | €42,448 |
| Ireland | €41,613 |
| Sweden | €41,155 |
| Italy | €34,882 |
| France | €34,816 |
| Spain | €29,757 |
| Portugal | €18,080 |
| Poland | €12,108 |
Eurostat Structure of Earnings Survey, businesses with ten or more employees outside public administration, in euro and not adjusted for the cost of living. Reference years differ between sources: the US, Japan and Europe figures on this page come from different survey years, so compare them as rough levels, not to the euro or yen.
Exposure to AI
This occupation sits in the higher third of the 774 occupations scored, with an exposure score of +1.27. The scores are standardized across those occupations, so 0 is the average and a score of 1 is about one standard deviation above it.
Our note on reading it: the dataset links AI applications to the abilities that occupations require, so the score reflects overlap between the two. It is a comparison between occupations, not a forecast about jobs. It does not say whether exposure means tasks are replaced or workers get more done with the tools, and it says little about one employer or one role.
Source: Felten, E., Raj, M., & Seamans, R. (2021). Occupational, industry, and geographic exposure to artificial intelligence: A novel dataset and its potential uses. Strategic Management Journal, 42(12), 2195-2217. Matched to this page by 6-digit SOC code (13-1031).
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