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Insurance Adjusters, Examiners, and Investigators

Investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.   (O'Net 13-1031.02)

 
Reported job titles:   Accident Investigator, Adjuster, Adjustment Clerk, Appraiser, Arson Investigator, Auto Claims Adjuster   (view all job titles)
 
  • Career Video
  • Wages
  • Employment Trends
  • Industries of Employment
  • Tasks
  • Knowledge
  • Skills
  • Abilities
  • Work Activities
  • Interests
  • Work Styles
  • License Information
  • Education & Training Requirements
  • Schools
  • Other Resources
  • Related Occupations
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    Career Video
    for Insurance Adjusters, Examiners, and Investigators
     
    Insurance Adjusters, Examiners, and Investigators photo Insurance Adjusters, Examiners, and Investigators photo Insurance Adjusters, Examiners, and Investigators photo
    Career Video:   View video on Insurance Adjusters, Examiners, and Investigators
     


    Wages
    for Claims Adjusters, Examiners, and Investigators which includes:
                          - Claims Examiners, Property and Casualty Insurance
                          - Insurance Adjusters, Examiners, and Investigators
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     Location Pay
    Period
    2013
    Percentile Wages Average
    Wage
    10% 25% 50%
    Median
    75% 90%
     Vermont Hourly $ 18.38   $ 22.92   $ 30.31   $ 35.38   $ 40.85   $ 29.31  
    Yearly $ 38,230   $ 47,680   $ 63,030   $ 73,600   $ 84,960   $ 60,950  
     
     Burlington-South Burlington, VT Metropolitan NECTA Hourly $ 19.32   $ 22.63   $ 32.10   $ 36.39   $ 41.91   $ 30.12  
    Yearly $ 40,180   $ 47,060   $ 66,780   $ 75,690   $ 87,170   $ 62,650  
     
     Southern Vermont Balance of State Hourly $ 15.76   $ 17.20   $ 24.86   $ 30.36   $ 39.11   $ 25.29  
    Yearly $ 32,770   $ 35,780   $ 51,700   $ 63,150   $ 81,350   $ 52,590  
     
     Northern Vermont Balance of State Hourly $ 20.77   $ 25.11   $ 30.11   $ 34.96   $ 38.55   $ 29.84  
    Yearly $ 43,190   $ 52,220   $ 62,640   $ 72,710   $ 80,180   $ 62,060  
     
    What are Percentile Wages?
    source: Occupational Employment Statistics, Vermont Labor Market Information, U.S. Bureau of Labor Statistics, released April 2014.
     


    Employment Trends
    for Claims Adjusters, Examiners, and Investigators which includes:
                                  - Claims Examiners, Property and Casualty Insurance
                                  - Insurance Adjusters, Examiners, and Investigators
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    Location Employment Annual % change
    (compounded)
    Annual job openings
    (due to growth and
    net replacements)
    2012 2022
    Vermont 280 295 0.5% 8
    Burlington-South Burlington, VT Metropolitan NECTA 77 80 0.4% 2
    Southern Vermont Balance of State 74 77 0.4% 2
    Northern Vermont Balance of State 136 144 0.6% 4
    source: Employment Projections, Vermont Economic & Labor Market Information, in cooperation with U.S. Bureau of Labor Statistics, statewide estimates released August 2014, area estimates released October 2014.
     


    Industries of Employment
    for Claims Adjusters, Examiners, and Investigators which includes:
                                - Claims Examiners, Property and Casualty Insurance
                                - Insurance Adjusters, Examiners, and Investigators
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    Industry Vermont
    2012
    Employment
    Percent
    of Total
    Total Employment, All Jobs 280 100%
    Services-Providing 263 94%
    Finance and Insurance 166 60%
    Financial Activities 166 60%
    Insurance Carriers and Related Activities 166 60%
    Government 86 31%
    Government 86 31%
    Federal Government, Excluding Post Office 64 23%
    Total Federal Government Employment 64 23%
    source: Employment Projections, Vermont Economic & Labor Market Information, in cooperation with U.S. Bureau of Labor Statistics, released August 2014.
     


    Tasks
    for Insurance Adjusters, Examiners, and Investigators
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  • Examine claims forms and other records to determine insurance coverage.
     
  • Investigate and assess damage to property and create or review property damage estimates.
     
  • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
     
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
     
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
     
  • Analyze information gathered by investigation, and report findings and recommendations.
     
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
     
  • Prepare report of findings of investigation.
     
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement.
     
  • Collect evidence to support contested claims in court.
     
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated June 2009
     


    Knowledge
    for Insurance Adjusters, Examiners, and Investigators
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  • English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
     
  • Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
     
  • Clerical - Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
     
  • Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
     
  • Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
     
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated June 2009
     


    Skills
    for Insurance Adjusters, Examiners, and Investigators
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  • Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
     
  • Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
     
  • Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
     
  • Time Management - Managing one's own time and the time of others.
     
  • Judgment and Decision Making - Considering the relative costs and benefits of potential actions to choose the most appropriate one.
     
  • Negotiation - Bringing others together and trying to reconcile differences.
     
  • Writing - Communicating effectively in writing as appropriate for the needs of the audience.
     
  • Persuasion - Persuading others to change their minds or behavior.
     
  • Speaking - Talking to others to convey information effectively.
     
  • Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.
     
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated July 2004
     


    Abilities
    for Insurance Adjusters, Examiners, and Investigators
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  • Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
     
  • Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
     
  • Written Comprehension - The ability to read and understand information and ideas presented in writing.
     
  • Deductive Reasoning - The ability to apply general rules to specific problems to produce answers that make sense.
     
  • Inductive Reasoning - The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
     
  • Speech Clarity - The ability to speak clearly so others can understand you.
     
  • Near Vision - The ability to see details at close range (within a few feet of the observer).
     
  • Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
     
  • Written Expression - The ability to communicate information and ideas in writing so others will understand.
     
  • Information Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
     
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated June 2009
     


    Work Activities
    for Insurance Adjusters, Examiners, and Investigators
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  • Identifying Objects, Actions, and Events - Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.
     
  • Interacting With Computers - Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
     
  • Getting Information - Observing, receiving, and otherwise obtaining information from all relevant sources.
     
  • Documenting/Recording Information - Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
     
  • Processing Information - Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
     
  • Evaluating Information to Determine Compliance with Standards - Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
     
  • Making Decisions and Solving Problems - Analyzing information and evaluating results to choose the best solution and solve problems.
     
  • Communicating with Supervisors, Peers, or Subordinates - Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
     
  • Organizing, Planning, and Prioritizing Work - Developing specific goals and plans to prioritize, organize, and accomplish your work.
     
  • Resolving Conflicts and Negotiating with Others - Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
     
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated June 2009
     


    Interests
    for Insurance Adjusters, Examiners, and Investigators
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  • Conventional - Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.
     
  • Enterprising - Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.
     
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated June 2008
     


    Work Styles
    for Insurance Adjusters, Examiners, and Investigators
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  • Attention to Detail - Job requires being careful about detail and thorough in completing work tasks.
     
  • Dependability - Job requires being reliable, responsible, and dependable, and fulfilling obligations.
     
  • Stress Tolerance - Job requires accepting criticism and dealing calmly and effectively with high stress situations.
     
  • Integrity - Job requires being honest and ethical.
     
  • Self Control - Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
     
  • Cooperation - Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
     
  • Initiative - Job requires a willingness to take on responsibilities and challenges.
     
  • Adaptability/Flexibility - Job requires being open to change (positive or negative) and to considerable variety in the workplace.
     
  • Analytical Thinking - Job requires analyzing information and using logic to address work-related issues and problems.
     
  • Independence - Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.
     
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated June 2009
     


    State of Vermont License Information
    that may be required for Insurance Adjusters, Examiners, and Investigators
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    No state licenses listed for this occupation.
     


    Education and Training Requirements
    for Insurance Adjusters, Examiners, and Investigators
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  • Job Zone Three: Medium Preparation Needed
  •  
  • Education: Most occupations in this zone require training in vocational schools, related on-the-job experience, or an associate's degree.
  •  
  • Training: Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers. A recognized apprenticeship program may be associated with these occupations.
  •  
  • Experience: Previous work-related skill, knowledge, or experience is required for these occupations. For example, an electrician must have completed three or four years of apprenticeship or several years of vocational training, and often must have passed a licensing exam, in order to perform the job.
  •  
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators  updated June 2009
     


    Schools
    offering instructional programs related to Insurance Adjusters, Examiners, and Investigators
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      Related Instructional Programs
     
    • Insurance
     
     Search for schools offering these programs at
     
     
     
    source: National Center for Education Statistics 2000 Classification of Instructional Programs .
     


    Other Resources
    for Insurance Adjusters, Examiners, and Investigators
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  • Labor Exchange Information
  • A source for occupational characteristics, such as age, gender, race, and years of education and an alternative source for occupational wage rates. Limited to people looking for jobs and the jobs advertised through VDOL Vermont Job Link.
  • Look for statewide information over the latest 12 months for Claims Adjusters, Examiners, and Investigators .
  •  
  • Occupational Outlook Handbook
  • The Occupational Outlook Handbook is a nationally recognized source of career information, designed to provide valuable assistance to individuals making decisions about their future work lives. Revised every two years, the Handbook describes what workers do on the job, working conditions, the training and education needed, earnings, and expected job prospects in a wide range of occupations.
    Go to Occupational Outlook Handbook
     
  • O*NET™ Online
  • O*NET Online is an interactive web site for those interested in exploring occupations through O*NET, The Occupational Information Network database.   All of the descriptive information on this page comes from the O*NET database, version 14.0, released July 2009.   The O*NET database takes the place of the Dictionary of Occupational Titles (DOT) as the nation's primary source of occupational information.
  • For additional information on Insurance Adjusters, Examiners, and Investigators , go to O*NET Online Detail Report.
  • For the O*NET Online home page, go to   
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    Related Occupations
    Occupations with skill requirements similar to Insurance Adjusters, Examiners, and Investigators
    Back to Top
     
     
  • Appraisers, Real Estate
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  • Criminal Investigators and Special Agents
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  • Customer Service Representatives
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  • Eligibility Interviewers, Government Programs
  •  
  • Insurance Appraisers, Auto Damage
  •  
  • Licensing Examiners and Inspectors
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  • Purchasing Agents, Except Wholesale, Retail, and Farm Products
  •  
    source: Occupational Information Network: Insurance Adjusters, Examiners, and Investigators 
     

     
     
     
    Vermont.gov State of Vermont Department of Labor