Position Overview
The main work of an individual working as a claims adjuster is to investigate insurance claims by interviewing both claimants, and witnesses.
People working in this position analyze police records, hospitals documents, and property damage to determine the type and extent of damage done, and how liable the company is to pay for the claim.
Educational Requirements
Typically, a claims adjuster just needs a high school diploma or a GED equivalent to being considered eligible to work at this position.
A degree in a business discipline will be highly appreciated by some employers though.
If you have had any prior experience in a claims capacity, you will know most of what there is to know about the work and will be considered a great person to hire.
Skills and Abilities
As a claims adjuster, you will need to be highly skilled in many aspects, including communication, and multitasking.
The ability to analyze situations to determine the right solutions, and to decipher if a claim is well-placed or not will be all in a day’s work for you.
Moreover, you will need to be highly skilled in talking to people from different walks of life, and handle suspicious claims with expertise.
As a claims adjuster, it is essential that you understand the role before you put your hands in it. Here is a list of duties that you will be expected to perform when working in this position:
Job Description for Claim Adjuster Resume
• Receive and look through all incoming claims submissions, including medical, automobile, and homeowner insurance.
• Read and interpret the reason for each claim, and determine if it rings true as per the situation.
• Interview claimants in an official capacity to elicit required information regarding the claim.
• Study claimants’ policies to determine if the insurance will cover the incident.
• Investigate damages to automobiles and properties, following set instructions and protocols.
• Analyze relevant police accident reports and hospital records, to determine the extent of damage, and to acquire other essential details.
• Consult with both legal and medical experts to gain insight into the claim, and to decipher important information regarding backgrounds.
• Review all requests thoroughly to check for fraudulent or contradictory information.
• Log all claims information and maintain files on policyholders, ensuring that all documents are timely and accurately updated.
• Compile all information, aimed at arriving at a final decision regarding acceptance or rejection of each claim.
• Determine and communicate the cost that needs to be covered by the insurance company, to both claimants, and payment officials.