A claims adjuster trainee is an individual who is hired at the entry level in an organization that caters to claims management.
They are required to provide assistance with investigating, evaluating and settling assigned claims. Claims adjuster trainees work in many industries including property, insurance and medical, depending on their specific interests.
Education & Skills Requirements
To work as a claims adjuster trainee, one has to possess a high school diploma or a GED at the very least. Although formal degrees are not required for this position, it is imperative for them to have an inherent interest in the work – some employers require that the trainees whom they hire, have a relevant internship or externship to their names.
Since working in the claims department means that you have to stay in constant touch with people from all walks of life, your communication and interpersonal skills need to be spot on. Strong negotiation abilities, and exceptional problem solving skills are also required if this is the work that you want to do. Even though you will be hired as a trainee, you will be required to work extensively, in a bid to learn the ropes, and eventually move up the ladder to the position of a claims adjuster.
Some of the main work that you may be entrusted with while working as a claims adjuster trainee is detailed in the list below:
Claims Adjuster Trainee Duties & Responsibilities
• Assist in reviewing assignments to determine severity, coverage and appropriate action.
• Interpret policy coverage to determine if the claim is payable under the policy, deductible, actual cash value, or replacement cost.
• Conduct field investigations to ensure that site inspections are managed properly, and to interview and secure recorded statements of those possessing information of loss.
• Assist in the management of all administrative claim functions such as reserving, claim payments, and file notes through electronic means.
• Provide support in preparing written investigative reports for claim files to document all activities related to the loss.
• Assist in negotiation with contractors or repair facilities to determine extent of damage and methods of repair.
• Oversee the salvage process, and maintain currency on law and construction prices, methods and procedures.
• Investigate and determine coverage of loss, and adjust all elements of assigned claims.
• Write appraisals for dwelling repairs, and coordinate the issuance of payments to policy holders.
• Identify suspicious losses, and recommend referrals where appropriate.
• Interview customers, claimants, and witnesses to derive required information to investigate claims.