Claims Adjuster job description.
A Claims Adjuster investigates insurance claims to determine coverage, liability, and appropriate settlement amounts. They review documentation, inspect damage, interview involved parties, and negotiate settlements while ensuring claims are handled fairly and in compliance with policy terms and regulations.
The Claims Adjuster job description · $29
The full editable .docx — role summary, 8 worked responsibilities, qualifications, and skills, formatted for your letterhead. Delivered to your inbox within 24 hours — usually instantly.
Role: Claims Adjuster Reports to: Claims Manager or Claims Supervisor
A Claims Adjuster investigates insurance claims to determine coverage, liability, and appropriate settlement amounts. They review documentation, inspect damage, interview involved parties, and negotiate settlements while ensuring claims are handled fairly and in compliance with policy terms and regulations.
- Investigate insurance claims to determine coverage and liability
- Inspect property, vehicle, or other damage related to claims
- Interview claimants, witnesses, and involved parties
What's inside the document.
One-paragraph plain-English explanation of the role's outcome and scope.
8 responsibilities phrased the way the work is actually done.
4 qualifications a candidate must have to perform on day 30.
3 qualifications that would make a candidate excellent in year two.
6 skill chips you can copy directly into your ATS.
Claims Manager or Claims Supervisor
A complete document set.
- Word document (.docx) — fully editable
- PDF — signature-ready
- Google Docs — one-click copy to your Drive
- 12 months of updates to this document
- Commercial-use licence for internal and client work
The work, not the title.
- Investigate insurance claims to determine coverage and liability
- Inspect property, vehicle, or other damage related to claims
- Interview claimants, witnesses, and involved parties
- Review policy documentation to confirm coverage details
- Calculate settlement amounts and negotiate with claimants
- Document findings and maintain detailed claim files
- Identify and flag potentially fraudulent claims
- Ensure compliance with company policies and state regulations
Required — and what would make a candidate excellent.
- High school diploma required; bachelor's degree preferred
- Current licensure/board certification as required by state and employer
- 2+ years of claims handling or insurance experience
- Strong investigative and negotiation skills
- Experience with specific claim types (auto, property, liability)
- Professional designation such as AIC or CPCU
- Familiarity with claims management software
Eight steps from download to publish.
- 01Open the Claims Adjuster job description in Word or your one-click Google Docs copy.
- 02Replace placeholders for company name, reporting line, and location with your specifics.
- 03Tighten the summary to one paragraph that names the team's outcome, not just the role.
- 04Edit the responsibilities to match the actual scope of the seat — aim for 6 to 8 items, not 12.
- 05Separate required qualifications from preferred. Required is what a candidate must have to do the work on day 30; preferred is what would make them excellent in year two.
- 06Add salary range guidance using BLS, Payscale, or your own band data — do not copy generic figures.
- 07Have the hiring manager and one peer read it. Cut anything that wouldn't survive a candidate question.
- 08Publish to your ATS, intranet, and external careers page.
The right document at the right moment.
Use this Claims Adjuster job description any time you are opening or reopening a seat at this level. The mid band sets the calibration — copy the document, tighten it to your specific scope, and circulate to the hiring panel before the first interview.
The reporting line (Claims Manager or Claims Supervisor) and skills list are starting points. Override either if your org structure or stack differs from the norm — the template is a draft, not a contract.
Honest answers before you download.
- Do claims adjusters need a license?
- Most states require current licensure/board certification as required by state and employer to handle insurance claims, though specific requirements vary by claim type and jurisdiction.
- What's the difference between a staff adjuster and an independent adjuster?
- Staff adjusters are employed directly by an insurance company, while independent adjusters work on a contract basis, often handling claims for multiple insurers.
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This Claims Adjuster job description is a professionally drafted starting point for your hiring process and is not legal advice. Hiring practice varies by jurisdiction (e.g. pay-transparency laws differ across US states and AU jurisdictions). Adapt this document for your specific location and have employment counsel review any clauses you add before publishing. Salary varies by region, employer type, and experience. Reference BLS or current industry surveys for ranges. Full disclaimer.