Claims Examiners, Property and Casualty Insurance

General Information


Review settled insurance claims to determine that payments and settlements have been made in accordance with company practices and procedures. Report overpayments, underpayments, and other irregularities. Confer with legal counsel on claims requiring litigation.

Workplace at a Glance

What you can expect to experience while on the job

  • Responsibility
  • Exposure to job hazards
  • Physical activity
  • Decision making
  • Repetitiveness
  • Level of competition
  • Time pressure

Industry areas

  • Insurance Carriers
  • Agencies, Brokerages, and Other Insurance Related Activities
  • Federal Executive Branch (OES Designation)

Job Outlook

Overall employment of claims adjusters, appraisers, examiners, and investigators is projected to decline 4 percent from 2018 to 2028. Employment of claims adjusters, examiners, and investigators is projected to decline 4 percent from 2018 to 2028. Technology is expected to automate some of the tasks currently performed by adjusters. For instance, computer software can evaluate photographs of damaged property and calculate an estimated claim amount. In addition, data collection and processing speed will increase, which will improve efficiency and allow more work to be done with fewer adjusters. Demand for these workers should stem primarily from the growth of the health insurance industry. Rising medical costs may result in a greater need for claims examiners to carefully review a growing number of medical claims. An increase in the number of claims being made by a growing elderly population also should spur demand for health insurance claims adjusters and examiners. The number of natural disasters, such as floods and fires, influences demand for claims adjusters in property and casualty insurance. Future increases in the number of natural disasters could result in strong employment growth for claims adjusters in the field. Employment of auto damage appraisers is projected to grow 5 percent from 2018 to 2028, about as fast as the average for all occupations. An increasing number of vehicle-miles traveled will likely be accompanied by more automobile accidents, and this is expected to increase the demand for auto damage appraisers. However, automation technology is also affecting these workers, allowing more appraisals to be done with fewer employees.

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Average Salary



State-by-state Salary

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Most Common Education Levels

People in this career achieve this level of education.

  • Bachelor's degree 69%
  • High school 11%
  • Some college 7%
  • Associate's degree 5%
  • Post-secondary certificate 5%
  • Master's degree 0%
  • Doctoral degree 0%
  • Post baccalaureate 0%
  • Less than high school 0%
  • Post-doctoral training 0%
  • Post-master's certificate 0%
  • First professional degree 0%

Related College Majors

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  • Customer and Personal Service
  • English Language
  • Law and Government
  • Administration and Management
  • Mathematics

Skills at a Glance

Skills helpful in this career

  • Verbal skills
  • Critical thinking & problem solving
  • Equipment operation & maintenance
  • Math & science skills
  • Technology design & control
  • Leadership
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