Claims Adjuster Trainee 2025
A claims adjuster trainee 2025 is responsible for assessing damage and determining the amount of payout on an insurance claim. This generally entails conducting personal inspections, interviewing witnesses and reviewing police reports.
This job is a great way to gain experience in the insurance industry while also earning a paycheck. The salary for this job can vary widely depending on the company, level of education and management experience.
Free Claims Adjuster Practice Test Online
Remote Claims Adjuster Jobs
If you have strong investigative skills and knowledge of the insurance industry, a remote claims adjuster job may be for you. As a remote claims adjuster, you handle insurance claims remotely and communicate with clients through email and phone.
You can work as a remote claims adjuster for insurance companies or independent adjusting firms. These jobs require at least a high school diploma and license to work in your state.
These positions can pay as much as $93,500 per year, and the salary can vary based on experience and skill level. You can also earn more when demand increases for a certain kind of claim or after a series of natural disasters.
As a remote claims adjuster, your responsibilities include evaluating insurance claims and making sure the company is compensated for losses. You use specialized software to evaluate and settle insurance claims. You may also need to interview witnesses and review documents. You may also need to work irregular schedules.
| What does a claims adjuster do? | A claims adjuster investigates insurance claims by reviewing documents, inspecting property damage, interviewing parties, and determining claim validity. They analyze coverage, assess losses, negotiate settlements, and ensure claims are processed according to policy terms and state regulations. |
| What is the typical work schedule for a claims adjuster? | Claims adjusters typically work standard business hours Monday through Friday, but schedules vary by specialization. Field adjusters travel to claim sites during business hours, while desk adjusters work in offices. During catastrophes or heavy claim periods, adjusters may work evenings, weekends, and extended hours. |
| What are the different types of claims adjusters? | Claims adjusters include staff adjusters employed directly by insurance companies, independent adjusters working on contract for multiple insurers, and public adjusters who represent policyholders. Specializations include auto, property, casualty, workers' compensation, and catastrophe adjusters who respond to natural disasters. |
| How much do claims adjusters make? | Claims adjusters earn a median annual salary of approximately $68,000, with entry-level positions starting around $45,000 and experienced adjusters earning over $95,000. Independent and catastrophe adjusters can earn significantly more through contract work and overtime during peak claim periods. |
| What is a public claims adjuster? | A public claims adjuster is a licensed professional who works exclusively for policyholders, not insurance companies. They help property owners navigate the claims process, document losses, negotiate with insurers, and maximize settlement amounts. Public adjusters typically charge a percentage of the final settlement. |
| What does a property claims adjuster do? | Property claims adjusters specialize in evaluating damage to homes and buildings from events like fire, wind, water, or vandalism. They inspect properties, estimate repair costs, review construction documents, coordinate with contractors, and determine coverage amounts based on policy terms and actual damages. |
| What does an auto claims adjuster do? | Auto claims adjusters evaluate vehicle damage and liability after accidents. They investigate collision scenes, review police reports, interview involved parties, inspect damaged vehicles, estimate repair costs, and determine fault. They process both property damage and bodily injury claims related to automobile accidents. |
| What is an independent claims adjuster? | Independent claims adjusters are self-employed professionals contracted by insurance companies to handle claims when staff adjusters are unavailable or during catastrophic events. They maintain licenses in multiple states, work for various insurers, and typically earn higher fees, especially during natural disasters. |
| What license is required to become a claims adjuster? | Most states require claims adjusters to obtain a state-issued license through examination and application. Requirements typically include pre-licensing education, passing a state exam, background checks, and fingerprinting. Some states participate in reciprocity agreements allowing licensed adjusters to work across state lines. |
| How do I get a claims adjuster license in Texas? | To obtain a Texas claims adjuster license, complete a state-approved pre-licensing course, pass the Texas All-Lines Adjuster exam, submit fingerprints, undergo a background check, and apply through the Texas Department of Insurance. The process typically takes 2-4 weeks after passing the exam. |
| How do I get a claims adjuster license in Florida? | Florida requires completing a 40-hour pre-licensing course, passing the Florida 6-20 All-Lines Adjuster exam, submitting an application with fingerprints, and paying required fees. Florida is a designated home state, allowing Florida-licensed adjusters to work in many other states through reciprocity. |
| What continuing education is required for claims adjusters? | Most states require licensed claims adjusters to complete continuing education credits every two years to maintain their license. Requirements typically range from 12 to 24 hours of approved courses covering topics like ethics, insurance law, policy updates, and claims handling procedures. |
| What is the average claims adjuster salary? | The average claims adjuster salary ranges from $55,000 to $75,000 annually, with variations based on experience, location, and specialization. Entry-level adjusters earn approximately $45,000, while experienced adjusters can earn $80,000 or more. Independent and catastrophe adjusters often earn substantially higher incomes. |
| How much does a Progressive claims adjuster make? | Progressive insurance claims adjusters earn an average base salary of $55,000 to $65,000 annually, with additional performance bonuses and benefits. Entry-level claims adjuster trainees start around $45,000, while experienced adjusters and senior roles can earn $75,000 or more with comprehensive benefits packages. |
| What factors affect claims adjuster salary? | Claims adjuster salaries vary based on experience level, geographic location, specialization type, employer size, and licensure status. Catastrophe adjusters and independent adjusters typically earn more through contract work. Urban areas and states with higher insurance activity generally offer higher compensation. |
| What are the career advancement opportunities for claims adjusters? | Claims adjusters can advance to senior adjuster, claims supervisor, claims manager, or specialized roles like catastrophe adjuster. Career paths include moving into underwriting, risk management, or insurance fraud investigation. Some adjusters become independent contractors or public adjusters for increased earning potential. |
| What is a claims adjuster trainee? | A claims adjuster trainee is an entry-level position where new adjusters learn claims investigation and processing under supervision. Trainees complete structured training programs, shadow experienced adjusters, handle simpler claims, and work toward obtaining state licensing. Training typically lasts 6 to 12 months. |
| How to become a claims adjuster? | To become a claims adjuster, earn a high school diploma or bachelor's degree, complete pre-licensing education if required by your state, pass state licensing exams, and apply for entry-level positions. Many companies offer trainee programs. Strong communication, analytical, and customer service skills are essential. |
| What training is required for claims adjusters? | Claims adjuster training includes state-mandated pre-licensing courses covering insurance principles, policy interpretation, ethics, and claims handling procedures. Employers provide on-the-job training in company systems, documentation requirements, and investigation techniques. Many adjusters pursue optional certifications like AIC or CPCU for career advancement. |
| What skills are needed to be a successful claims adjuster? | Successful claims adjusters need strong analytical abilities to evaluate damages, excellent communication skills for interviewing and negotiating, attention to detail for documentation, time management for handling multiple claims, and interpersonal skills for dealing with stressed claimants. Technical knowledge of construction, vehicles, or medical terminology is valuable. |
State Farm Claims Adjuster Salary
State Farm is one of the largest property and casualty insurance companies in the world. Its products include auto, life and home insurance. The company offers a variety of policies and special discounts for its customers.
Claims adjusters are responsible for evaluating accident claims and making sure the policyholders receive the appropriate compensation. They need to have excellent attention to detail and a good understanding of the insurance industry.
In addition, claims adjusters should have the ability to communicate effectively with clients. They should also be able to resolve conflicts and disagreements in a professional manner.
It is important to note that state farm is not your “good neighbor.” The insurance company exists to make money, and it will use all the tricks in its book to maximize profits. This includes denying claims in order to keep costs down.
You can prevent your State Farm claim from being denied by hiring a dedicated attorney. A skilled lawyer will carefully review your claim for its specific circumstances. Often, they can get State Farm to pay your claim without any hassles or complications.
AIG Express Claims Adjuster
AIG express claims adjuster trainees work to determine the value of a claim by meeting with insurance customers and professionals. They also review and audit files to ensure they are accurate. This role can be challenging, as it requires excellent communication skills and the ability to prioritize tasks in a fast-paced environment.
Aig is an international insurance company that serves more than 70 million clients worldwide. Its products include insurance plans for individuals and large businesses.
This position offers opportunities for career advancement, and new hires are given on-the-job training and a two-year development program. This training includes summits, meetings with executives, skill-development programs, and networking options.
The compensation package for aig express claims adjuster trainees is competitive, with average pay of $75,093 and an average bonus of $2,567. The average salary for an AIG express claims adjuster is 19% greater than the US average.
Aig is an international insurance and finance company that employs a diverse workforce. Its values, including taking ownership, setting the standard, and being an ally, guide its business decisions. AIG aims to serve its clients and communities well, focusing on financial security and sustainability in operations.
Independent Claims Adjuster
An independent claims adjuster works on a contract basis with insurance companies. They are usually hired when company staff adjusters are overloaded or for specialized cases that require more time and attention. Examples of these types of jobs include assessing damage from fires, tornadoes, and floods, as well as evaluating the claims of claimants living in remote or rural areas.
Whether you decide to work for an insurance company or independently, it’s important to know your state’s licensing requirements. If your state requires a license, you will need to complete a pre-licensing prep course and pass the exam before you can work as an independent adjuster.
The level of education needed to become a claims adjuster varies from state to state, but generally, a bachelor’s degree is recommended. However, it’s also possible to start in this career with just a high school diploma and some experience.
GEICO Claims Adjuster
If you have a knack for the science of insurance and a desire to work on a great team, GEICO might be the company for you. They offer an extensive nine-week training program that will put you on the fast track to becoming a fully trained auto damage adjuster in no time flat.
GEICO has an excellent benefits package that includes medical, dental, and vision coverage; paid vacation and sick time; a 401k matching program; onsite and remote health clinics; and more. In addition, they offer a flexible work schedule that can accommodate your life style.
GEICO offers an impressive list of the most important and most useful claims adjuster duties including conducting visual inspections of damaged vehicles, identifying damage, estimating insurance losses, and relaying information to appropriate personnel. They also provide a variety of tools and resources to help you perform your duties better. The best part is you get to do it all at your own pace, and on your own terms! The most fun part is the people you get to meet along the way.
Claims Adjuster License Texas
Texas is a great place to start a career as an insurance adjuster. The state is home to many major insurers, and the job offers a high level of salary and benefits.
There are several steps to becoming a claims adjuster in Texas, and getting your license is an important part of the process. You’ll need to complete a pre-licensing course and pass the state exam before you can apply for your license.
The course includes 10 hours of self-study material, 30 hours of online content and a timed 3 hour exam. Once you pass the exam, you’ll be ready to send in your pre-licensing application and fee.
AE21’s Texas All-Lines Adjuster Pre-Licensing Course is the most comprehensive course available in the industry. It walks you through all aspects of being a new adjuster and provides the foundation you need to be confident and productive from the first day on the job.
Claims Adjuster Resume
A claims adjuster trainee learns the basics of insurance by watching and learning from professionals in the field. They also complete paperwork and file reports to gain experience.
This position requires multitasking and quick-thinking so it’s a good idea to highlight these abilities on your resume. The main duties of a claims adjuster include investigating, determining liability and negotiating settlements.
In this role, you will interview witnesses and claimants to determine the amount of money owed by the insurance company for the damage. Your responsibilities also include inspecting property damage and analyzing police and hospital records to help the company make an accurate assessment.
Recruiters love to see a resume that highlights your previous work history and achievements. The work experience section on your resume should be detailed and tailored specifically to the job you are applying for.
You should list all of your qualifications and experience in order to show a hiring manager that you are the right candidate for the job. You should include a summary statement at the top of your resume and then sections for your skills, qualifications, and work history.
Florida Claims Adjuster License
If you’re looking to start your career as an insurance claims adjuster, you may need to obtain a Florida claims adjuster license. There are several options for obtaining a Florida claims adjuster license, including licensing courses and state exams.
Licensed insurance professionals can also receive their Florida 6-20, 7-20, or 70-20 All-Lines Adjuster license through reciprocity. This is available to both residents and non-residents who hold an adjuster license in a state with which Florida has a reciprocal agreement.
In order to receive a FL 6-20 adjuster license, you’ll need to pass the state exam and meet other requirements. However, if you’re a resident of Florida, you can receive an exemption from the state exam by taking an approved pre-licensing course.
In addition, if you’re not a resident of Florida, you can still receive your 6-20 adjuster license by completing an online designation program. This option allows you to get your professional designation without having to take the state exam, making it easier to work as an adjuster in Florida.
Claims Adjuster Test Questions and Answers
Many insurance companies offer remote claims adjuster positions, especially for desk adjusters handling property or auto claims. Remote adjusters review documents, conduct virtual inspections using video technology, communicate with claimants by phone and email, and process claims through online systems. However, field adjusters typically inspect damage sites in person, requiring travel to claim locations.
Claims adjusters work in diverse environments including office settings, claim sites, and field locations. They split time between desk work reviewing documents and computer analysis, and field inspections visiting damaged properties or accident scenes. The role requires flexibility, travel, and sometimes irregular hours during catastrophic events or heavy claim periods.
Start by obtaining your state claims adjuster license through pre-licensing courses and passing the licensing exam. Apply for claims adjuster trainee positions with insurance companies that provide structured training programs. Consider entry-level customer service roles in insurance to gain industry knowledge. Develop transferable skills like investigation, analysis, negotiation, and communication through relevant coursework or volunteer work.
The terms insurance adjuster and claims adjuster are often used interchangeably to describe the same role. Both investigate and evaluate insurance claims to determine coverage and settlement amounts. Some industry professionals use "insurance adjuster" as a broader term, while "claims adjuster" specifically emphasizes the claims evaluation function of the position.
A claims adjuster resume should highlight relevant licenses, certifications, and education at the top. Include specific claims experience with metrics like claims handled, settlement amounts, and closure rates. Emphasize investigation skills, software proficiency, customer service abilities, and knowledge of insurance policies. Quantify achievements and include any specialized training in property, auto, or liability claims.
Catastrophe claims adjusters are specialized professionals who respond to natural disasters like hurricanes, floods, wildfires, and tornadoes. They travel to disaster areas to handle the surge of insurance claims, work long hours in challenging conditions, and process numerous claims quickly. Catastrophe adjusters typically earn premium pay and may work independently or on contract.
Claims adjusters face challenges including managing high caseloads with tight deadlines, dealing with emotional claimants during stressful situations, making fair decisions with incomplete information, staying current with changing regulations and technology, balancing company interests with fair treatment of policyholders, and handling fraud detection. The role requires strong stress management and decision-making abilities.
Becoming a licensed claims adjuster typically takes 1 to 3 months, including completing pre-licensing education, studying for and passing the state exam, and obtaining your license. Entry-level training with an employer adds another 6 to 12 months. Becoming fully proficient generally requires 1 to 2 years of hands-on experience handling various claim types.
Claims adjusters use specialized software for claims management, estimation tools for property and vehicle damage, digital documentation systems, drone technology for roof and large property inspections, mobile apps for field data collection, and video conferencing for virtual inspections. Modern adjusters must be proficient with claims management platforms, databases, and emerging technologies like AI-assisted evaluation.
Claims adjusting can be moderately stressful due to high caseloads, tight deadlines, dealing with upset or frustrated claimants, making difficult coverage decisions, and managing competing priorities. Stress increases during catastrophic events when workload spikes dramatically. However, organized professionals with strong communication skills and emotional resilience generally manage the stress effectively while finding the work rewarding.