Insurance Adjusters, Examiners and Investigators: Salary, Job Description, How To Become One, and Quiz

Stan T.Career, OverviewLeave a Comment

Job description

Insurance Adjusters, Examiners and Investigators investigate, analyze, and determine the extent of insurance company’s liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.

  • Examine claims forms and other records to determine insurance coverage.
  • Analyze information gathered by investigation and report findings and recommendations.
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
  • Investigate and assess damage to property and create or review property damage estimates.
Read more about what does an Insurance Adjuster, Examiner and Investigator really do at work and what is it like being and working as one.

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Average salary
$67540 per year

Average hourly wage
$32 per hour

Insurance Adjusters and Investigators with little to no experience tend to make between $39620 and $50020 while the more experienced ones can earn over $81390 per year.

Top 5 paying states Hourly Annual
CT $38 $78,590
MA $37 $76,150
NJ $36 $74,260
DC $36 $74,210
AK $35 $73,370

One of the easiest ways to increase your salary as an Insurance Adjuster, Examiner and Investigator is to move to a higher paying state like CT. Right now, the highest paying states for Insurance Adjusters and Investigators are CT, MA, NJ, DC and AK.

However, a higher pay at CT doesn’t guarantee that you will make more because the living expenses at CT might be twice as high than where you are currently at now.

Three other factors that can increase your salary as an Insurance Adjuster, Examiner and Investigator is the degree you hold, the industry you work in, and lastly the company you work for.


Recommended degree level
Bachelor’s degree

We asked other Insurance Adjusters and Investigators what degree they had when they got the job and most of them said they had a Bachelor’s Degree followed by a High School Diploma.

Other than that, we also asked them what did they major in and here are the most popular majors that came up.

Health/Medical Claims Examiner
Read more about how to become an Insurance Adjuster, Examiner and Investigator and the degree, training and education you need.

Pros and Cons

Here are some of the pros and cons of being an Insurance Adjuster, Examiner and Investigator.

Suitable for people who likes to follow routines
Suitable for people who wants to work in a supportive work environment
This career is perfect for people who love to work indoors.
Very good salary
Normal working hours (40 hours per week)
Not suitable for people who likes to work with designs

What is the job like

Job satisfaction

Is this job meaningful

67% of Insurance Adjusters and Investigators said they were satisfied with their job and 43% said they feel like their job is making other people’s lives better.

Is this right for me

Best personality for this career
The Organizers and The Entrepreneurs

You can read more about these career personality types here.

People who are suitable for this job tends to like following set procedures and routines. They like working with data and details more than with ideas..

They also like starting up and carrying out projects. They like leading people and making many decisions. Sometimes they require risk taking and often deal with business.

Learn more about Insurance Adjusters and Investigators

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