How To Become an Adjuster

More commonly known as the claims or loss adjuster (in the UK), an adjuster either works as an independent contractor or is an insurance company employee or as a private individual, to inspect damages for accident claims. Claims adjusters work specific to claims, for example, some work to inspect damages to homes caused by natural disasters or fires; while some work to inspect injury and damage caused by car accidents. Others handle any type of disasters or accident claims regardless of what or who is involved in the insurance claim. Outside the United States, they are called ‘insurance loss assessors’ or simply ‘loss assessors’.

Job description

An adjuster is responsible for appraising damage, preparing claim documentation and other estimates, negotiating with the insurance company’s adjuster and read the policy of insurance to determine coverage.

Skills required

  1. Knowledge of rules, laws, court procedures and political process,
  2. Knowledge of basic algebra, arithmetic, geometry and statistics,
  3. Excellent written and verbal communication skills,
  4. Excellent working knowledge of the English language which includes grammar, spellings, etc,
  5. Excellent negotiation skills,
  6. People skills for managing uncooperative and irate clients.

Insurance claims adjusters: 3 classes

  • Staff adjuster – self-insured entity or works for an insurance company.
  • Independent adjuster – independent contractors who work for an insurance company.
  • Public adjuster – works for a policyholder.


  1. Browse through different universities and institutions to check on courses offered for becoming insurance adjusters. Some organizations give you an option to learn online in case you are unable to attend sessions physically at their location. Once you are into the course, your hard work and efficiency will increase job prospects.
  2. On course completion, look through local newspapers and magazines for openings in insurance companies as an adjuster and apply. Make sure you have your contact details and necessary educational qualifications listed on your CV while applying.
  3. Gain experience in an insurance company as an adjuster. Managing various cases will give you enough knowledge and experience to either continue working for your company for higher prospects or start on your own. Enhance existing skills while working, join upgrade courses if necessary.
  4. Get through tougher examination and gain 10 years of experience to grow as a Senior Professional Public Adjuster (SPPA) Continue attending seminars and be involved with the latest news in the industry.


  • It is always recommended to get certified by reputed institutions to seek prospective employers’ attention.
  • Non-residential licensed insurance adjusters will need to undergo an examination for the state they intend to practice in, apart from one’s resident state.


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