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How much do contract adjuster jobs pay per hour?

As of Jun 7, 2026, the average hourly pay for contract adjuster in the United States is $20.54, according to ZipRecruiter salary data. Most workers in this role earn between $17.31 and $21.88 per hour, depending on experience, location, and employer.

What is a Contract Adjuster?

A Contract Adjuster is a professional who evaluates, negotiates, and settles insurance claims on behalf of an insurer or a client, often working under a contractual agreement rather than as a permanent employee. Their primary responsibilities include investigating claims, reviewing policy details, assessing damages or losses, and determining the appropriate payout based on policy terms. They may work independently or for adjusting firms and are commonly used for property, casualty, or liability claims. Contract Adjusters must possess strong analytical, negotiation, and communication skills to ensure fair and efficient claim resolutions.

What is the difference between Contract Adjuster vs Claims Examiner?

AspectContract AdjusterClaims Examiner
Required CredentialsHigh school diploma or equivalent; industry certificationsHigh school diploma or equivalent; industry certifications
Work EnvironmentField and office settings, investigating claimsOffice-based, reviewing claims and documentation
Employer & Industry UsageInsurance companies, adjusting claims for property, auto, or health insuranceInsurance companies, reviewing claims for validity and coverage
Comparison Search IntentYesYes

Contract Adjusters and Claims Examiners both work within the insurance industry and often require similar credentials. However, Contract Adjusters typically investigate and settle claims directly in the field, while Claims Examiners review and process claims primarily in an office setting. Understanding these differences helps job seekers find the right role aligned with their skills and career goals.

What are some common challenges a Contract Adjuster faces when negotiating claims settlements?

Contract Adjusters often encounter challenges such as managing complex negotiations between multiple stakeholders, ensuring compliance with policy terms, and handling high volumes of claims within tight deadlines. Balancing the interests of the insurance company while maintaining fairness to policyholders requires strong analytical and communication skills. Additionally, adjusters must stay updated on changing regulations and industry standards to provide accurate assessments and recommendations.

What are the key skills and qualifications needed to thrive as a Contract Adjuster, and why are they important?

To excel as a Contract Adjuster, you need strong analytical abilities, attention to detail, and knowledge of insurance policies and contract law, often supported by a relevant bachelor's degree or insurance certification. Familiarity with claims management software, industry databases, and regulatory compliance systems is typically required. Excellent negotiation, communication, and problem-solving skills help you stand out in resolving disputes and working with clients. These competencies are crucial for accurately assessing claims, minimizing risk, and ensuring fair settlements in a timely manner.
More about Contract Adjuster jobs
What cities are hiring for Contract Adjuster jobs? Cities with the most Contract Adjuster job openings:
What are the most commonly searched types of Adjuster jobs? The most popular types of Adjuster jobs are:
What states have the most Contract Adjuster jobs? States with the most job openings for Contract Adjuster jobs include:
What job categories do people searching Contract Adjuster jobs look for? The top searched job categories for Contract Adjuster jobs are:
Contract Adjuster jobs near you
Infographic showing various Contract Adjuster job openings in the United States as of May 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 3% Full Time, 92% Part Time, 2% Temporary, and 1% Nights. Highlights an 69% Physical, 13% Hybrid, and 18% Remote job distribution, with an average salary of $42,717 per year, or $20.5 per hour.
RISK MANAGEMENT PROGRAM SPECIALIST - 43000218

RISK MANAGEMENT PROGRAM SPECIALIST - 43000218

State of Florida

Tallahassee, FL • On-site

$48K - $51K/yr

Full-time

Retirement

Posted 13 days ago

State Of Florida rating

6.7

Company rating: 6.7 out of 10

Based on 180 frontline employees who took The Breakroom Quiz

47th of 50 rated states

Job description

Requisition No: 876498
Agency: Financial Services
Working Title: RISK MANAGEMENT PROGRAM SPECIALIST - 43000218
Pay Plan: Career Service
Position Number: 43000218
Salary: $48,945.48 - $51,000.00
Posting Closing Date: 06/09/2026
Total Compensation Estimator Tool
****OPEN COMPETITIVE EMPLOYMENT OPPORTUNITY*****
DIVISION: RISK MANAGEMENT
BUREAU: STATE LIABILITY AND PROPERTY CLAIMS
CITY: TALLAHASSEE
COUNTY: LEON
Requirements:
  • One (1) or more years' experience in the insurance field or adjusting liability claims.
  • Proficient in using Microsoft Word and Excel.

Preferences:
  • Experience in the legal field or working with attorneys.
  • Experience in negotiations or conflict resolution.
  • Experience working in a Risk Management Information System, Insurance Management system, or similar claims database.
  • Currently have, or have held, a Florida Adjuster license.
  • Bachelor's degree from an accredited college or university.

Minimum Qualifications for this position include the following REQUIRED ENTRY LEVEL KNOWLEDGE, SKILLS, AND ABILITIES:
  • Knowledge of the principles of insurance & risk management of methods of compiling, organizing, & analyzing data.
  • Ability to conduct fact-finding interviews.
  • Ability to investigate insurance claims.
  • Ability to understand and apply applicable rules, regulations, policies and procedures.
  • Ability to collect, analyze and interpret data.
  • Ability to make and defend decisions about insurance claims.
  • Ability to plan, organize & coordinate work activities.
  • Ability to communicate effectively verbally & in writing.
  • Ability to establish & maintain an effective working relationship with others.

SPECIAL NOTES:
This position is required to work from 8:00 a.m. to 5:00 p.m., Monday through Friday.
The selected candidate must be able to travel to the North Florida region by driving a car, and/or using a commercial airline.
The position will be filled at $48,945.48 - $51,000.00, based on experience.
Employees of the Department of Financial Services are paid on a monthly pay cycle.
This position requires a security background check, including fingerprint as a condition of employment.
Responses to qualifying questions must be clearly supported by the state application and any omission, falsification, or misrepresentation in the answering of the qualifying questions will be cause for immediate elimination from the selection process.
BRIEF DESCRIPTION OF DUTIES:
Conducts investigations of State liability claims which are filed against the State and its employees. When necessary, assign specific claims to contract adjusters for field investigation. Negotiates and settles claims filed against the state and/ or employees. Works with assigned counsel to resolve and defend claims brought against the state and employees
  1. Conducts investigations of State liability claims, which are filed against the State and its employees. When necessary, assign specific claims to contract adjusters for field investigation. Responsible for supervising and directing the contract adjuster's activity during the investigation process and responsible for the overall quality of claims management.
  2. Responsible for the continual review of claims files. Directly responsible for all facets of litigation management to include scrutinizing summons and complaints, answers, motions, and other legal documents in order to discern legal strategies, possible additional claims and counter claims, etc. Responsible for having and maintaining a fundamental working knowledge of the statutory, case law, and procedural laws applicable to assigned cases and for suggesting to attorney's other strategies pertinent to the efficient and professional handling of each assigned claim. Responsible for assisting the agency involved, where appropriate, in coordinating with the defense attorney. Responsible for developing, with the contract defense attorney, an agreed plan of defense. Responsible for keeping the Administrator and personnel of the involved state agency fully informed of significant case developments. Responsible for authorizing timely offers of judgment/proposals for settlement, offers of settlement, pre-trial settlements, and for attending court ordered mediations and trials.
  3. Based on facts derived from the claims investigation and or pre-trial discovery, responsible for applying appropriate case law and making a determination of liability for the purpose of exploring the desirability of settlement; related to this responsibility is the need to properly evaluate medical reports, vendor bills, and estimates of damage; responsible for authorizing and making offers of settlement up to approved authority and denying claims when necessary. Responsible for the adjustment and recording of claim reserve and reserve balances to reflect the monetary exposure on claim files.
  4. Responsible for the review, adjustment, and approval of all attorney and other contract vendors' fees and expense statements, including all travel and other expenses of vendors.
  5. Responsible for the overall maintenance of the claims information contained in the assigned claim files, including the accuracy of the claims information and reserves in the division's data processing system. This includes proper data coding into the system and accurate verification. Responsibility also includes the effective maintenance of the file diary system.

If you are a retiree of the Florida Retirement System (FRS), please check with the FRS on how your current benefits will be affected if you are re-employed with the State of Florida. Your current retirement benefits may be canceled, suspended, or deemed ineligible depending upon the date of your retirement.
Candidates requiring a reasonable accommodation, as defined by the Americans with Disabilities Act, must notify the agency hiring authority and/or People First Service Center (1-866-663-4735). Notification to the hiring authority must be made in advance to allow sufficient time to provide the accommodation.
The State of Florida supports a Drug-Free workplace. All employees are subject to reasonable suspicion drug testing in accordance with Section 112.0455, F.S., Drug-Free Workplace Act.
VETERANS' PREFERENCE. Pursuant to Chapter 295, Florida Statutes, candidates eligible for Veterans' Preference will receive preference in employment for Career Service vacancies and are encouraged to apply. Certain service members may be eligible to receive waivers for postsecondary educational requirements. Candidates claiming Veterans' Preference must attach supporting documentation with each submission that includes character of service (for example, DD Form 214 Member Copy #4) along with any other documentation as required by Rule 55A-7, Florida Administrative Code. Veterans' Preference documentation requirements are available by clicking here. All documentation is due by the close of the vacancy announcement.
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