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Contract Insurance Adjuster Jobs (NOW HIRING)

HDVI

Physical Damage Adjuster

Greenville, SC · On-site

Maintain current knowledge of insurance contracts and industry trends by proactively maintaining required adjuster license(s) * Provide technical expertise in response to inquiries from internal and ...

HDVI

Physical Damage Adjuster

Spartanburg, SC · On-site +1

Maintain current knowledge of insurance contracts and industry trends by proactively maintaining required adjuster license(s) * Provide technical expertise in response to inquiries from internal and ...

American Family Mutual Insurance Company Si

$88K - $145K/yr

Why Choose American Family Insurance? * Purpose-Driven Work: Help real people navigate complex ... Interpret and determine policies, leases, by-laws, declarations, articles, and contract coverages ...

AlphaStaffHCM

Injury Adjuster

Colorado Springs, CO · Hybrid

$57K - $77K/yr

Working knowledge of auto claims contracts, coverage evaluation, investigation, negotiation, and ... Familiarity with applicable case law and state insurance laws and regulations * Strong negotiation ...

AlphaStaffHCM

Injury Adjuster

Phoenix, AZ · Hybrid

$57K - $77K/yr

Working knowledge of auto claims contracts, coverage evaluation, investigation, negotiation, and ... Familiarity with applicable case law and state insurance laws and regulations * Strong negotiation ...

Frey Consulting Group

Injury Adjuster

Colorado Springs, CO · On-site

$60 - $80/hr

Working knowledge of auto claims contracts, coverage evaluation, investigation, negotiation, and ... Familiarity with applicable case law and state insurance laws and regulations * Strong negotiation ...

Alphastaff 3, Inc.

$60 - $80/hr

Working knowledge of auto claims contracts, coverage evaluation, investigation, negotiation, and ... Familiarity with applicable case law and state insurance laws and regulations * Strong negotiation ...

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Contract Insurance Adjuster information

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$74.7K

$110.5K

How much do contract insurance adjuster jobs pay per year?

As of Sep 8, 2026, the average yearly pay for contract insurance adjuster in the United States is $74,680.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What is a contract insurance adjuster?

Contract insurance adjusters are professionals who work independently or through third-party firms to investigate and assess insurance claims on behalf of insurance companies. Unlike staff adjusters, who are direct employees, contract adjusters are hired on a temporary or project basis, often during periods of high claim volume or for specialized cases. They evaluate damages, determine coverage, and negotiate settlements with policyholders or claimants. Their role helps ensure that insurance claims are processed efficiently and fairly, especially during catastrophic events or in areas with staffing shortages.

What are the key skills and qualifications needed to thrive as a contract insurance adjuster?

To thrive as a Contract Insurance Adjuster, you need a solid understanding of insurance policies, claims investigation, and relevant state licensing. Familiarity with claims management software, estimating tools like Xactimate, and industry certifications such as AIC or CPCU are commonly required. Strong analytical thinking, negotiation abilities, and effective communication help build trust with clients and resolve claims efficiently. These skills ensure accurate claim assessments, regulatory compliance, and positive client relationships in a highly detail-oriented field.

What are some common challenges faced by contract insurance adjusters when managing multiple claims simultaneously?

Contract Insurance Adjusters often handle several claims at once, which can be challenging due to varying deadlines, complex documentation requirements, and frequent communication with clients, claimants, and other parties. Staying organized and prioritizing tasks is essential to ensure timely investigations and accurate reporting. Adjusters must also adapt to different types of claims and policy guidelines, while maintaining strong customer service and compliance with legal standards.

How do independent insurance adjusters get jobs?

Independent insurance adjusters typically find work through staffing agencies, insurance companies, or online job boards that specialize in claims adjusting. Building a network of contacts and obtaining relevant certifications, such as the Certified Adjuster designation, can also help secure assignments. Many adjusters work on a contract basis, responding to claims as needed in various locations.
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Contract Insurance Adjuster jobs near you
Infographic showing various Contract Insurance Adjuster job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 20% Part Time, and 6% Contract. Highlights an 85% Physical, 1% Hybrid, and 14% Remote job distribution, with an average salary of $74,680 per year, or $35.9 per hour.

PIP Coverage and Qualification Adjuster

Miami, FL • On-site, Remote

United Automobile Insurance Company
Insurance Services • 501 - 1,000 employees
Learn more about United Automobile Insurance Companyexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 23 days ago

Job description

COMPANY OVERVIEW
Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for [a] Coverage and Qualification Adjuster(s) to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.
Auto PIP Claims experience required - This is a fully remote opportunity, and the ideal candidate will have an active adjuster's license, in Florida or Texas.
SCOPE:
As a Coverage and Qualification Adjuster, you will be responsible for reviewing and processing Personal Injury Protection claims, ensuring compliance with company policies and state regulations. This role involves assessing the validity of claims, determining coverage limits, and facilitating timely and accurate settlements.
DUTIES:
  • Review and assess PIP claims to determine coverage eligibility.
  • Analyze medical records, police reports, and other relevant documents to evaluate the extent of injuries and to establish proof of loss.
  • Interpret insurance policies, contracts, and state regulations to determine the extent of coverage applicable to each claim.
  • Communicate with claimants, medical professionals, attorneys, and other parties involved in the claim process to gather necessary information and documentation.
  • Provide clear and concise explanations of coverage decisions to claimants.
  • Conduct interviews with claimants to gather necessary information that supports an objective final disposition of the claims. These interviews may be conducted under oath or via phone.
  • Maintain accurate and organized claim files with all pertinent information, including correspondence, medical records, and assessment reports.
  • Issue payments for approved claims in accordance with company policies.
  • Ensure compliance with state laws, regulations, and company policies in all claim handling activities.
  • Generate and submit reports on claims activity, trends, and performance metrics.
  • Identify and investigate potentially fraudulent activities related to PIP claims.
  • Collaborate with the special investigation unit (SIU) when fraud is suspected.
  • Provide excellent customer service by addressing inquiries, concerns, and providing timely updates to claimants.
  • Prepare reports and documentation for internal purposes, regulatory compliance, and potential legal proceedings.

EDUCATION:
  • Associate or bachelor's degree preferred and/or a minimum of 3 years of related work experience, preferably with PIP claims.
  • Active Adjuster's license required

SKILLS & EXPERIENCE:
  • Bilingual (English & Spanish) preferred
  • Knowledge of insurance principles, policies, and procedures.
  • Strong analytical, negotiation, and communication skills.
  • Ability to work independently and efficiently manage a caseload.
  • Proficient in Guidewire, Word, Excel, Windows-based applications and internet usage.
  • Must be familiar with forms, procedures, regulations, coverages, and claims processes.
  • Must be able to exercise good judgment and state opinions assertively.
  • Must be able to write and speak clearly and concisely.
  • Must be able to perform work effectively in a highly intense environment and handle multiple tasks and demands simultaneously.
  • Must illustrate analytical skills to identify, gather, and organize information.
  • Must be able to work independently in a team environment.

BENEFITS:
  • 401(k) Retirement Savings Plan with employer match.
  • Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
  • Paid Time Off, Holidays, and Leave programs.
  • Flexible spending accounts
  • Basic Life Insurance and Voluntary Life/ADD
  • Short Term and Long-Term Disability
UAIC participates in the E-Verify program to confirm the employment eligibility of all newly hired employees. For more information about E-Verify, please visit https://www.e-verify.gov/.
UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, or belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. PIP Coverage and Qualification Adjuster

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