ZipRecruiter

Log In

1

Independent Adjuster Jobs in Michigan (NOW HIRING)

next page

Showing results 1-20

All JobsIndependent Adjuster JobsIndependent Adjuster Jobs in Michigan

Independent Adjuster information

See Michigan salary details

$56.2K

$71.9K

$85.4K

How much do independent adjuster jobs pay per year?

As of Aug 30, 2026, the average yearly pay for independent adjuster in Michigan is $71,906.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,100.00 and $79,800.00 per year, depending on experience, location, and employer.

What is an independent adjuster?

Independent adjusters are professionals who assess insurance claims on behalf of insurance companies but are not directly employed by those companies. Instead, they work as contractors or through independent adjusting firms, often handling claims in areas affected by disasters or where insurers do not have staff adjusters available. Their main responsibilities include investigating the details of a claim, inspecting property damage, estimating repair costs, and helping to determine the amount the insurance company should pay. Independent adjusters play a key role in ensuring that claims are processed efficiently and fairly. They often work on a variety of claim types, such as property, casualty, and auto insurance.

What are some common challenges independent adjusters face when handling multiple claims simultaneously?

Independent Adjusters often manage several claims at once, which can be challenging due to varying deadlines, complex documentation requirements, and the need to coordinate with multiple stakeholders such as policyholders, contractors, and insurance companies. Staying organized, prioritizing tasks, and effectively communicating with all parties are essential to ensure timely and accurate claim resolution. Many adjusters use specialized software and mobile tools to streamline paperwork and reporting, but adaptability and strong time management skills remain crucial for success in this fast-paced environment.

What are the key skills and qualifications needed to thrive as an independent adjuster, and why are they important?

To thrive as an Independent Adjuster, you need a detailed understanding of insurance policies, claims investigation, and damage assessment, often supported by an adjuster license in the relevant state. Familiarity with claims management software (like Xactimate or Symbility) and proficiency in digital documentation tools are typically required. Strong communication, negotiation, and time management skills help build trust with clients and efficiently resolve claims. These abilities ensure accurate claim evaluations, client satisfaction, and compliance with industry regulations.

What is the difference between Independent Adjuster vs Staff Adjuster?

AspectIndependent AdjusterStaff Adjuster
CredentialsLicensing varies by state; often requires adjuster licenseTypically requires licensing; may need company-specific training
Work EnvironmentSelf-employed, flexible schedule, remote or on-siteEmployed by insurance company, fixed office or claim site
Employer & Industry UsageWorks independently for multiple clients or firmsWorks directly for an insurance company
Work ScopeHandles claims on a contract basis, often on specific casesManages claims as part of regular employment, ongoing

In summary, Independent Adjusters operate independently, often on a contract basis, with flexible schedules and varied clients. Staff Adjusters are employed directly by insurance companies, working within a structured environment. Both roles require licensing, but their work settings and employment structures differ significantly.

How to get work as an independent adjuster?

To work as an independent adjuster, you typically need to obtain relevant licensing or certification, which varies by state or region. Gaining experience through internships or entry-level positions, building a network with insurance companies and adjusting firms, and developing skills in claims assessment and communication can also help secure work in this field.

Is being an independent adjuster worth it?

Independent adjusters evaluate insurance claims, often working on a contract basis and handling claims remotely or in the field. The role offers flexibility and the potential for high earnings, but income can vary based on workload, experience, and market demand, and it typically requires licensing and strong investigative skills.

What are the most commonly searched types of Independent Adjuster jobs in Michigan?

The most popular types of Independent Adjuster jobs in Michigan are:

What are popular job titles related to Independent Adjuster jobs in Michigan?

For Independent Adjuster jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Independent Adjuster jobs in Michigan look for?

The top searched job categories for Independent Adjuster jobs in Michigan are:

What cities in Michigan are hiring for Independent Adjuster jobs?

Cities in Michigan with the most Independent Adjuster job openings:

Independent Adjuster jobs near you
Infographic showing various Independent Adjuster job openings in Michigan as of August 2026, with employment types broken down into 88% Full Time, 5% Part Time, and 7% Contract. Highlights an 90% In-person, 7% Hybrid, and 3% Remote job distribution, with an average salary of $71,906 per year, or $34.6 per hour.

Senior Property Claims Adjuster (Complex, Large Loss Claims)

Tmhcc

Troy, MI • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 3 days ago

Job description

Role Details

Job Title: Senior Property Claims Adjuster (Complex, Large Loss)

Location: Remote (MA, GA, MS, UT, AL, FL, IN, IA, LA, MO, NC, OK, PA, TX, WI)/ Hybrid (in Troy, MI)

Employment Type: Full-Time

Requisition Begin Date: 07/28/2026

Requisition End Date 10/28/2026 (Posting may close earlier if filled or business needs change.)

Help us insure it

Tokio Marine HCC - Public Risk Group,a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.

Role Overview

We are seeking a Senior Property Claims Adjuster to manage complex, multi-line first party claims with a high degree of autonomy and technical expertise. In this role, you will handle claims from initial investigation through resolution, applying advanced coverage knowledge and strong analytical judgment to deliver fair, timely outcomes while providing exceptional service to our insureds and partners.

Key Responsibilities

  • Analyze coverage issues, conduct investigations, and evaluate damages and liability to determine validity of complex property claims. Formulate and issue coverage position letters, seeking appropriate authority from management.

  • Communicate with insureds and agents and provide customer service to the high standards of the company.

  • Investigate claims by conducting interviews, assigning an Independent Adjuster to complete an on-site scene investigation, and preparing written correspondence to insureds, agents, and claimants.

  • Ability to analyze an estimate of structural damage written with Xactimate software.

  • Review contractor estimates, independent adjuster reports, appraiser reports, and engineering reports to determine extent of damages.

  • Recommend reserves and settlements that are in excess of the defined authority limit.

  • Recommend and present proposed settlement terms for claims that are in excess of the defined authority limit.

  • Negotiate claim settlements with insureds, contractors, and other parties in the claims process within defined authority limits.

  • Maintain claim files and documents in accordance with company policy and procedures.

  • Travel for meditations and other business/ company meetings.

What You Bring

  • Bachelor's degree or the equivalent combination of education and/or work experience.

  • Minimum of five (5) years of relevant and progressive professional experience in insurance claims.

  • Current Active State Adjuster's License(s).

  • Excellent written and verbal communication skills.

  • Consistently presents oneself professionally in varied business settings.

  • Advanced organizational and analytical focus with high attention to detail.

  • Effective at managing time and resources to accomplish multiple tasks in a fast-paced, deadline-oriented environment.

  • Problem-solving approach to business issues.

  • Self-motivated and able to work independently

  • Strong interpersonal and negotiation skills.

  • Proficiency in Microsoft Office Suite, specifically Outlook, Word, Excel, and PowerPoint.

What We Offer

  • Competitive salary and comprehensive benefit package

  • Strong learning culture with ongoing development opportunities

  • Opportunities for growth and career advancement

  • Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment

  • Basic life and disability insurance

  • 401(k) plan with 6% company match

  • 20 days of PTO and two floating holidays (prorated)

  • Approximately 11 paid holidays and volunteer time off

  • Paid parental leave

  • Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription

  • Student loan matching program

  • Employee discount program

  • An opportunity to do meaningful work and love what you do

Disclaimer

You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC 1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]

About Us

Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what's next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.

#LI-NL1

#LI-Remote

Apply