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Independent Catastrophe Adjuster Jobs (NOW HIRING)

Elevate Claims Solutions

Estimator

Dallas, TX · On-site

The ideal candidate can work independently in a fast-paced, high-volume CAT environment while ... Prior catastrophe claims experience strongly preferred. * Applicable adjuster licensing may be ...

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Independent Catastrophe Adjuster information

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$64.5K

$82.5K

$98K

How much do independent catastrophe adjuster jobs pay per year?

As of Sep 4, 2026, the average yearly pay for independent catastrophe adjuster in the United States is $82,500.00, according to ZipRecruiter salary data. Most workers in this role earn between $73,500.00 and $91,500.00 per year, depending on experience, location, and employer.

What is an independent catastrophe adjuster?

An Independent Catastrophe Adjuster is a professional who evaluates insurance claims related to major disasters, such as hurricanes, floods, or wildfires, on behalf of insurance companies. Unlike staff adjusters, they are typically contracted on a temporary basis to handle large volumes of claims after a catastrophe. Their responsibilities include inspecting damaged properties, estimating repair costs, and helping policyholders understand the claims process. They often travel to affected areas and must be able to work in challenging environments. Independent catastrophe adjusters play a crucial role in helping people recover after large-scale disasters.

What does an independent catastrophe adjuster do?

An independent catastrophe adjuster assesses insurance claims after a disaster. As an independent adjuster, you function as a contractor, so you investigate each insurance claim on a freelance basis, and you are not an employee of an insurance firm. Your duties include traveling to the site of the disaster to assess the damage. You perform research to see if the policy that your client sold to the owner covers the damage. Your responsibilities also include negotiating a settlement with the policy-holder. Your job often involves climbing onto roofs or into small spaces to assess loss and estimate repair costs.

What are the key skills and qualifications needed to thrive as an independent catastrophe adjuster?

To thrive as an Independent Catastrophe Adjuster, you need a solid understanding of insurance policies, claims investigation, and property assessment, often supported by a state adjuster license. Familiarity with claims management software, Xactimate estimating tools, and digital documentation systems is typically required. Strong analytical thinking, resilience, and effective communication skills help you manage stressful situations and provide clear updates to policyholders. These skills ensure accurate claim resolutions, efficient workflow management, and satisfied clients during high-pressure catastrophe events.

What are some common challenges faced by independent catastrophe adjusters when working in disaster zones?

Independent Catastrophe Adjusters often encounter challenging conditions in disaster zones, such as limited access to affected areas, unpredictable weather, and the emotional impact of working with distressed policyholders. Time management is crucial, as adjusters must handle a high volume of claims under tight deadlines. Additionally, adjusters need to work independently while maintaining strong communication with insurance companies and clients, ensuring accurate documentation and fair settlements. Flexibility, resilience, and adaptability are key to succeeding in this dynamic environment.

How to become an independent catastrophe claims adjuster?

To become an independent catastrophe claims adjuster, you typically need a high school diploma or equivalent, relevant insurance licensing, and experience in claims adjusting or insurance. Many adjusters obtain certifications such as the Certified Claims Adjuster (CCA) or similar credentials, and must be prepared to work in the field during disaster response, often requiring strong communication and assessment skills.

Is being an independent catastrophe adjuster worth it?

Independent catastrophe adjusters evaluate insurance claims after disasters, often working on a contract basis and traveling to affected areas. The role offers flexibility and the potential for high earnings during peak disaster seasons but can involve irregular hours, extensive travel, and variable income. Success depends on industry experience, certifications, and the ability to handle stressful situations.
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Independent Catastrophe Adjuster jobs near you
Infographic showing various Independent Catastrophe Adjuster job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 18% Part Time, and 8% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $82,500 per year, or $39.7 per hour.

Field Adjuster - Minnesota

Universal Insurance Holdings, Inc.

Remote

$66K - $88K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 16 days ago

Job description

Know your rights

Inform yourself of your rights and responsibilities by reviewing the content provided in the list below.

  • Employment Eligibility (e-Verify):English & Spanish
  • Right to work:English/Spanish

It's fun to work in a company where people truly BELIEVE in what they're doing!

We're committed to bringing passion and customer focus to the business.

Position Overview:

The Field Adjusters primary responsibility is to manage, investigate and resolve assigned property claims. This position is dedicated to providing customer service to policyholders by providing fair and timely resolutions of claims. The Field Adjuster understands insureds needs and provides advice in order to deliver appropriate solutions.
The following are the usual, basic and essential functions of the position. These functions are not to be construed as an exhaustive list of all responsibilities, duties and skills required.
Duties and Responsibilities:

  • Communicate with independent adjusters and other experts to gather information on claims

  • Negotiate and explain settlements with the insured and/or their representatives

  • Answer incoming telephone calls from agents, public adjusters, insureds, and other vendors

  • Review and analyze written information

  • Knowledge of multiple policy forms

  • Prepare reports based on the policy language

  • Prepare detailed estimates of the damage

  • Understanding of estimating software

  • Rely on training and guidance from management to plan and accomplish goals

  • Experience writing Property estimates using Xactimate or related software

  • Ability to climb on ladders to inspect roofs

  • Ability to carry a 40-pound ladder

  • Supports catastrophe operations as needed to include working extended hours during designated CATs

Required Knowledge, Skills & Ability

Must possess a valid claims adjuster license.

  • High School Diploma or GED

  • 2+ years property field adjusting experience

  • Working knowledge of Microsoft Office including Word, Excel and Outlook

  • Must possess Insurance License

  • Possession of other state license as required by management

  • Ability to work independently as well as a team player

  • Ability to multi-task

  • Computer savvy

  • Basic calculator skills

  • Working knowledge of ISO policies

  • Valid driver's license

  • Vehicle provided at Company discretion

  • Bilingual preferred #ZR

Benefit Highlights

  • Industry leading medical, dental and vision insurance plan
  • 401(k) Retirement Plan with a company match of 100% on up to 5% of compensation (match is fully-vested immediately)
  • Generous PTO policy
  • Eligible for performance based bonuses

Apply