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Insurance Appraiser Jobs (NOW HIRING)

2025 Logo

Commercial Appraiser, Remote

Saint Louis, MO · On-site

$60K - $70K/yr

HCA Asset Management is looking for our next Commercial Insurance Appraiser. HCA is a consulting and appraisal firm offering inventory and appraisal services to corporate, university, and ...

2025 Logo

Commercial Appraiser, Remote

Boston, MA · On-site

$60K - $70K/yr

Are you a Claims Adjuster in the Insurance field yearning for an opportunity to belong to something better? HCA is a consulting and appraisal firm offering inventory and appraisal services to ...

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Insurance Appraiser information

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$39.5K

$50K

$58.5K

How much do insurance appraiser jobs pay per year?

As of Jun 25, 2026, the average yearly pay for insurance appraiser in the United States is $49,999.00, according to ZipRecruiter salary data. Most workers in this role earn between $45,000.00 and $55,000.00 per year, depending on experience, location, and employer.

What does it take to be an insurance appraiser?

To become an insurance appraiser, candidates typically need a high school diploma or equivalent, relevant work experience in insurance or auto repair, and knowledge of valuation methods. Many states require licensing or certification, such as the Certified Insurance Appraiser designation, and strong analytical skills are essential for assessing damages accurately.

How hard is the appraiser test?

The insurance appraiser test typically involves passing a licensing exam that covers insurance policies, claims adjusting, and relevant state laws. The difficulty varies depending on prior knowledge and study preparation, but thorough review and understanding of industry standards are essential for success.

Are appraisers in demand right now?

Insurance appraisers are currently in demand due to the ongoing need for property and vehicle damage assessments, especially as insurance claims increase after natural disasters and accidents. The profession requires strong analytical skills, attention to detail, and often state licensing or certification, which can influence job availability. Overall, employment prospects for insurance appraisers remain stable and are expected to grow with the insurance industry.

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

To thrive as an Insurance Appraiser, you need expertise in property or automotive damage assessment, a solid understanding of insurance policies, and typically a relevant bachelor's degree or equivalent experience. Familiarity with estimating software like CCC One, Audatex, or Mitchell, as well as state-specific appraiser licensing or certification, is often required. Strong analytical thinking, negotiation skills, and attention to detail help you deliver accurate, fair appraisals and communicate findings clearly. These skills are crucial for minimizing claim errors, ensuring customer satisfaction, and supporting the integrity of the claims process.

What is the difference between Insurance Appraiser vs Claims Adjuster?

AspectInsurance AppraiserClaims Adjuster
CredentialsInsurance licenses, certifications in appraisal or valuationInsurance licenses, claims handling certifications
Work EnvironmentIndependent evaluations, field inspections, office workField inspections, office assessments, customer interactions
Employer & IndustryInsurance companies, independent appraisal firmsInsurance companies, third-party claims services
Search & Comparison IntentUnderstanding valuation roles, appraisal processesClaims processing, settlement procedures

Insurance Appraisers focus on evaluating property damage and determining repair or replacement costs, often working independently or with appraisal firms. Claims Adjusters handle the overall claims process, investigating damages, negotiating settlements, and working directly with policyholders. While both roles require insurance licenses and involve damage assessment, their primary responsibilities and work environments differ.

What does an Insurance Appraiser do?

An Insurance Appraiser evaluates the value of damaged property, vehicles, or other insured items to determine the amount an insurance company should pay for a claim. They inspect the damaged property, review police or incident reports, consult with repair shops or contractors, and use specialized software to estimate repair or replacement costs. Insurance Appraisers play a key role in ensuring that claims are settled fairly and accurately according to the policy terms.

How do Insurance Appraisers typically interact with clients, repair shops, and insurance adjusters during the claims process?

Insurance Appraisers work closely with clients, repair shops, and insurance adjusters to assess vehicle or property damage and determine appropriate claim values. Daily responsibilities often involve inspecting damaged items, documenting findings, and communicating estimates to both clients and repair professionals. Effective collaboration ensures that repairs are accurate and costs are reasonable, while also addressing any questions or concerns from policyholders. Building strong relationships and maintaining clear, professional communication are key to resolving claims efficiently and fairly.

Will AI replace appraisers?

Insurance appraisers evaluate damage and determine claim settlements, and AI technology is increasingly used to assist with data analysis and damage assessment. While AI can automate certain tasks, the role of an appraiser requires judgment, inspection skills, and industry knowledge that are difficult to fully replicate with AI alone. Therefore, AI is more likely to augment rather than replace insurance appraisers entirely.

What Does an Insurance Appraiser Do?

An insurance appraiser assesses the value of an item to estimate the amount of appropriate coverage. Many individuals work in the auto insurance industry where they inspect a vehicle after an accident to determine the extent of the damage. In this career, you also confirm if a policy covers the costs of the claims. Your other responsibilities differ with the type of insurer. The work is full-time with much of it spent on-site or at automotive repair shops. Evening and weekend hours are commonplace. License requirements vary with the state. Staying current with the technology is imperative for accurate estimates no matter the field in which you work.

More about Insurance Appraiser jobs
What cities are hiring for Insurance Appraiser jobs? Cities with the most Insurance Appraiser job openings:
Who are the top companies hiring for Insurance Appraiser jobs? The top employers for Insurance Appraiser jobs are:
What states have the most Insurance Appraiser jobs? States with the most job openings for Insurance Appraiser jobs include:
What job categories do people searching Insurance Appraiser jobs look for? The top searched job categories for Insurance Appraiser jobs are:
What are popular job titles related to Insurance Appraiser jobs? For Insurance Appraiser jobs, the most frequently searched job titles are:
Insurance Appraiser jobs near you
Infographic showing various Insurance Appraiser job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 75% Full Time, and 24% Part Time. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $49,999 per year, or $24 per hour.

Commercial Appraiser, Remote

2025 Logo

Saint Louis, MO • On-site

$60K - $70K/yr

Full-time

Medical, Retirement

Posted 2 days ago

Job description

Description:

HCA Asset Management is looking for our next Commercial Insurance Appraiser. HCA is a consulting and appraisal firm offering inventory and appraisal services to corporate, university, and governmental clients throughout the United States. We believe that our customers are our friends and that doing the right thing never goes out of style. As a Commercial Appraiser, you will learn from the best in the business, have fun doing it, and be rewarded for your performance. We are proud to offer the best benefits in the business along with an environment where only YOU will limit your growth potential.


As a Commercial Appraiser with HCA, a typical day might include:

  • Inspecting commercial buildings and collecting data on structure characteristics
  • In-office pricing using collected field data and industry-standard methodologies
  • Interfacing directly with clients to discuss project scope and findings
  • Working with senior team members to hone appraisal skills and produce client deliverables
  • Conducting field inventory of client movable equipment and assets
Requirements:

As a new team member with HCA, you will need to:

  • Exhibit a proven ability to work independently in a remote environment
  • Be 100% committed to delivering the best experience to HCA Clients
  • Be a critical thinker, and thrive on learning new things
  • Enjoy solving problems and improving internal and external processes
  • Effectively communicate with clients and team members
  • Feel comfortable communicating with customers and coworkers of any level
  • Be detail oriented and extremely organized, including regular documentation
  • Travel for assignments, including out-of-state, 50%-70% of the time
  • Hold a degree or similar work experience
  • Have a high level of expertise in Excel

Bonus if you have skills or experience in any of these:

  • Construction cost estimating, or prior commercial appraisal experience
  • Claims Adjuster (Property, Vehicles, Equipment, etc)
  • Engineering or blueprint reading
  • Bachelor’s degree in a related field
  • Property Insurance Underwriting and/or Claims (commercial preferred)
  • Knowledge of Water / Wastewater Industry
  • Experience in Public Entity operations

HCA Asset Management is a 40-year-old privately owned group of Appraisers and Capital Asset experts. We offer a competitive benefit package, including health insurance and 401k plan. And most of our jobs are 100% remote!