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Insurance Appraiser Jobs in Kentucky (NOW HIRING)

True Footage

Certified Residential Appraiser

Louisville, KY

$90K - $111K/yr

The Appraiser has the ability to complete valuations for most types of properties and complexities ... Paid tools and subscriptions (software, MLS/Supra dues, E&O insurance, license renewals, and CE ...

True Footage

Certified Residential Appraiser

Bowling Green, KY · On-site

$92K - $114K/yr

The Appraiser has the ability to complete valuations for most types of properties and complexities ... Paid tools and subscriptions (software, MLS/Supra dues, E&O insurance, license renewals, and CE ...

True Footage

Certified Residential Appraiser

Louisville, KY · On-site

$90K - $111K/yr

The Appraiser has the ability to complete valuations for most types of properties and complexities ... Paid tools and subscriptions (software, MLS/Supra dues, E&O insurance, license renewals, and CE ...

True Footage

Certified Residential Appraiser

Bowling Green, KY · On-site

$92K - $114K/yr

The Appraiser has the ability to complete valuations for most types of properties and complexities ... Paid tools and subscriptions (software, MLS/Supra dues, E&O insurance, license renewals, and CE ...

Snapsheet

$135 - $165/hr

Virtual Appraisals About Snapsheet Snapsheet is claims technology the way it should be: purposeful ... Additional protection through voluntary benefits like Accident Insurance, Hospital Indemnity ...

E Farmcredit

Collateral Analyst

Shelbyville, KY · On-site

$60.26 - $125.91/hr

Medical, dental, and vision insurance * Well-being and fitness reimbursement programs * Paid ... Conducts timely, high-quality, and credible appraisals and valuations of loan collateral and ...

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All JobsInsurance Appraiser JobsInsurance Appraiser Jobs in Kentucky

Insurance Appraiser information

See Kentucky salary details

$34.3K

$43.4K

$50.8K

How much do insurance appraiser jobs pay per year?

As of Aug 19, 2026, the average yearly pay for insurance appraiser in Kentucky is $43,426.00, according to ZipRecruiter salary data. Most workers in this role earn between $39,100.00 and $47,800.00 per year, depending on experience, location, and employer.

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.

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.

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.

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.

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.

Are insurance appraisers in demand right now?

Insurance appraisers are in steady demand due to ongoing needs for property and casualty assessments, especially as insurance claims increase after natural disasters or accidents. The role requires strong analytical skills and often certification, with employment opportunities available in insurance companies, adjusting firms, and independent consulting. Demand can vary by region and economic conditions but generally remains stable in the insurance industry.

Is it hard to get a job as an insurance appraiser?

Getting a job as an insurance appraiser can be competitive, often requiring relevant experience, industry knowledge, and sometimes certification such as the CAIP or AIC. Strong analytical skills and familiarity with claims adjusting and valuation tools can improve employment prospects, but entry may be easier with related experience in insurance or appraisal fields.
More about Insurance Appraiser jobs

What are popular job titles related to Insurance Appraiser jobs in Kentucky?

For Insurance Appraiser jobs in Kentucky, the most frequently searched job titles are:

What job categories do people searching Insurance Appraiser jobs in Kentucky look for?

The top searched job categories for Insurance Appraiser jobs in Kentucky are:

What are popular job titles related to Insurance Appraiser jobs in KY?

For Insurance Appraiser jobs in KY, the most frequently searched job titles are:

Insurance Appraiser jobs near you
Infographic showing various Insurance Appraiser job openings in Kentucky as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 22% Part Time, and 5% Contract. Highlights an 90% Physical, 1% Hybrid, and 9% Remote job distribution, with an average salary of $43,426 per year, or $20.9 per hour.

Residential High Value Insurance Appraiser - Paducah, KY

exl

Paducah, KY • On-site

Full-time, Contractor

Re-posted 11 days ago

ExlService Holdings rating

7.8

Company rating: 7.8 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

134th of 492 rated business services

Job description

The Company

Commercial and personal line insurance carriers rely on EXL as a key business partner through our Castle High Value and EXL Risk Control service offerings. We offer a variety of field appraisal, inspection and risk control services to support our clients’ underwriting processes. EXL delivers industry-leading professionalism, quality and turn-around time, and our innovative solutions help our clients keep ahead of the competition. Castle High Value is the premier provider of high value residential insurance surveys to the insurance industry
nationwide. https://www.exlservice.com/industries/insurance/castle-high-value

The Position

Castle High Value is looking for self-directed independent contractors to work from their own home or office and service both virtual and physical survey/inspection assignments in the Paducah, KY area and other locations within a radius of 100 miles of Paducah.

Experience in real estate, insurance, inspection, construction or appraising experience is a plus, but all interested candidates are encouraged to submit their qualifications. A 15 hour online training course can get you certified. Fees are negotiable depending on experience and the unique aspects of selected jobs.

You will be responsible to schedule and conduct both site-based and virtual High Value Home property surveys that will be used for homeowners’ insurance purposes. This involves coordinating and completing surveys within your own schedule, managing work assignments you accept, and solid computer skills as all reports are web-based and completed online.

If you are looking for flexibility, the ability to work independently, and have an interest in real-estate, construction, or interior design, then this might be the right opportunity for you.

More on the Job Responsibilities

Primary Requirements:

  • Professionally interact over the phone, via email, and in-person
    with homeowners and insurance agents
  • Conduct on-site and/or virtual property surveys on high value
    homes as per customer specific guidelines and procedures
  • Identify and document the construction materials/characteristics
    and unique features of the home
  • Obtain measurements of the home and other structures on the
    property
  • Generate an estimated replacement value of the home, and identify
    major hazards
  • Communicate the information gathered during on-site inspection in
    the provided web-based client requested forms accessed through the Castle
    website

Tools or Items You Must Provide:

  • Digital camera
  • Windows based computer (not a Mac)
  • High speed internet access
  • Reliable vehicle
  • Measuring device such as: laser, 100 ft. tape, or measuring wheel
  • Auto and General Liability Insurance

What ExlService Holdings employees say

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