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Insurance Appraiser Jobs in Tennessee (NOW HIRING)

Sentry Insurance

Auto Claims Appraiser

Nashville, TN · On-site

Maintain detailed records of appraisals, photographs, and communications related to each claim ... Review and interpret insurance policies to determine coverage and liability. Negotiate settlements ...

Carstar

Estimator

Dyersburg, TN · On-site

In addition, the appraiser must handle communications with insurance adjusters and customers throughout the repair process effectively and maintain high levels of customer satisfaction. DUTIES ...

The Whiteside Agency

Inside Auto Appraiser

Knoxville, TN · On-site

$63K - $105K/yr

Prepares and documents accurate vehicle / equipment damage appraisals, Actual Cash and Replacement ... Basic Insurance Contract Knowledge. * Basic Principles of Investigation. * Basic Value ...

Sentryinsurance

Auto Claims Appraiser

Nashville, TN · Hybrid

Maintain detailed records of appraisals, photographs, and communications related to each claim ... Review and interpret insurance policies to determine coverage and liability. Negotiate settlements ...

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All JobsInsurance Appraiser JobsInsurance Appraiser Jobs in Tennessee

Insurance Appraiser information

See Tennessee salary details

$35.9K

$45.4K

$53.1K

How much do insurance appraiser jobs pay per year?

As of Sep 15, 2026, the average yearly pay for insurance appraiser in Tennessee is $45,380.00, according to ZipRecruiter salary data. Most workers in this role earn between $40,800.00 and $49,900.00 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

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

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

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

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

Insurance Appraiser jobs near you
Infographic showing various Insurance Appraiser job openings in Tennessee as of September 2026, with employment types broken down into 67% Full Time, and 33% Contract. Highlights an 83% In-person, and 17% Hybrid job distribution, with an average salary of $45,380 per year, or $21.8 per hour.

Auto & Heavy Equipment Appraiser - 1099 - Franklin, TN

Franklin, TN • On-site

CCMS & Associates
Insurance Services • 11 - 50 employees
Learn more about CCMS & Associatesexternal

Contractor

Re-posted yesterday

Job description

CCMS & Associates is seeking experienced Auto and Heavy Equipment Appraisers to join our independent adjuster and appraiser roster. As a 1099 independent contractor, you will play a critical role in assessing damages, estimating repair costs, and delivering high-quality appraisals for auto and heavy equipment claims.
Job Responsibilities:

  • Conduct field inspections and appraisals of automobiles, commercial trucks, construction equipment, and specialty vehicles to assess damage.
  • Prepare accurate, detailed estimates using industry-standard software (CCC One, Mitchell, Audatex, or comparable systems).
  • Evaluate repair costs, total loss assessments, and salvage values in compliance with carrier guidelines.
  • Communicate effectively with adjusters, insurers, and repair facilities to ensure seamless claims processing.
  • Maintain professional, customer-focused interactions with policyholders and industry partners.
  • Maintain an independent contractor status while meeting CCMS & Associates' quality standards.
  • Ensure timely submission of comprehensive reports, and maintain compliance with client and industry standards.
Qualifications:
  • Minimum of 3 years of experience in auto and/or heavy equipment appraisals.
  • Proficient in estimating software such as CCC One, Mitchell, Audatex, or equivalent.
  • Strong understanding of insurance policies, claim processes, and industry regulations.
  • Valid adjuster or appraiser license in applicable states.
  • Ability to work independently in the field with minimal supervision.
  • Reliable transportation, a valid driver’s license, and the ability to travel to inspection locations.
  • Strong written and verbal communication skills.
  • Tech-savvy with the ability to use digital tools for claim documentation and reporting.
Preferred Qualifications:
  • I-CAR, ASE, or other relevant industry certifications.
  • Experience appraising commercial trucks, construction, agricultural, and specialty equipment.
  • Background in mechanical failure assessments or diminished value claims.
  • Bilingual capabilities (Spanish is a plus).
Why Join CCMS & Associates?
  • Access to a diverse portfolio of claims from leading insurance carriers.
  • Competitive fee schedules and flexible workload.
  • Support from a dedicated claims management team.
  • Opportunity to work with an established leader in multi-line claims and appraisals.

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