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Insurance Claim Representative Jobs in California

Travelers

Auto Liability Claim Rep

Diamond Bar, CA

$67K - $110K/yr

Strong understanding of insurance principles, terminology with the ability to understand and ... Claim Representative training program is required. What Is in It for You? * Health Insurance

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Insurance Claim Representative information

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$6

$24

$39

How much do insurance claim representative jobs pay per hour?

As of Jul 26, 2026, the average hourly pay for insurance claim representative in California is $24.24, according to ZipRecruiter salary data. Most workers in this role earn between $17.55 and $28.46 per hour, depending on experience, location, and employer.

How to get a job as a claims adjuster with no experience?

To become a claims adjuster with no experience, focus on gaining relevant skills such as customer service, attention to detail, and knowledge of insurance policies. Completing a pre-licensing course and obtaining the required state license are essential steps, and entry-level positions or internships can provide valuable on-the-job training.

Is claim adjusting a dying field?

Claim adjusting remains a vital part of the insurance industry, as insurers need professionals to evaluate and settle claims. While automation and AI are increasingly used for routine tasks, skilled adjusters are still essential for complex cases and customer interactions, ensuring the field continues to evolve rather than decline.

What does an Insurance Claim Representative do?

An Insurance Claim Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of the claim, review documentation, and determine the validity of the claim in accordance with policy terms. Their duties often include interviewing claimants and witnesses, inspecting property damage, and negotiating settlements. The goal is to ensure fair outcomes for both the insurance company and the customer, while adhering to legal and regulatory requirements.

What kind of claims adjuster makes the most money?

In the insurance industry, specialized claims adjusters such as catastrophe or large-loss adjusters tend to earn higher salaries due to the complexity and scale of claims they handle. These roles often require advanced knowledge, certifications, and the ability to manage high-value or complex cases, which contribute to higher compensation compared to general claims adjusters.

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

To thrive as an Insurance Claim Representative, you need a strong understanding of insurance policies, claims processing, and investigation, usually supported by a relevant degree or experience in the insurance industry. Familiarity with claims management systems, documentation software, and sometimes industry certifications like AINS or CPCU is important. Excellent communication, negotiation, and problem-solving skills help in effectively resolving claims and managing customer expectations. These abilities are essential to ensure accurate claim assessments, maintain customer trust, and support the financial health of the insurance provider.

What is an insurance claims representative?

An insurance claims representative is a professional who investigates and evaluates insurance claims to determine coverage and settlement amounts. They review policy details, gather evidence, and communicate with claimants, often using claims management software, to ensure accurate and fair claim processing.

How do Insurance Claim Representatives typically collaborate with other departments during the claims process?

Insurance Claim Representatives frequently work closely with underwriting, legal, and field adjuster teams to ensure thorough evaluation and resolution of claims. They often consult with underwriters to clarify policy coverage, coordinate with adjusters for on-site assessments, and partner with legal teams on complex or disputed claims. This cross-functional collaboration ensures each claim is handled efficiently and accurately, providing both customers and the company with fair outcomes. Effective communication and teamwork are essential skills for success in this role.
What are popular job titles related to Insurance Claim Representative jobs in California? For Insurance Claim Representative jobs in California, the most frequently searched job titles are:
What job categories do people searching Insurance Claim Representative jobs in California look for? The top searched job categories for Insurance Claim Representative jobs in California are:
What cities in California are hiring for Insurance Claim Representative jobs? Cities in California with the most Insurance Claim Representative job openings:
Insurance Claim Representative jobs near you
Infographic showing various Insurance Claim Representative job openings in California as of July 2026, with employment types broken down into 78% Full Time, 20% Part Time, and 2% Contract. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $50,422 per year, or $24.2 per hour.
Claim Representative III - Property

Claim Representative III - Property

Capital Insurance Group

San Jose, CA • On-site

$77K - $129K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

Why CIG?
At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!
CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.
Why choose CIG's Claim's Team?
CIG claims department is here to support our insureds throughout their claims process. We work directly with our agency partners and policyholders to accomplish successful claim resolutions. Join the claims operation and you can be part of a team who provides excellent service, build relationships, and achieves successful outcomes for our clients.
Learn what it means to be a Claim Representative III - Property at CIG HERE!
Benefits
  • Accrue twenty-one days of Paid Time Off during your first year
  • Up to eighty-seven percent of benefits are covered by CIG for you and your family members
    • Medical, Dental, Vision plans, Telehealth
  • One hundred percent covered plans
    • Basic Life & AD&D
    • Employee Assistance
    • Leave Management
    • Long Term Disability
    • Short Term Disability (Outside of CA)
    • Employee Benefit Advocacy Hot Line
  • Family Caregiver Support (Homethrive)
  • Child Care Resources (Tootris)
  • Business Travel Accident Protection
  • Voluntary benefit offerings
    • Short-term Disability (CA only)
    • Voluntary Life AD&D self, spouse, and child plans
    • Flexible Spending (FSA)
    • Health Savings (HSA)
    • Hospital Indemnity
    • Accidental Injury
    • Pet Insurance
    • Commuter Benefit
  • Critical Illness
  • ARAG Legal Services
  • Norton LifeLock
  • Nine paid holidays, plus two floating holidays
  • Above and Beyond Reward Recognition Program
    • Kudos & Shout Out Points Program
    • Quarterly Above and Beyond Bonus Program
    • Annual Above and Beyond Bonus Program
  • Competitive compensation
    • Base compensation
    • Salary Management Spot Bonuses
    • Annual Incentive/Profit sharing program, potential payout annually based on company results.
  • Discount partnerships
    • Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more
  • Insurance, educational reimbursement, and bonus programs
  • Employee Referral Bonus Program
  • Home and Auto Insurance Discount Program.
  • Paid Volunteer Time - Through company-planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
  • Retirement savings benefit (401k and Roth + match)
  • Health & Financial Wellness
    • Wellness platform, tools, and events - Vitality
    • Health Savings Account - match
    • Financial Wellness Resources

Work Environment & Format:
This is a field-based, remote position. The selected candidate must be based in the San Jose, CA Bay Area to effectively support the assigned territory.
Job Overview
Provides the highest company-wide level of technical claim-handling, including investigation, evaluation, and negotiations pertaining to Property, Collapse, Earth Movement and Total loss of building. Supports the team as technical supervisor in manager's absence. Assists with Regional audits, mentors less experienced Claim Reps and performs other duties as required or assigned by the Claim Manager or Director.
Requirements
  • College degree or equivalent experience and seven (7) years of claim experience, including three years' experience in handling complex claim files.
  • Knowledge of Current claims laws, specifically civil and tort law and current trends in Property insurance case law and issues
  • Good working knowledge of mathematics and common accounting practices which relate to gross and net income or living-expense calculations.
  • Demonstrate strong negotiation skills and communicate complex legal concepts and policy-contract interpretation in writing and orally
  • Plan, organize, and prioritize work under the pressure of critical deadlines
  • Perform inspections of sites and properties, including roofs, basements, and attics, which may require the use of ladders or stairs to access or the ability to kneel, crawl, and bend
  • Demonstrate strong negotiation skills and communicate complex legal concepts and policy-contract interpretation in writing and orally
  • Maintain a valid California Driver License and operate a vehicle
  • Candidates must be authorized to work in the United States without the need for current or future visa sponsorship.

Career Path potential:
  • Claims Manager - Property

Salary Range: $77,406.00 - $129,010.00
The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.

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