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Property Insurance Adjuster Jobs (NOW HIRING)

USAA

Property Adjuster Specialist - Field

Fresno, CA · On-site

Property Adjuster Specialist focus on using technology and desk adjusting for a virtual first ... Investigates claim damages by conducting research from various sources, including the insured ...

USAA

Property Adjuster Specialist - Field

Fresno, CA · On-site

Property Adjuster Specialist focus on using technology and desk adjusting for a virtual first ... Investigates claim damages by conducting research from various sources, including the insured ...

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Property Insurance Adjuster information

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$23.5K

$71.3K

$97.5K

How much do property insurance adjuster jobs pay per year?

As of Aug 22, 2026, the average yearly pay for property insurance adjuster in the United States is $71,265.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $86,500.00 per year, depending on experience, location, and employer.

What does a property insurance adjuster do?

A Property Insurance Adjuster is responsible for investigating insurance claims related to property damage or loss, such as those caused by fire, storms, or theft. They inspect the property, assess the extent of the damage, gather information from policyholders and witnesses, and review relevant documents. Based on their findings, they determine the insurance company's liability and recommend appropriate settlements. Their work ensures that claimants receive fair compensation according to their policy terms.

What are the key skills and qualifications needed to thrive as a property insurance adjuster, and why are they important?

To thrive as a Property Insurance Adjuster, you need a solid understanding of insurance policies, claims processes, and property assessment, often supported by a relevant license or certification. Familiarity with claims management software, estimating tools like Xactimate, and digital documentation systems is typically required. Strong analytical thinking, attention to detail, and effective communication with policyholders and contractors are standout soft skills. These competencies enable accurate claim evaluations, efficient settlements, and positive experiences for clients during stressful situations.

What are some common challenges property insurance adjusters face when handling claims, and how can they effectively manage them?

Property Insurance Adjusters often encounter challenges such as managing a high volume of claims after major disasters, dealing with emotional policyholders, and ensuring accurate assessments of property damage. To effectively manage these challenges, adjusters should develop strong organizational skills, maintain clear and empathetic communication, and stay updated on industry best practices and local regulations. Building good relationships with contractors and leveraging technology for efficient documentation can also streamline the claims process and improve outcomes.

What is the difference between Property Insurance Adjuster vs Claims Examiner?

AspectProperty Insurance AdjusterClaims Examiner
Required CredentialsLicensing, insurance adjuster certificationAdjuster certification often preferred, legal or insurance background
Work EnvironmentFieldwork at damage sites, client interactionsOffice-based, reviewing claims and documentation
Employer & Industry UsageInsurance companies, public adjusting firmsInsurance carriers, third-party claims organizations
Common Search & Comparison IntentUnderstanding roles, job requirements, and differencesComparing claims processing roles within insurance

The main difference between a Property Insurance Adjuster and a Claims Examiner lies in their work environment and responsibilities. Adjusters often work in the field inspecting damage and assessing claims directly, while Claims Examiners typically work in offices reviewing claims documentation. Both roles require insurance knowledge and certifications, but their focus and daily tasks differ significantly.

How to become a property insurance adjuster with no experience?

To become a property insurance adjuster with no experience, you should complete a state-approved training course and obtain the required licensing, which often involves passing an exam. Gaining knowledge of insurance policies, claims processes, and developing strong communication skills can help you start in entry-level adjuster roles or internships to build experience.

Is a property insurance adjuster a hard job?

A property insurance adjuster job can be challenging due to the need to evaluate damage accurately, work under tight deadlines, and handle stressful situations involving policyholders. It requires strong communication skills, attention to detail, and often involves fieldwork in various environments. The job may also require certifications and the ability to interpret insurance policies and adjust claims efficiently.
More about Property Insurance Adjuster jobs

What cities are hiring for Property Insurance Adjuster jobs?

Cities with the most Property Insurance Adjuster job openings:

What states have the most Property Insurance Adjuster jobs?

States with the most job openings for Property Insurance Adjuster jobs include:

What job categories do people searching Property Insurance Adjuster jobs look for?

The top searched job categories for Property Insurance Adjuster jobs are:

Property Insurance Adjuster jobs near you
Infographic showing various Property Insurance Adjuster job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $71,265 per year, or $34.3 per hour.

Property Adjuster Specialist Field

Roman Health Pharmacy LLC

Fort Collins, CO • On-site

$69.92 - $133.62/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 4 days ago

Job description

As a dedicated Field Property Adjuster Specialist, you will:

Key Responsibilities
  • Work within defined guidelines to investigate, evaluate, negotiate, and settle complex property insurance claims.
  • Confirm/analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulations.
  • Use technology and desk adjusting for a virtual-first approach to inspections and claims handling.
  • Be provided a company vehicle for physical inspections within your local territory and may travel outside the area when needed.
  • Manage a caseload of complex claims, requiring knowledge of claims coverage and potential legal liability.
  • Collaborate with vendors, internal partners, and external regulators for claims resolution and compliance.
  • Investigate claim damages using various sources and identify subrogation potential.
  • Identify coverage concerns, review prior loss history, and create Special Investigation Unit (SIU) referrals as needed.
  • Determine and negotiate claims settlements within authority limits; coordinate with management for settlements beyond limits.
  • Maintain accurate and current claim file documentation.
  • Utilize estimating technology and virtual inspection tools for complex claims.
  • Support workload surges and catastrophe response operations, including on-call duties and potential travel.
  • Handle various claims, including high complexity, and independently solve complex problems.
  • Adjust claims involving attorneys and address jurisdictional challenges.
  • Travel as needed for claims resolution, training, and inspections.
  • Identify and manage risks per company policies.
Must Have Qualifications
  • High School Diploma or equivalent.
  • Minimum 2 years experience in property claims adjusting of moderate complexity.
  • Advanced skills in estimating losses with Xactimate or similar platforms.
  • Experience handling high-severity claims (fire, water, vandalism, etc.) in the field.
  • Proficient knowledge of residential construction, claims contracts, case law, and state regulations.
  • Strong negotiation, investigation, communication, and conflict resolution skills.
  • Ability to multitask, prioritize, and solve problems.
  • Willingness to travel 50-75% locally and non-locally and participate in catastrophe duty as needed.
  • Obtain insurance adjuster license within 90 days (up to 3 attempts).
  • Experience working for a standard insurance carrier handling claims from start to finish.
  • May require successful completion of a job-related assessment.
Nice to Have Qualifications
  • Residential property field adjusting experience.
  • Proficiency with estimating and virtual inspection tools like Xactimate, ClaimXperience, XactAnalysis.
  • Insurance designations such as AINS, CPCU, AIC, or SCLA or working towards them.
  • Active Property & Casualty adjuster license.
  • US military experience or military spouse/domestic partner status.
Compensation and Perks

Salary range: $69,920 to $133,620, based on experience and location.

  • Comprehensive benefits including medical, dental, vision, 401(k), pension, and life insurance.
  • Parental benefits, adoption assistance, paid time off with holidays, 16 paid volunteer hours, and wellness programs.
  • Career path planning and continuing education support.
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