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What makes a good claims adjuster?

Sep 10

It is often a question I get asked about what it takes to be a successful independent claims adjuster. Because the job requires many different skills and "habits", there is no quick answer. These habits can be learned, just like any other habit. (Unless you have a lack of ethics!

You can and should strive to improve in any of these areas. We can help you develop some habits. Some will require that you learn more on your own. To be successful in the insurance industry, you must take ownership of these:

HABIT 1: COMMUNICATION

Excellent people skills are essential for insurance claims adjusters. Adjusters will work with people from all walks of life, from grateful and happy to suspicious and angry. You might work in unpredictable situations if you're on a disaster deployment. Spotty service, dead power lines, unsafe inspections, and unreachable claimants can pose communication and service problems.

Claims adjusters, as representatives of insurance companies, are often the only contact between the insured and the insurer. Your goal should be to provide customer service that is cordial, professional, patient, and respectful, no matter what, especially when things get complicated.

HABIT #2 - TIME MANAGEMENT

Stress and wasted time are two enemies of insurance adjusters, especially those who handle catastrophic claims. Time management is key to minimizing stress and maximizing profits. Insurance adjusters often receive stacks of hundreds of claims. In a crisis, every claimant needs the adjuster to be there immediately. To survive the "storm" of insurance claims, it is essential to manage expectations, multitask, and use time wisely.

Our Adjuster Success Course is designed to help new and old adjusters develop a system for managing their claims. It will help you keep organized and teach you how to use your time effectively. Learn more about the Adjuster Success Method.

HABIT #3: COMPUTER PROFICIENCY

It is no longer necessary to hand-write estimates. Nearly every significant insurer now requires that claims estimates must be sent electronically. A computer-literate adjuster will be able to close claims quickly. Before you start working on insurance claims, enrolling in a course that teaches basic computer skills is a good idea.

HABIT #4: INTEGRITY

A particular independent adjuster has significant freedom, power, and responsibility. There are temptations to abuse the position (e.g. taking bribes, contractor kickbacks, etc.) Many ethical violations can occur, and an insurance adjuster must be alert to avoid them.

While crime may pay in certain professions, it is impossible to make a living in insurance adjusting. Unprofessional adjusters - which is the best case scenario - are likely to be fired. Worst case scenario? Possible criminal prosecution and loss of license

Integrity is a virtue.

HABIT #5 - INSURANCE POLICY KNOWLEDGE

Proper insurance claims adjustment requires the ability to read and interpret an insurance policy. The real skill lies in applying the policies to specific aspects of an insurance claim. The art and science of adjusting are not the same things. While formulas and rules may help you see the clear lines, gray areas can be challenging to navigate. An adjuster must use intuition, experience, and conscience when dealing with gray areas.

This is not something you can do overnight. These courses can help. Your experience will be a great help. Asking questions to your superiors and industry leaders, as well as colleagues, will be a great way to learn. If you want to become a great adjuster, it's a long journey that you have to accept.

HABIT #6: CONSTRUCTION/ENGINEERING KNOWLEDGE

It is essential to be familiar with the properties you are looking at. An adjuster who doesn't know the details behind a wall in a home won't be able to give an estimate if they don't. Insurance adjusters aim to provide compensation to the homeowner, car owner or business owner in a way that allows them to restore their property to pre-damaged condition. It is essential to understand how these properties are built, from foundation to roof. This will allow you to settle your claim accurately and fairly.

Don't be discouraged if you are unable to build your house. This is similar to insurance policy knowledge. Learn the basics by taking courses, getting certifications, or reading books. You will get the rest with experience and time.

HABIT #7 - DETERMINATION and WILL TO SUCCEED

Sometimes, claims adjusters are faced with impossible situations. Insurance adjusters can face various difficulties, including language barriers, unresponsive claimants and impassable roads.

This is especially true in the face of catastrophic events. Some people take their footballs home, and others muddle through an event that won't return next year. Others rise to the occasion, facing challenges with determination and the will to win. The highly-effective public adjuster az is proactive and can face any challenge head-on. They also can persevere.