Adjuster

Lamwork; United States; On-site; USD 69,111 - 84,469; Full time

Job summary

Lamwork is seeking an Adjuster to investigate claims, gather evidence, and negotiate settlements. The role involves analyzing policy language and coordinating with independent adjusters for complex claims.

The ideal candidate will possess strong negotiation skills and demonstrate technical expertise in claims management, particularly with tools such as Xactimate and Symbility. A State Adjuster License and relevant certifications are required.

Qualifications

• Technical precision and sound interpersonal judgment are critical for success.
• Hard skills: claims investigation, negotiation, and legal compliance are required.
• Soft skills: attention to detail and decision-making abilities are essential.

Responsibilities

• Investigate losses through witness statements and evidence gathering.
• Evaluate coverage applicability and negotiate settlements.
• Coordinate with external adjusters and support recovery efforts.

Skills

Claims Investigation

Insurance Policy Interpretation

Damage Estimation (Xactimate/Symbility)

Negotiation

Attention to Detail

Communication

Education

State Adjuster License

Associate in Claims (AIC)

Chartered Property Casualty Underwriter (CPCU)

Tools

Xactimate

Symbility

Guidewire

Job description

Adjuster career guide covering claims investigation, coverage analysis, and damage evaluation, with salary data, required skills, and career path.

What Is an Adjuster?

An Adjuster exists to close the gap between a reported loss and a fair, policy‑compliant resolution, investigating what happened, determining what coverage applies, and settling the claim on behalf of an insurance carrier. Day to day, this means gathering evidence, interviewing involved parties, scoping damages, analyzing liability, and negotiating outcomes with insureds, claimants, attorneys, and repair facilities.

• Investigate losses by gathering witness statements, photographs, police reports, and recorded interviews to establish a clear factual record of each claim.
• Evaluate policy language, coverage applicability, and liability exposure against state statutes and delegated authority limits to reach documented determinations.
• Analyze reserve levels throughout the claim lifecycle, adjusting financial estimates with documented rationale to reflect current and projected exposure accurately.
• Negotiate settlements with insureds, claimants, attorneys, and repair facilities within approved authority, achieving timely and equitable resolutions.
• Coordinate independent adjusters, structural engineers, appraisers, and vendor networks to fully assess complex or large‑loss files and support recovery efforts.

Adjuster Required Skills

Lamwork's review of Adjuster postings shows that both technical precision and sound interpersonal judgment consistently distinguish top candidates from the field.

• Hard Skills: Claims Investigation, Insurance Policy Interpretation, Damage Estimation (Xactimate/Symbility), Reserve Methodology, Legal and Regulatory Compliance
• Soft Skills: Negotiation, Attention to Detail, Decision‑Making, Communication, Time Management

Typical Career Progression for an Adjuster

• Claims Examiner / Claims Supervisor

Most professionals reach the senior level within five to eight years, depending on the volume and complexity of files handled. Advancement is driven primarily by demonstrated reserve accuracy, multi‑line or multi‑jurisdiction experience, and professional designations that signal technical depth.

Adjuster Certifications

• Associate in Claims (AIC) – core credential for P&C adjusters; highly valued across carriers
• Chartered Property Casualty Underwriter (CPCU) – marks advanced technical and industry authority
• Associate in Risk Management (ARM) – broadens risk context; valued in commercial lines roles
• State Adjuster License – legally required in most jurisdictions; multi‑state licensure expands opportunity

Adjuster Salary in the United States

The U.S. Bureau of Labor Statistics does not track Adjuster as a separate occupation. Based on the closest related role, Claims Adjusters, Appraisers, Examiners, and Investigators, the median annual salary is $76,790 per year, according to the most recent available data.

Pay for Adjusters moves most meaningfully with the line of business handled – litigated bodily injury and large commercial‑loss files command notably higher compensation than standard property work, along with multi‑jurisdiction licensure, professional designations such as AIC or CPCU, and seniority within a carrier's examiner ladder.

Quantify settlement outcomes by citing average days‑to‑closure, reserve accuracy rates, or subrogation recovery percentages – concrete metrics that hiring managers use to gauge productivity and file quality.

Highlight proficiency with industry‑standard platforms by naming estimating tools such as Xactimate or Symbility and claims management systems such as Guidewire or Majesco, since carriers screen specifically for these.

Include experience types that signal range: multi‑line handling, catastrophe deployment, litigated files, or multi‑jurisdiction licensure, each demonstrate adaptability that general claims experience alone does not convey.

What Is the Difference Between an Adjuster and a Claims Examiner?

An Adjuster is the field‑facing role, the person who investigates losses, contacts insureds and claimants, scopes damage, and negotiates settlements within delegated authority. A Claims Examiner typically works at a higher authority threshold, reviewing files for coverage disputes, approving settlements above standard limits, and serving as a technical resource for complex or litigated matters. The distinction is primarily one of authority level and file complexity rather than a difference in subject matter, and many carriers promote directly from Adjuster to Examiner as a natural ladder step.