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Date: 08/15/2026

Claims Adjusters, Examiners, and Investigators

Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures. Confer with legal counsel on claims requiring litigation. May also settle insurance claims.

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    Work Activities

    Work Activities

    • Examine titles to property to determine validity and act as company agent in transactions with property owners.
    • Obtain credit information from banks and other credit services.
    • Pay and process claims within designated authority level.
    • Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.
    • Resolve complex, severe exposure claims, using high service oriented file handling.
    • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
    • Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
    • Contact or interview claimants, doctors, medical specialists, or employers to get additional information.
    • Confer with legal counsel on claims requiring litigation.
    • Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.
    • Prepare reports to be submitted to company's data processing department.
    • Examine claims forms and other records to determine insurance coverage.
    • Analyze information gathered by investigation and report findings and recommendations.
    • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
    • Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
    • Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
    • Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.
    • Investigate and assess damage to property and create or review property damage estimates.
    • Present cases and participate in their discussion at claim committee meetings.
    • Report overpayments, underpayments, and other irregularities.
    • Supervise claims adjusters to ensure that adjusters have followed proper methods.
    • Communicate with reinsurance brokers to obtain information necessary for processing claims.
    • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
    • Attend mediations or trials.
    • Refer questionable claims to investigator or claims adjuster for investigation or settlement.
    • Conduct detailed bill reviews to implement sound litigation management and expense control.
    • Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.
    • Resolve complex, severe exposure claims, using high service oriented file handling.
    • Collect evidence to support contested claims in court.
    • Analyze information gathered by investigation and report findings and recommendations.
    • Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.

    Skills

    • Active Learning

      Figuring out how to use new ideas or things.

    • Negotiation

      Bringing people together to solve differences.

    • Social Perceptiveness

      Understanding people's reactions.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    • Reading Comprehension

      Reading work-related information.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Operation and Control

      Using equipment or systems.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Service Orientation

      Looking for ways to help people.

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Technology Design

      Making equipment and technology useful for customers.

    • Programming

      Writing computer programs.

    • Quality Control Analysis

      Testing how well a product or service works.

    • Writing

      Writing things for co-workers or customers.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Equipment Selection

      Deciding what kind of tools and equipment are needed to do a job.

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Science

      Using scientific rules and strategies to solve problems.

    • Coordination

      Changing what is done based on other people's actions.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    • Active Listening

      Listening to others, not interrupting, and asking good questions.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    • Time Management

      Managing your time and the time of other people.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Instructing

      Teaching people how to do something.

    • Repairing

      Repairing machines or systems using the right tools.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Mathematics

      Using math to solve problems.

    • Speaking

      Talking to others.

    • Management of Material Resources

      Managing equipment and materials.

    • Critical Thinking

      Thinking about the pros and cons of different ways to solve a problem.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    4

    Abilities

    • Written Comprehension

      Reading and understanding what is written.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Originality

      Creating new and original ideas.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Spatial Orientation

      Knowing where things are around you.

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Oral Comprehension

      Listening and understanding what people say.

    • Written Expression

      Communicating by writing.

    • Time Sharing

      Doing two or more things at the same time.

    • Rate Control

      Changing when and how fast you move based on how something else is moving.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Problem Sensitivity

      Noticing when problems happen.

    • Deductive Reasoning

      Using rules to solve problems.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Wrist-Finger Speed

      Making fast, simple, repeated movements of your fingers, hands, and wrists.

    • Near Vision

      Seeing details up close.

    • Far Vision

      Seeing details that are far away.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Speech Recognition

      Recognizing spoken words.

    • Speech Clarity

      Speaking clearly.

    • Trunk Strength

      Using your lower back and stomach.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Oral Expression

      Communicating by speaking.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Category Flexibility

      Grouping things in different ways.

    • Selective Attention

      Paying attention to something without being distracted.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Information Ordering

      Ordering or arranging things.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Night Vision

      Seeing at night or under low light.

    Knowledge

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • Public Safety and Security

      Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

    • Design

      Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.

    • Law and Government

      Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

    • Building and Construction

      Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

    • Foreign Language

      Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • Administrative

      Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.

    • Administration and Management

      Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • Sociology and Anthropology

      Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

    • Philosophy and Theology

      Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    • Communications and Media

      Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

    • Physics

      Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

    • Geography

      Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

    • Medicine and Dentistry

      Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

    • Therapy and Counseling

      Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

    • Sales and Marketing

      Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

    • Engineering and Technology

      Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

    • Education and Training

      Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • Chemistry

      Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • Psychology

      Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • Mechanical

      Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • Personnel and Human Resources

      Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

    Career Video

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    Pay

    • Ohio Annual Salary 67990/yr
    • Typical Salary
    • Ohio Hourly Wage 32.69/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 6,560
    • Yearly Projected Openings 420

    Typical Education

    Personality

    Conventional: People interested in this work like activities that include data, detail, and regular routines.They do well at jobs that need:
    • Cautiousness
    • Integrity
    • Attention to Detail
    • Dependability
    • Perseverance
    • Self-Control

    Tools

    Technology

    Tags

    • InDemand occupations are considered a priority by the state of Ohio.
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