California Occupational Guides

Summary Guide  (Printer Friendly)
Detailed Guide   (Printer Friendly)
   Detailed Report-Jump to: 
         Top of Page
         What Would I Do?
         Wages and Benefits
         Job Outlook
         How Do I Qualify?
         What Employers Say...
Job Search Tips

I want to: 
   Search by Topic
   Search by Keyword


Change Your Area:

Select your county from the list:

Change Occupation:

1. Enter a keyword and click the "GO!" button:

2. Select an occupation from the results listed
below and click the "Get Information" button.

Detailed Guide for

Claims Adjusters, Examiners, and Investigators in San Diego County

May also be called: Appraisers; Claims Agents; Claims Analysts; Claims Representatives; Claims Specialists; Customer Care Specialists; Field Adjusters; Health Insurance Adjusters; Insurance Appraisers; Insurance Auditors; Litigation Examiners; Workers' Compensation Examiners

What Would I Do?

Individuals and businesses purchase insurance policies for protection against financial loss from injury, illness, death, property damage, or liability for harm or loss to other people. Claims Adjusters, Examiners, and Investigators act as a mediator between the claimant and the company. They generally process claims, interpret or explain policies, and resolve billing disputes. They also calculate benefit payments and approve payment of claims within a certain monetary limit. Claims Adjusters, Examiners, and Investigators correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. They also confer with legal counsel on claims requiring litigation.

When a policyholder submits a claim for a loss, Adjusters and Examiners determine whether the client’s policy covers the loss and the amount of the loss covered. Then they evaluate the facts and write up the settlements. Although many Adjusters, Examiners, and Investigators have overlapping functions and may even perform the same tasks, the insurance industry generally assigns specific roles to each of these claims workers.

Adjusters specialize by type of insurance: homeowner, automotive damage, bodily injury, business losses, or workers’ compensation. Most work for insurance companies or independent adjusting firms, processing loss claims and contacting clients either in person, by telephone, or mail to obtain details about an accident or property loss. Some work outdoors in the field where they inspect and appraise vehicle or property damage, interview witnesses, calculate repair costs, and perform routine investigations. Public Adjusters do not work for insurance companies; they represent and work for the best interests of the insured or claimant. They help their clients prepare and present claims to insurance companies and negotiate for a fair settlement.

Adjusters often use laptop computers to download forms and files from insurance company databases. They also input information about the damage directly into their computers, where software programs produce estimates of the damage on standard forms. Adjusters use cell phones and personal digital assistants (PDAs). Digital cameras are also used to take photographs of property damage, which can be e-mailed directly to the insurance company via the Internet.

Most Examiners work for life or health insurance companies and usually concentrate on hospital, dental, or prescription drug claims. They review health-related claims to determine if the charges are reasonable and in line with the medical diagnosis. Then, Examiners will make decisions to authorize payments or refer the claim to an Investigator if there is a suspicion of fraud. Examiners within property and casualty insurance firms may have duties similar to those of an Adjuster, but often their primary job is to review the claims submitted in order to ensure that proper guidelines have been followed. They may assist Adjusters with complicated claims or when a disaster strikes.

When Insurance Adjusters or Examiners suspect insurance fraud, they refer the claim to an Investigator. Investigators conduct a thorough investigation to make a determination whether the claim is valid or should be referred to law enforcement authorities. They usually start with a database search to obtain background information on claimants and witnesses. They also check the history of prior insurance claims filed by the claimant. Investigators may record interviews with witnesses. They may also conduct surveillance activities such as observing workers’ compensation claimants for activities inconsistent with their claim. Investigators and Examiners may use analytical or scientific software, as well as document management software, when working with insurance claims.

Important Tasks and Related Skills

Each task below is matched to a sample skill required to carry out the task.

View the skill definitions
TaskSkill Used in this Task
Interview or correspond with claimant and witnesses, consult police and hospital records, and inspect property damage to determine extent of liability.Customer and Personal Service
Investigate and assess damage to property.Critical Thinking
Examine claims forms and other records to determine insurance coverage.Complex Problem Solving
Analyze information gathered by investigation, and report findings and recommendations.Inductive Reasoning
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.Judgment and Decision Making
Pay and process claims within designated authority level.Information Ordering
Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.Law and Government
Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.Clerical
Source: U.S. Department of Labor Occupational Information Network (O*NET)

Working Conditions

Working environments of Claims Adjusters, Examiners, and Investigators vary greatly. Claims Adjusters may have irregular schedules and work more than 40 hours per week. They often arrange their work schedules to accommodate evening and weekend appointments and can be called into work in the event of an emergency. Many Adjusters may work in offices for only a few hours per week, usually to gather their assignments for the day. Others may conduct business from their home or automobile. They may spend the majority of their day inspecting damaged buildings and automobiles. They must use caution when working in damaged buildings with hazards, such as weak structures and collapsed roofs and floors. Traveling to claim sites may be necessary to evaluate the scene of an accident or natural disaster, such as a flood.

Examiners working for health or life insurance companies work a standard 5-day, 40-hour week in modern office buildings equipped with the latest office machines and computers. In contrast, Investigators often work irregular hours because of the need to conduct surveillance and contact people who are not available during normal working hours. Early morning, evening, and weekend work is common. Investigators spend some of their time in the office making telephone calls and conducting computer database searches. They spend much of their time outside the office interviewing clients and witnesses. The job can be stressful and hazardous at times because of potential conflicts with clients.

There has been little or no unionization of Claims Adjusters, Examiners, and Investigators. However, they may belong to organizations such as the Insurance Information Institute or the National Association of Health Underwriters.

Will This Job Fit Me?

The job of Claims Adjuster, Examiner, and Investigator will appeal to those who enjoy activities that involve starting up and carrying out projects, especially business ventures. Individuals considering this occupation should also like working with people and performing duties that are organized, clearly defined, and require accuracy and attention to detail. This occupation satisfies those with both enterprising and conventional interests. Enterprising occupations frequently involve persuading and leading people, making decisions, and taking risks for profit. People with enterprising interests generally prefer action rather than thought. Conventional occupations often involve working with data and details more than with ideas and following set procedures and routines where the lines of authority are clear.

What Wages and Benefits Can I Expect?


The median wage in 2017 for Claims Adjusters, Examiners, and Investigators in California was $69,052 annually, or $33.20 hourly. The median wage for Claims Adjusters, Examiners, and Investigators in San Diego County was $66,277 annually, or $31.87 hourly. The median is the point at which half of the workers earn more and half earn less.

Change to Hourly Wages
Annual Wages for 2017Low
(25th percentile)
(50th percentile)
(75th percentile)
San Diego County$51,317$66,277$81,685
Source: EDD/LMID Occupational Employment Statistics Survey, 2017 Wages do not reflect self-employment.
View Wages for All Areas


Claims Adjusters, Examiners, and Investigators generally receive sick leave, vacation, health insurance, group life, and pension plans. In addition, Adjusters who work in the field usually receive an expense account or the use of a company car as well as mileage reimbursement. Self-employed Adjusters, Examiners, and Investigators are responsible for purchasing their own insurance and retirement plans.

What Do Local Employers Say About Benefits?  Of the 18 employers in San Diego County, almost all provide medical insurance and vacation and dental insurance, and most provide sick leave, life insurance, vision insurance, and retirement plan benefits to Claims Adjusters, Examiners, and Investigators who work full-time.

Percent of Employers Who Provide
Specific Benefits by Time Base
Benefit TypeFull-TimePart-Time
Medical Insurance94%11%
Dental Insurance83%11%
Sick Leave78%6%
Life Insurance72%11%
Vision Insurance72%11%
Retirement Plan67%6%
Disability Insurance50%11%
Paid Time Off Bank22%6%
No benefits0%11%
Source: EDD/LMID Local Occupational Information Survey.

Of the 18 employers surveyed who responded in San Diego County, who provides medical benefits, almost all reported that they pay half or more of the cost of medical insurance for full-time, and many reported that they pay half or more of the cost of medical insurance for part-time Claims Adjusters, Examiners, and Investigators.

Percent of Employers Who Paid Medical
Insurance by Portion Paid by Time Base
Portion Paid by Employer:Full-TimePart-Time
Half or more65%50%
Less than Half18%0%
Source: EDD/LMID Local Occupational Information Survey.

What is the Job Outlook?

Keen competition for Claims Adjuster, Examiner, and Investigator jobs is expected, especially in smaller, privately owned companies. Employment opportunities will continue to exist as these jobs are not easily automated. Increasingly, insurance companies provide business services through telephone call centers that offer extended business hours. Customers initially speak to customer service representatives who gather initial claim loss information and pass it along to an Adjuster or Examiner for further processing. Claim intake through call centers will allow Adjusters more time to examine claims.

Projections of Employment

In California, the number of Claims Adjusters, Examiners, and Investigators is expected to grow slower than average growth rate for all occupations. Jobs for Claims Adjusters, Examiners, and Investigators are expected to increase by 5.2 percent, or 1,500 jobs between 2014 and 2024.

In San Diego County, the number of Claims Adjusters, Examiners, and Investigators is expected to grow slower than average growth rate for all occupations. Jobs for Claims Adjusters, Examiners, and Investigators are expected to increase by 10.8 percent, or 330 jobs between 2014 and 2024.

Estimated Employment and Projected Growth
Claims Adjusters, Examiners, and Investigators
Geographic Area
(Estimated Year-Projected Year)
Additional Openings
Due to Net
San Diego County
Source: EDD/LMID Projections of Employment by Occupation
View Projected Growth for All Areas

Annual Job Openings

In California, an average of 150 new job openings per year is expected for Claims Adjusters, Examiners, and Investigators, plus an additional 720 job openings due to net replacement needs, resulting in a total of 870 job openings.

In San Diego County, an average of 33 new job openings per year is expected for Claims Adjusters, Examiners, and Investigators, plus an additional 76 job openings due to net replacement needs, resulting in a total of 109 job openings.

Estimated Average Annual Job Openings
Claims Adjusters, Examiners, and Investigators
Geographic Area
(Estimated Year-
Projected Year)
Jobs From GrowthJobs Due to
Net Replacements
Total Annual
Job Openings
San Diego County
Source: EDD/LMID Projections of Employment by Occupation
View Data for All Areas

How Do I Qualify?

Education, Training, and Other Requirements

A high school diploma is typically the minimum requirement needed to obtain employment as a Claims Adjuster, Examiner, or Investigator. However, most employers prefer to hire college graduates or applicants who have some postsecondary or long-term on-the-job training. An individual who has a business or an accounting background could specialize in claims of financial loss due to faulty equipment or damage to merchandise. Training in architecture or engineering is helpful in adjusting industrial claims, such as those involving damage from fires or other accidents. A legal background can be beneficial to Adjusters handling workers’ compensation and product liability cases. A medical background is useful for those Examiners working on medical and life insurance claims.

Adjusters working for insurance companies must be licensed and have two years of certified experience in the adjusting field to meet pre-licensing requirements. Public Adjusters must complete a Public Insurance Adjuster Authorization Application. To apply for a license, applicants must:

  • Complete an Individual Insurance Adjuster licensing application for an Insurance Adjuster (nonpublic), Public Insurance Adjuster, or an Interim Public Insurance Adjuster
  • Take and successfully pass a licensing examination
  • File a bond
  • Obtain a fingerprint clearance


Adjusters and Examiners are usually required to have at least one year of claims or managed care experience. Since they often work closely with claimants, witnesses, and other insurance professionals, they must also be able to communicate effectively with others. Additional knowledge in business administration, business law, finance, economics, accounting, mathematics, and computer technology may be helpful.

Many employers prefer to hire Investigators with prior experience as law enforcement officers or private Investigators. Persistence, assertiveness, good communication skills, and the ability to deal with confrontation are important skills to employers.

Early Career Planning

High school students who are interested in this field should take classes in English, business, mathematics, and computers. Courses in public speaking, communication, and theater arts can help students who wish to learn how to communicate more effectively.

Work Study Programs

California offers Regional Occupational Programs (ROP) for Claims Adjusters, Examiners, and Investigators. To find an ROP program near you, go to the California Association of Regional Occupational Centers and Programs Web site.

Continuing Education

Continuing education is not required; however, it is important that Claims Adjusters, Examiners, and Investigators remain knowledgeable because federal and State laws and court decisions affect how claims are handled or who is covered by insurance policies. For instance, Examiners working on life and health claims must be familiar with new medical procedures and prescription drugs. Those working on auto claims must be familiar with new car models and repair techniques. Claims Adjusters, Examiners, or Investigators may continue their education by attending classes or workshops.

Licensing and Certification

Insurance Adjusters, Public Insurance Adjusters, and Interim Public Insurance Adjusters must be licensed. Contact the agency that issues the license for additional information. Click on the license title below for details.

Claims Adjusters may hold an Associate in Claims certificate. Examiners working in life and health insurance industries often obtain voluntary certification to enhance their skills and employability. Educational programs, such as the Associate, Life, and Health Claims and the Fellow, Life, and Health Claims program allow life and health claim Examiners to obtain professional designation. For more information, go to the U.S. Department of Labor's Career InfoNet Web site and scroll down to "Career Tools." Click on "Certification Finder" and follow the instructions to locate certification programs.

Where Can I Find Training?

There are two ways to search for training information:

  • Search by Field of Study to find what programs are available and what schools offer those programs. You may use keywords such as: Medical Claims Examiner, Banking and Financial Support Services, and Finance.
  • Search by Training Provider to find schools by name, type of school, or location.

Contact the schools you are interested in to learn about the classes available, tuition and fees, and any prerequisite course work.

Where Would I Work?

The largest industries employing Claims Adjusters, Examiners, and Investigators are as follows:

Industry TitlePercent of Total Employment for Occupation in California
Insurance Carriers32.8%
Insurance Agencies, Brokerages & Support23.2%
Federal Government16.5%
State Government9.2%
Office Administrative Services4.4%
Source: EDD/LMID Staffing Patterns

What Employers Say...

The Employment Development Department surveyed 18 employers in San Diego County which employ 358 Claims Adjusters, Examiners, and Investigators. Here's what they had to say:

About Full-Time/Part-Time: Almost All of these firms employ full-time and some employ part-time Claims Adjusters, Examiners, and Investigators.

About Work Experience:  Of the 18 employers surveyed in San Diego County, almost all require new hires to have prior work experience as Claims Adjusters, Examiners, and Investigators. In the table below, percentages may not add to 100% since employers may select more than one time period.

How Much Work Experience
Do Employers Require?
More than 5 years 24%
25 to 60 months 31%
13 to 24 months 31%
1 to 12 months 19%
Source: EDD/LMID Local Occupational Information Survey.

About Recruitment:  Of the 18 employers surveyed in San Diego County, most indicate it is moderately difficult to find applicants with experience who meet their minimum hiring requirements, while many indicate it is easy to find applicants without previous experience who meet their minimum hiring requirements to fill vacancies for Claims Adjusters, Examiners, and Investigators.

About Hiring:  Of the 18 employers surveyed in San Diego County, many expect the number of Claims Adjusters, Examiners, and Investigators they employ to remain stable during the coming year.

Hiring Expectations
Expect Employment to Increase 33%
Expect Employment to Remain Stable 44%
Expect Employment to Decline 22%
Source: EDD/LMID Local Occupational Information Survey.

About Vacancies:  Of the 18 employers surveyed in San Diego County, 72 percent hired Claims Adjusters, Examiners, and Investigators during the past year. Of the hiring firms, 100 percent filled existing vacancies, 38 percent filled newly created positions, and 23 percent filled temporary assignments.

Finding a Job

Direct contact with local insurance company managers or agents remains one of the most effective job search methods. Applicants can also find employment opportunities through placement offices at colleges and universities. Those working within the industry may recommend an interested candidate for jobs. Newspaper classified ads and the Internet provide additional sources for job listings. Online job opening systems include JobCentral at and CalJOBSSM at

To find your nearest One-Stop Career Center, go to Service Locator. View the helpful job search tips for more resources. (requires Adobe Reader).

Yellow Page Headings

You can focus your local job search by checking employers listed online or in your local telephone directory. Below are some suggested headings where you might find employers of Claims Adjusters, Examiners, and Investigators.

  • Adjusters
  • Examiners
  • Insurance
  • Insurance Claims Processing Services
  • Insurance Inspections and Audits

Find Possible Employers

To locate a list of employers in your area, go to "Find Employers" on the Labor Market Information Web site:

  • Select one of the top industries that employ the occupation. This will give you a list of employers in that industry in your area.
  • Click on "View Filter Selections" to limit your list to specific cities or employer size.
  • Click on an employer for the street address, telephone number, size of business, Web site, etc.
  • Contact the employer for possible employment.

Where Could This Job Lead?

As Claims Adjusters, Examiners, and Investigators gain more experience, promotion often takes the form of assignments to larger, more complex claims. Furthermore, employees who demonstrate competence in claims work or administrative skills may be promoted to more responsible managerial or administrative jobs, such as claims manager. Others may elect to become self- employed by setting up their own independent adjusting firms.

Related Occupations

Below is a list of occupations related to Claims Adjusters, Examiners, and Investigators with links to more information.

Appraisers and Assessors of Real EstateProfile
Cost EstimatorsProfile
Detectives and Criminal InvestigatorsGuide
Insurance Appraisers, Auto DamageProfile
Insurance Claims and Policy Processing ClerksProfile
Insurance UnderwritersProfile
Title Examiners, Abstractors, and SearchersProfile

Other Sources

These links are provided for your convenience and do not constitute an endorsement by EDD.

For the Career Professional

The following codes are provided to assist counselors, job placement workers, or other career professionals.

SOC - Standard Occupational Classification13-1031
O*NET - Occupational Information Network
   Claims Examiners, Property and Casualty Insurance13-1031.01
   Interest Codes (RIASEC)CEI
   Insurance Adjusters, Examiners, and Investigators13-1031.02
   Interest Codes (RIASEC)CES
CIP - Classification of Instructional Programs
   Insurance 521701
TOP - Taxonomy of Programs (California Community Colleges)