California Occupational Guides

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Summary Guide for

Claims Adjusters, Examiners, and Investigators in California

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?

Claims Adjusters, Examiners, and Investigators review and analyze claims, negotiate settlements, and authorize payments to claimants, while mindful not to violate the claimant’s rights under federal and State privacy laws. They also determine whether the customer’s insurance policy covers the loss and how much of the loss should be paid to the claimant.

Working environments of Claims Adjusters, Examiners, and Investigators vary greatly. Claims Adjusters and Investigators may work irregular work schedules, over 40 hours a week, where evening and weekend work is common; however, Examiners typically work a standard five day, 40-hour week.

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.

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 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)
Source: EDD/LMID Occupational Employment Statistics Survey, 2017 Wages do not reflect self-employment.
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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 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.

How Do I Qualify?

Training and entry requirements vary widely for Claims Adjusters, Examiners, and Investigators. Most companies prefer to hire college graduates.

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).

Learn More About Claims Adjusters, Examiners, and Investigators