Insurance Adjusters, Examiners, Investigators Job Description

Investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.

Tasks Performed

  • Analyze information gathered by investigation and report findings and recommendations.
  • Collect evidence to support contested claims in court.
  • Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit.
  • Examine claims form and other records to determine insurance coverage.
  • Examine titles to property to determine validity and act as company agent in transactions with property owners.
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  • Interview or correspond with claimant and witnesses, consult police and hospital records, and inspect property damage to determine extent of liability.
  • Investigate and assess damage to property.
  • Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
  • Obtain credit information from banks and other credit services.
  • Prepare report of findings of investigation.
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement.

Work Activities

  • analyze credit information gathered by investigation
  • assess vehicle damage
  • assist with business or managerial research
  • calculate insurance premiums or awards
  • compile evidence for court actions
  • compile information for court cases
  • compile information through interviews
  • determine liability
  • estimate damage
  • evaluate customer records
  • examine evidence to determine if it will support charges
  • fill out business or government forms
  • fill out insurance forms
  • follow contract, property, or insurance laws
  • follow rules of evidence procedures in legal setting
  • gather physical evidence
  • inspect property
  • inspect property to determine damages
  • interview customers
  • investigate insurance claims
  • maintain insurance records
  • maintain records, reports, or files
  • make decisions
  • obtain information from individuals
  • prepare reports
  • recommend claim action
  • research property records
  • review data on insurance applications or policies
  • review insurance policies to determine appropriate coverage
  • search legal records
  • transcribe spoken or written information
  • understand property documents
  • use interviewing procedures
  • use knowledge of investigation techniques
  • use negotiation techniques
  • use oral or written communication techniques
  • verify information for credit investigations
  • verify investigative information
  • write business correspondence
  • write vehicle damage repair estimates

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