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What does a Claims do?

Learn all about Claims duties, skills and much more. Get expert advice on how to become a Claims.

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Brenna Goyette
Certified Professional Resume Writer, Career Expert

Published 3 min read

A claims adjuster is an insurance professional who investigates, evaluates and settles insurance claims.

Claims job duties include:

  • Investigate and process insurance claims for customers.
  • Handle customer inquiries and complaints related to claims.
  • Determine coverage and benefits for customers.
  • Examine claims to ensure accuracy and completeness.
  • Process claims according to company guidelines.
  • Forward claims to appropriate insurance carriers.
  • Maintain accurate records of all claim activity.
  • Keep abreast of updates to insurance policies and coverage.

Claims Job Requirements

In order to work as a Claims Adjuster, most companies will require that you have at least a Bachelor's degree in a field such as business, accounting, finance, or insurance. Some companies may require that you have a Master's degree or higher. In addition, many companies will require that you have at least 5 years of experience working in the insurance industry in a claims-related role. Some companies may also require that you obtain certain professional certifications, such as the Associate in Claims (AIC) designation from the Insurance Institute of America (IIA).

Claims Skills

  • Analytical skills
  • Communication skills
  • Organizational skills
  • Problem-solving skills
  • Research skills
  • Writing skills
  • Attention to detail
  • Computer skills
  • Flexibility
  • Interpersonal skills
  • Patience

Related: Top Claims Skills: Definition and Examples

How to become a Claims

There are many reasons why someone might want to become a claims adjuster. Perhaps they have a background in customer service and they want to help people through the claims process. Maybe they have a background in insurance and they want to help people get the coverage they need. Whatever the reason, becoming a claims adjuster can be a rewarding career.

The first step to becoming a claims adjuster is to obtain the necessary education. Many claims adjusters have at least a bachelor’s degree, although some companies may require a master’s degree. Claims adjusters need to have strong communication and writing skills, as well as analytical skills. They also need to be familiar with the insurance industry and how policies work.

Once you have the necessary education, you will need to obtain a license from your state’s insurance department. Each state has different requirements for licensure, so be sure to check with your state’s insurance department to find out what is required. Once you are licensed, you will be able to work for an insurance company or an independent adjusting firm.

Working as a claims adjuster can be both challenging and rewarding. You will help people through one of the most difficult times in their lives, and you will be able to see the satisfaction that comes with getting them the coverage they need. If you are looking for a career that is both challenging and rewarding, consider becoming a claims adjuster.

Related: Claims Resume Example

Related: Claims Interview Questions (With Example Answers)