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Adjusters and Claims Examiners

Adjusters and Claims Examiners

by Melanie Joy Douglas,

Insurance adjusters and claims examiners investigate insurance claims and determine the amount of loss or damage that needs to be covered by the policies.  Job duties include:

  • Investigating circumstances around a claim to determine validity
  • Taking statements and consulting with claimants, witnesses, healthcare professionals, and lawyers
  • Negotiating settlements
  • Preparing adjustment reports
  • Approving insurance claims and determining the extent of coverage

Adjusters and Examiners are employed in claims departments, insurance companies, or work as independent adjusters.  Adjusters deal with property, auto, and bodily injury claims, in both commercial and personal settings.  Examiners audit adjusters, and therefore require a high technical knowledge of insurance policy and laws.  Usually examiners have many years of experience as senior adjusters.


  • 35-40 hrs/week 


  • Bachelor’s degree or college diploma
  • Completion of insurance industry courses and training programs may be required. (Often the companies pay for this.)
  • Independent adjusters require provincial licence.


  • Computer skills
  • Team project work
  • Team management
  • Computer skills
  • Communication skills 
  • Investigative skills


  • Adjuster:   $35-75,000
  • Examiner:  $75,000-150,000


Sources:  Ontario Job Futures and Career Options in Finance

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