Claims Adjusters, Appraisers, Examiners, and Investigators earn $78,020 median salary
Claims adjusters, appraisers, examiners, and investigators in the U.S. earn a median annual salary of $78,020, according to the Bureau of Labor Statistics (BLS). That works out to roughly $38 per hour. The typical pay range extends from $48,980 at the 10th percentile to $116,090 at the 90th percentile.
These professionals investigate insurance claims, determine coverage, and negotiate settlements. The role spans multiple industries—auto, property, health, and workers' comp—and requires sharp analytical skills. Employment in this occupation stands at 335,790 jobs nationally.
How much Claims Adjusters, Appraisers, Examiners, and Investigators earn
The median annual wage is $78,020, meaning half earn more and half earn less. The average (mean) wage is $80,420, pulled up by higher earners. Entry-level workers (10th percentile) earn about $48,980, while experienced top performers (90th percentile) can make up to $116,090.
Your actual pay depends on your specialty. Auto damage adjusters often earn on the lower end, while independent adjusters handling complex commercial claims can land in the top tier. Overtime is common during natural disasters, which can boost annual income significantly.
Pay by state
Wages vary considerably by location, influenced by cost of living and demand. While BLS does not publish state-level data for this occupation, states with higher costs of living and concentrated insurance industries—like California, New York, and Texas—tend to pay above the national median. Lower-cost states such as Mississippi or Arkansas typically offer salaries closer to the national 10th percentile.
Regardless of where you work, specialization and certifications can push your earnings above state averages. Independent adjusters who are willing to travel often command premium rates.
How to become a Claims Adjuster, Appraiser, Examiner, or Investigator
Most employers require a high school diploma at minimum, though many prefer some college coursework or a bachelor’s degree—particularly in business, finance, or criminal justice. The typical path starts with on-the-job training lasting several months to a year.
- Earn a high school diploma or GED; a bachelor's degree improves chances for higher-level examiner roles.
- Get certified: Most states require adjusters to hold a license. The adjuster license exam covers ethics, policy interpretation, and state regulations. Many employers sponsor training.
- Gain experience: Entry-level positions often involve auto or property claims under supervision. After 1–2 years, you can move to more complex claims or become a field adjuster.
- Consider professional designations: The Chartered Property Casualty Underwriter (CPCU) or Associate in Claims (AIC) can boost credibility and salary.
Job outlook
The BLS does not project growth for this occupation from 2024 to 2034. However, demand for claims services generally follows insurance market trends and catastrophic events. Recessions often increase claims volume as businesses and individuals file more property and liability claims. The need to replace retiring workers also creates openings.
Frequently asked questions
What does a claims adjuster do?
Claims adjusters inspect damage, review police reports, interview witnesses, and determine how much an insurer should pay for a claim. They also negotiate settlements with policyholders or their representatives.
Do claims adjusters need a license?
Yes, in most states. Licensing requirements vary but typically include completing a pre-licensing course and passing a state exam. Some states have reciprocity agreements.
What is the highest-paying claims job?
Independent adjusters who handle complex commercial or catastrophe claims can exceed $100,000 annually. Examiners—especially those in senior or supervisory roles—also earn top wages.
Salary figures are U.S. Bureau of Labor Statistics estimates (OEWS / Employment Projections). For informational purposes only; not career or financial advice. See the full Claims Adjusters, Appraisers, Examiners, and Investigators data.