I have been an Independent Insurance Adjuster for 9 years now. It is a rewarding and challenging position.
First, I would like to explain what it is not. Despite rumor and innuendo, it is not a position to cheat or underpay the customer, the Insured or Policyholder. Proper Insurance Adjusters inspect, analyze and decide what is covered or not under property or casualty claims. Nothing more, nothing less. We do not get paid extra or bonuses to Deny a claim. Most adjusters work for an Insurance company and are paid per salary, so there is not link between payment of claims and salary. Since I am Independent, I can work for more than one Insurance company. One needs to be fair and always look for coverage, not for Exclusions under the Policy.
Now, sometimes one looks for coverage but finds none. This is where a person's diplomatic skills come into play. The Policy is what it is, it is there to assist the Insured for covered damages but since it has limitations, the Claims Adjuster needs to explain to the customer what is or what is not covered.
I see in my industry that more bi-lingual professionals are needed. It's hard enough for English speaking customers to understand Insurance terms, but even harder for those customers whose primary language is not English. A college degree is usually required, and one needs to be honest, fair and patient. It might not have sparkle and the flash of other careers, but it can provide a decent living for most. It is not an easy position. One will be accused by Attorneys, General Contractors, Public Adjusters and suspicious customers of being intentionally unfair somtimes, but a lot more claims are covered than not...
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