12201 – Insurance adjusters and claims examiners



12201 – Insurance adjusters and claims examiners
Insurance adjusters investigate insurance claims and determine the amount of loss or damages covered by insurance policies. They are employed in claims departments of insurance companies or as independent adjusters. Insurance claims examiners examine claims investigated by insurance adjusters and authorize payments. They are employed at head offices or branches of insurance companies.


Index of titles
Adjuster - insurance
Adjuster trainee - insurance
Automobile claims technical adjuster
Casualty insurance adjuster
Claims adjuster - insurance
Claims approver - insurance
Claims consultant
Claims examiner
Claims examiner - insurance
Claims investigator
Claims investigator - insurance
Claims representative
Claims representative - insurance
Disability claims examiner - insurance
Disaster relief claims adjuster - insurance
Field adjuster - insurance
Fire insurance adjuster
Freight adjuster - insurance
Group life claims examiner - insurance
Health and dental claims examiner - insurance
Insurance adjuster
Insurance inspector
Liability adjuster - insurance
Loss examiner - insurance
Marine claims adjuster - insurance
Marine insurance adjuster
Medical claims assessor - insurance
Motor vehicle claims adjuster - insurance
Production examiner
Property adjuster - insurance
Public adjuster - insurance
Railroad claims adjuster - insurance
Settlement management associate
Settlement specialist
Staff adjuster - insurance
Telephone adjuster - insurance
Trainee adjuster - insurance
Workers' compensation adjuster - insurance


Main duties
This group performs some or all of the following duties:

Insurance adjusters
Investigate circumstances surrounding insurance claims to determine validity of claim
Inspect automobile, home or other property damage
Take statements and consult with claimants, accident witnesses, doctors and other relevant individuals and examine records or reports
Determine amount of loss or damages covered by insurance policies
Negotiate settlement of claims
Prepare adjustment reports.

Insurance claims examiners
Review, examine, calculate and authorize insurance claims investigated by insurance adjusters
Examine adjusters' reports and similar insurance claims or precedents to determine extent of insurance coverage
Ensure claims are valid and settlements are made according to company practices and procedures
Consult lawyers, doctors or other relevant individuals to discuss insurance claims
Approve automobile, fire, life, disability, dental or other insurance claims.


Employment requirements
Completion of secondary school is required.
A bachelor's degree, college diploma or some post-secondary education or several years of experience as a clerk in the claims department or other general insurance experience is required.
Several years of on-the-job training and completion of insurance industry courses and training programs are required.
Independent adjusters require a provincial licence issued by the Superintendent of Insurance in the province or territory of employment.


Additional information
Completion of educational programs through the Insurance Institute of Canada or its provincial counterparts entitles insurance adjusters and claims examiners to professional recognition as a Chartered Insurance Professional (CIP), and with additional university courses, as a Fellow Chartered Insurance Professional (FCIP).