Insurance Loss Adjuster
What the work is
Inspects and assesses the damage and loss to insured property and business, estimates insurance costs, and acts to minimise the cost of claims to an insurance company.
Would you enjoy the work?
These are the main tasks in the official description. Mark how each one sounds to you.
- Examines scenes of accidents resulting in insurance claims to determine the extent of loss and damage
- Interviews witnesses and claimants to obtain details required to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and prepares statements and reports
- Estimates business losses resulting from fire, theft and other business disruptions
- Estimates the cost of repairs or replacement of damaged property
- Reports the extent of damage and estimated costs to the insurance company
- Provides advice on how to minimise the cost of claims
Try it
A simulation and a case study from this kind of work, set in a loss adjusting firm that works with insurers after property damage. They are fictional.
The kind of days you could have
Good days
- You walk a business owner through what happens next, and they relax for the first time in days
- You spot the detail that makes a messy claim simple
- A fair settlement is reached and both sides shake hands
Hard days
- An owner who has lost a lot wants more than the policy allows
- Two accounts of the same event that do not agree
- Long drives, damp buildings and a stack of photographs to write up
Written by Career Calling as a general guide. Real roles vary by employer and place.
Work a mission
Step into a simulated workplace in this field, with a brief from your manager.
Description and tasks: Australian Bureau of Statistics, Occupation Standard Classification for Australia, 2024, Version 1.0 (opens another site), occupation 531532, used under a Creative Commons Attribution 4.0 licence. The skill guide above is our plain English summary.