r/adjusters

About 5:15 this morning I woke up thinking the dog had stepped on the remote and turned the tv on. Lots of static sounding noise (which should have been my first cause since TV’s don’t do that anymore) woke me up. I turned the TV off and on… same noise. Got out of bed to see what was wrong with the stupid tv… Realized that’s not the TV!

Walked into the bathroom and the angle stop and busted off the pipe. Full bore hot water flooding the bathroom! Of course the shutoff was buried due to recent rains, couldn’t find the key when I got it exposed….

Pulled the baseboards grabbed all the fans and started taking readings. Crawled under the house and did the same.

UGH. All I could think was “god I don’t want to file a claim.”

Made me curious, how many of you are like me and would rather lose a toe than deal with a claim on your own stuff?

I interviewed for a claims adjuster position (auto) at a large insurance company. What i found soul sucking at my last job was that it was in government, i barely talked to anyone all day, no room to grow, boss never gave feedback but would gossip about me to other employees, and had to be in office every day. it was a long commute and i did have some attendance issues. it was a small organization and i had to do the most random things. so a job with clear expectations, wfh, and being able to actually talk sounded like a good fit for me. i’ve dealt with a lot of conflict and angry residents in my government work and it doesn’t really bother me. now i am reading more and people are saying claims is terrible and led to mental health issues. i do struggle with anxiety and depression (on medication for it) so now im pretty worried about this. generally though i don’t have much anxiety regarding work and i didnt in school before, the work culture and constantly being alone and silent is what drained me. is claims actually that bad for most people? i thought it’d be a good fit for my personality but now im not sure.

Alright, this has been on my mind for a while but this is the first time I've decided to publicly ask for guidance.

I'm a 23 year old male, getting married soon and buying a house. I currently project manage for a roofing & exteriors company in Georgia and have been for 3 years now. I have helped homeowners navigate many roof claims (while staying in my lane as a contractor of course) and I've seen a lot of good and a lot of bad. While contracting is good work and good money, I've gotten tired of the retail sales side and going against insurance has gotten tougher and tougher. I'm looking to make a switch to the "dark side."

Even though I cant legally talk about them, I love getting into homeowner's policies. The more I learn about the claims side the more I want to do it. I have met a lot of adjusters and most of them have made it seem like a dream job, more money than roofing and no sales! I met an older IA at the casino that swore by commercial adjusting. I want to know... is it true? Is adjusting really a $100k annual job out the gate? If I'm wanting to get into adjusting, IA work specifically for property, where should I start? Should I even go IA or do I look into PA, desk, CAT or any other type of work?

If anyone is in the metro Atlanta area I would be curious to know how many residential claims per day you average, how you like to get paid whether it's per claim, per day or fee schedule. Where did you go to get your license? AdjusterPro or something else?

For the adjusters that handle roofing claims, do you still climb roofs?

Thank you in advance and I apologize if this post is all over the place.

Congrats for making it through the week.

Feel free to share your (Good/Better/Best) or (Good/Bad/Ugly) for celebration or support.

As always, I will monitor Automod removals. Just bring something real.

Happy holiday weekend to the United States based ppl. Hopefully everyone remembered to put in to the first day back after the 3 day weekend off. Never want to be logged on for the deluge of claims from over the long weekend.

🍺🌭🎆

And for the annoying people who come in here to ask questions hoping they’ll get a different answer than what they’re adjusters told them

Please do not leave more than 1 voicemail while your adjuster is OOO. Your claim is no more important than the 15+ new claims your adjuster has to deal with when they first clock in on Monday.

How do I get to my photo library?

I recently noticed that the xact app was asking me if I wanted to add additional photos from my photo library (iPhone 14). I’d have to click through my photos on the iPhone and then a SECOND time select the photos I wanted for a specific project.

Now I’m trying to upload new photos from a new inspection and that prompt / message isn’t popping up and I can’t get to the iPhones photo library, just the xact library

Any ideas? Yes. I am retarded.

We run an independent adjusting firm handling property and auto claims for insurance carriers and are evaluating full claims management software.

What platform are you using, and would you recommend it?

We’re looking for a complete solution that includes:
Assignment intake
Dispatching and scheduling
Claim lifecycle management
Adjuster management
Photo, document, and file management
Reporting
Invoicing and payroll
Customer/carrier portals
Mobile app
XactAnalysis integration (or other estimating platform integrations)

Overall ease of use, reliability, and customer support

If you’ve switched systems, what made you leave your previous platform?

Looking for honest feedback from firms that use these systems every day.

This is a mix of a rant and a Q&A…

I am a Ladder Assist for one of the big named companies, we work for pretty much every P&C insurance carrier in the state I reside. I have been with my company for 2 years and before that I was a desk adjuster with Pilot CAT.

I hold my adjusting license in all of the hurricane prone states in the SE. I am also HAAG certified. As well as Xact 1 and 2.

AMA about this job. Most of you desk adjusters see our reports and if you’re in the field you deal with us directly. I know plenty of adjusters who are always curious about what it is like on our side.

RANT: I enjoy working for every insurance company, BUT big red. I’m convinced that they only hire folks who have no people skills. SF adjusters are the only ones who treat us like we have no understanding of anything. We do your entire job for you but writing the estimate while climbing in 100 degree temps (not even talking about the shingle temps).

2.5yrs into property claims and I'm over it. I have a friend with even more experience (he got me into this field) and he's about done with it too.

What jobs/careers can I go to without taking a huge pay cut? I made $90k+ last year with CAT Pay.

A few months ago, someone quit my company to go do bi claims there.

I looked up the job description and seen the starting pay was in the 90-100k range for very little experience. Felt off.

Just curious if anyone has heard how it is there.

Looking to see what other total loss adjusters make. Currently making 56k. A little background- I’ve been working remotely for this insurance company for the past 4 years. I started in the contact center talking p&c calls and then moved over to express auto claims. I’ve been in total loss the last 6 months. I’m currently an auto adjuster 1 and can take up to 3 claims a day. I know it’s lower volume but I just don’t think I’m making enough for the work I’m doing

You know the drill...let's hear those f'ed up claims.

Mine - attorney sent me 20 emails in one day, each getting more and more aggressive...on a Sunday.

I’ve been in auto claims for a few years, and I’m at the point where I’m completely burned out. It’s not the investigations or coverage decisions. It’s the nonstop calls, angry customers, impossible metrics, and feeling like everything gets dumped on the adjuster.

I keep seeing people recommend leaving the large national carriers for smaller private or regional companies because the workload and work life balance are better, and sometimes the pay is even higher.

My problem is I don’t know which companies those are.
Who did you leave for, and would you recommend them? I’m in New Jersey, only remote work, and I’m trying to figure out where to focus my job search instead of sending applications everywhere.

So I just got my official offer for a claims adjuster role, I’m 23, graduated undergrad a year ago and plan on going to law school next August. I currently work for a jail doing admin work where I make less than 40k and the schedule is on a biweekly rotating schedule (it’s horrible). I currently still live with my mom and she was saying that it’s a bad idea to take this job as a government job has more stability. I’ve been at my current job 6 months and it will be 7 months once I leave. I’m getting a significant pay increase by leaving my current position, but I’m not understanding why my mom is so against the idea of this job. Any advice would be appreciated.

I’m a roofer in Austin, TX. I have been working mainly on commercial buildings, apartments and townhomes. I have my all lines adjuster license and am trying to find a job as a field adjuster with an insurance company in order to get out of roofing.

I had an interview with Progressive and didn’t get to the third round. I did an interview with Liberty with the recruiter but he scheduled a call with me to schedule with the hiring manager, confirmed the call the day before, then didn’t call and didn’t answer when I called.

I have been applying to anything I see on indeed and I’m on talent roster for all the companies but I’m not sure what I’m doing wrong.

Any tip or suggestions for companies that doesn’t post their openings?

I investigate and settle claims where customers get injured on store premises. I make $68,000 and am wondering if that is average or am I underpaid?

I have over 10 years of experience in commercial HVAC and refrigeration, but I also have my All-Lines Adjuster license.
A friend of mine has worked a bunch of different jobs over the years, and he convinced me to get licensed. At one point he went to Cleveland for about two months after a storm and made around $30k, which obviously got my attention. But then he came back home and wasn’t working again, and that’s what’s always made me hesitant.
From the outside, it seems like adjusting can be very profitable, but also unpredictable. I don’t really understand how the career works long-term.
I don’t mind traveling at all. I don’t have kids, and my girlfriend is open to traveling with me if that’s what it takes to make this a solid career. If being deployed around the country is where the money is, I’m completely fine with that.
For those of you who’ve actually done this:
Is adjusting a stable career or is it mostly feast or famine?
Can you make a consistent living year after year?
How much time are you actually working versus waiting for the next deployment?
If you were in my position with an established HVAC career, would you make the switch?
I’d appreciate any honest advice or experiences from people who have been in the field.

I asked this elsewhere on a nonprofit specific thread but not getting much response. Wondering if insurance people can give some better guidance on this.

I was going through some documents related to our NP organisational insurance and came upon a self-audit form asking to describe the nature of the business and list employees, roles, and gross wages, plus OT/tips if applicable.

I immediately noticed that the gross wage the ED (who filled it out and signed it) listed for me is significantly more than what I actually make and was stated in my end of 2025 compensation increase letter. To the tune of $2,500. I don't know if he inflated other salaries as well, of course. But he's also the one who decides, prepares, and signs annual compensation letters, so he has the accurate information on hand and had to have chosen to lie.

I double checked the numbers and even if he included the year-end bonus I received for 2025 (which was paid in and taxed as 2025 compensation and shouldn't be reported with 2026 compensation) the numbers are still way off.

Any thoughts on what's going on here? I have a lot of concerns about this ED's professionalism in a lot of categories and am just about ready to have a sit-down with board leadership anyway (if I don't get an "escape hatch" offer first) but is this yet another item for my long, \*long\* "problems list"?

I feel like as an injury adjuster, I'll be stuck working 5 day weeks forever. The nature of our jobs, and impatient customers, make 4 day weeks seem impossible.

But, I'm curious, does anyone here have a job where you can work 4 day work weeks? Or know if any departments within insurance where you can?

I'm relatively new to the field. What cameras does everyone find reliable? On a budget is a plus.

Also, can I ask why using a phone is so hated in this field? My iPhone gives nice jpeg pictures, shoots with image stabilization in both wide angle and zoom, and just is easy to work with. I also don't have to have one more device that I carry around and can drop. Is it because it doesn't use removable SD cards?