What does an insurance claims adjuster do?
What is an Insurance Adjuster? But just what is an insurance adjuster? To get some answers, we went behind the scenes with Chad Smith, a property claims specialist at Erie Insurance who handles large losses. Read on to learn more about him and all the important ways he helps Customers in their time of need.
In your own words, what is an insurance adjuster?
To me, an insurance adjuster is someone who has a great deal of responsibility and accountability. At Erie Insurance, adjusters are the ambassadors of the company. What kind of background do you need to become an adjuster?
More often than not, you need to have a college degree. I have a business degree, but insurance adjusters can pursue other fields as well. I would also recommend adding computer and math classes to your coursework. How did you become an adjuster?
ERIE hired me as an adjuster shortly after graduating from college. I went through a few months of training that included both classroom and field training.
I was tested on information and then spent some time out in the field with seasoned adjusters and appraisers to learn about what they did first hand.
However, the rules vary by state. What kind of skills do you need as an adjuster? Being people-oriented is a must.
You need to be able to empathize with the Customer by putting yourself in their shoes. Honesty and integrity are essential in establishing trust. Because of the way the field is evolving, you need to be really comfortable with technology or be willing to learn it.
What is a normal day like? There really is no normal day. In order to handle it, you have to structure your days to a certain degree, but also maintain flexibility. I might plan to make calls all morning—but if I get an urgent claim, I need to reorder my day.
What hours do you work? I usually start early and end late. Sometimes I work weekends. One that stands out is working during the tornado catastrophes in North Carolina, Virginia and Tennessee.
ERIE was the first insurance company on the scene. There was a lot of damage, but I was able to respond quickly and help Customers affected by the tornadoes.
The fast response was made possible by the way ERIE set up its catastrophe team units.
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