How to Start Adjusting Claims NOW
In this video, learn how to start a career as a claims adjuster. Can you work from home? How much can you make? And what are the first steps?
Independent property claims adjusters (aka IAs) are called to work natural disasters - big and small - and we travel around the country inspecting storm damage and writing estimates for insurance companies. That's pretty much it in a nutshell.
Even though what people typically think of as natural disasters are hurricanes and wildfires, there are also usually dozens of smaller storms in the midwest that produce large, damaging hail and high winds; including tornados. But in order for independent adjusters to be activated, those storms have to hit areas with a lot of houses and structures that can be damaged.
Once all the claims from that particular storm or event are taken care of, they send us home to wait for the next storm.
Independent adjusters get paid by the claim - and they can often get paid MORE the bigger the claim is.
So while you may have heard on social media (or even on this channel) that this person or that person made a giant pile of money on Hurricane Ida or Irma, the thing that keeps food on the table for most working independent property adjusters are going to be midwestern spring and summer storms.
Independent adjustes don't work directly for an insurance company and they often will work for a different insurance company on each storm. Independent adjusters get paid by the claim - and they can often get paid MORE the bigger the claim is. Which means that independent adjusters have two main incentives: one, to close as many high-quality claims as possible and two, to make sure we find all the insurable damage on a particular claim.
IAs can also work temporary assignments from big claims centers where desk adjusters and call center people work side by side.. and they can even work from home on remote assignments - whether they’re writing up the claims that a field adjuster inspected or they’re reviewing the work of other adjusters to make sure they've dotted their i's and crossed their t's.
How much can you make as an independent adjuster?
Well, that can very considerably based on what type of work you're doing, how well you can do that work, and how quickly you can get it all done. But once an adjuster gets past their first few storm deployments - when they really get their feet under them - if they work hard and make themselves available for as many deployments as possible they can expect to bring in at least $60-70,000 a year. From there the sky is really the limit. Many experienced independent property claims adjusters bring in at least twice that on average every single year.
Not a bad gig for 5-8 months of work per year during the storm season.
Now. All that said, storm adjusters WORK just about every day of that storm season so it's not like you're working a 9 to 5 and getting paid just to show up. It takes grit and determination to make this career worth it. And you kinda have to like helping people as well.
If you're in it just for the money, you might do well for a short time, but your customers are probably going to suffer.
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