loss adjuster
Loss adjusters treat and evaluate insurance claims by investigating the cases and determining liability and damage, in accordance with the policies of the insurance company. They interview the claimant and witnesses and write reports for the insurer where appropriate recommendations for the settlement are made. Loss adjusters' tasks include making payments to the insured following his claim, consulting damage experts and providing information via telephone to the clients.
loss adjuster loss adjusters treat and evaluate insurance claims by investigating the cases and determining liability and damage, in accordance with the policies of the insurance company. The role shows moderate AI exposure (0.50 on a 0-1 scale) — some tasks are being automated but the role adapts. The most in-demand skills for the role include insurance law, principles of insurance, actuarial science, claims procedures, types of insurance.
Pay in the UK
UK: median £39,634 a year for Estimators, valuers and assessors (ONS ASHE 2025, full-time)
Middle half of full-time jobs: £32,274 to £51,360 a year
UK jobs are grouped differently; this is the closest UK occupation group (ONS SOC 2020 3541). ONS rates this estimate reasonably precise. 2025 provisional figures; ONS revises them a year later. Source: ONS Annual Survey of Hours and Earnings (Open Government Licence)
Pay in India (occupation group)
Average monthly earnings of salaried employees in the occupation group “Technicians and associate professionals” in India, from the Government of India's Periodic Labour Force Survey (January–December 2025). It covers everyone in this group, not only loss adjuster, and it is not US pay converted to rupees.
Source: MoSPI (Government of India), Periodic Labour Force Survey Annual Report 2025, Table 51 — average wage/salary earnings of regular wage/salaried employees, NCO-2015 division 3. Official India data gives one average per occupation group: there are no official India figures for single careers, experience levels or cities. Read the report
Top skills
Knowledge you'll build
- Customer and Personal Service
- English Language
- Administrative
- Mathematics
- Computers and Electronics
- Law and Government
- Administration and Management
- Economics and Accounting
What you'd actually do
- Examine claims forms and other records to determine insurance coverage.
- Analyze information gathered by investigation and report findings and recommendations.
- Pay and process claims within designated authority level.
- Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
- Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.
- Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
Tools & technology you'd use
Frequently asked questions
What does loss adjuster do?
Loss adjusters treat and evaluate insurance claims by investigating the cases and determining liability and damage, in accordance with the policies of the insurance company. They interview the claimant and witnesses and write reports for the insurer where appropriate recommendations for the settlement are made. Loss adjusters' tasks include making payments to the insured following his claim, consulting damage experts and providing information via telephone to the clients.
What skills does loss adjuster need?
The most in-demand skills for this role include insurance law, principles of insurance, actuarial science, claims procedures, types of insurance, manage claim files. These are the skills O*NET identifies as most important for competent performance.
Will AI replace loss adjuster?
Our AI-durability model gives loss adjuster a score of 0.50 on a 0-1 scale (higher = more exposure). That places it at moderate AI exposure — some tasks are being automated but the role adapts. Learning to work with AI tools rather than against them is the path forward.