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Occupation Details

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Insurance Loss Adjuster

Job Zone

Education
Most occupations in this zone require job specific training (vocational training) related to the occupation (NFQ Levels 5 and 6 or higher), related on-the-job experience, or a relevant professional award.

Related Experience
Previous work-related skill, knowledge, or experience is required for these occupations. For example, electricians typically complete four years of training in order to perform the job.

Job Training
Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers. A recognised apprenticeship program may be associated with these occupations.

Job Zone Examples
These occupations usually involve using communication and organisational skills to coordinate, supervise, manage, or train others to accomplish goals. Examples include restaurant managers, electricians, agricultural technicians, legal secretaries, hairdressers, and web developers.

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At a Glance... header image

Works on behalf of the insurance company to investigate claims and make recommendations for a fair settlement.


The Work header image

The Loss Adjuster is appointed by the insurer to deal with an insurance claim on their behalf.

The Loss Adjuster investigates claims by interviewing the claimant and witnesses, consulting police and hospital records and inspecting property damage to the extent of the company’s liability.

They advise both the insurance company, and the policy-holder, on repair and replacement techniques. 

 


Tasks & Activitiesheader image

The following is a list of the most commonly reported tasks and activities for this occupation

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Examine claims forms and other records to determine insurance coverage.

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Investigate and assess damage to property and create or review property damage estimates.

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Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.

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Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.

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Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.

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Analyze information gathered by investigation, and report findings and recommendations.

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Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.

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Prepare report of findings of investigation.

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Refer questionable claims to investigator or claims adjuster for investigation or settlement.

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Collect evidence to support contested claims in court.

Work Activities header image

The following is a list of the most commonly reported work activities in this occupation.

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Identifying Objects, Actions, and Events:  Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.

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Organizing, Planning, and Prioritizing Work:  Developing specific goals and plans to prioritize, organize, and accomplish your work.

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Getting Information:  Observing, receiving, and otherwise obtaining information from all relevant sources.

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Resolving Conflicts and Negotiating with Others:  Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

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Establishing and Maintaining Interpersonal Relationships:  Developing constructive and cooperative working relationships with others, and maintaining them over time.

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Updating and Using Relevant Knowledge:  Keeping up-to-date technically and applying new knowledge to your job.

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Documenting/Recording Information:  Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.

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Evaluating Information to Determine Compliance with Standards:  Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.

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Judging the Qualities of Things, Services, or People:  Assessing the value, importance, or quality of things or people.

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Processing Information:  Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.


Knowledge header image

The following is a list of the five most commonly reported knowledge areas for this occupation.

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English Language:  Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

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Customer and Personal Service:  Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

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Clerical:  Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

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Law and Government:  Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

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Mathematics:  Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.


Skillsheader image

The following is a list of the most commonly reported skills used in this occupation.

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Critical Thinking:   Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

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Reading Comprehension:   Understanding written sentences and paragraphs in work related documents.

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Active Listening:   Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

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Speaking:   Talking to others to convey information effectively.

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Negotiation:   Bringing others together and trying to reconcile differences.

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Writing:   Communicating effectively in writing as appropriate for the needs of the audience.

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Judgment and Decision Making:   Considering the relative costs and benefits of potential actions to choose the most appropriate one.

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Active Learning:   Understanding the implications of new information for both current and future problem-solving and decision-making.

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Mathematics:   Using mathematics to solve problems.

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Coordination:   Adjusting actions in relation to others' actions.

Personal Qualitiesheader image

You'll need to be tactful, sympathetic and patient to work as a loss adjuster. You must also be thorough, observant and methodical.  
 
Communication skills are important as you will advise and interview claimants and negotiate settlements. Integrity is important and loss adjusters should also be fair and unbiased when dealing with claims.  
 
Good written skills are necessary for report writing. You need to be able to handle complex information and computer skills would also be desirable. A basic knowledge of accounts and book-keeping is also helpful.  
 
A good level of general fitness is also required for this job.


Entry Routesheader image

Entrants commence in this role as Trainee Loss Adjustor and can progress to Senior Loss Adjustor.

To register as a student member of the Chartered Institute of Loss Adjusters (CILA), you will need to have a professional qualification in a relevant subject. Examples are insurance, accountancy, law, engineering or surveying. You'll also need to have two years' experience with a firm of chartered loss adjusters before being eligible to sit the Institute's examinations.  
 
The majority of entrants have professional qualifications and relevant work experience, although some do enter directly from school or college with Leaving Certificate (or equivalent) or a degree. To enter without a relevant qualification you would generally begin work with a company of loss adjusters and study for the qualifications of the Chartered Insurance Institute (CII). Students who pass the CII's examinations may go on to study for the CILA's qualifications.  
 
Training is usually provided on-the-job. Those with professional qualifications take three to four years to study for CILA's examinations. Those with the Leaving Certificate or degrees take six or seven years to qualify. Subjects include principles and practice of insurance in connection to loss adjusting, property claims, accident and liability claims and commercial claims.  
 
If you do not have the Leaving Certificate you can start working in an insurance company as a clerk and study for further qualifications. Once these have been gained, you may move onto a loss adjusting firm.  
 
Numerous introductory and foundation courses on insurance and the financial services are run at Colleges of Further Education throughout the country. These are accredited by FETAC at level 5. Check colleges in your area for more details.

The regulation of Private Investigators came into effect from the 1st November 2015.

Contractors providing any of the following services are now required to have a licence:

People who provide services as debt collectors, tracing agents, summons servers, loss assessors /adjusters, security consultants or other occupations where part of their activities fall within the new legal definition of private investigation.

Full details are available here [PDF].

Last Updated: November, 2015


Further Informationheader image

A detailed description of this occupation can be found on a number of online databases. Follow the link(s) below to access this information:

Note: you will be leaving the CareersPortal Site

Go..Insurance Adjuster - from:  YouTube Video
Go..Insurance Loss Adjuster - from:  N.C.S. [UK]

Related Occupationsheader image

Contactsheader image

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Organisation: Chartered Institute of Loss Adjusters
  Address: Warwick House, 65/66 Queen Street, London EC4R 1EB, UK
  Tel: +44 (0)20 7337 9960
  Email: Click here
  Url Click here

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Organisation: Insurance Institute of Ireland
  Address: Insurance House, 39 Molesworth Street, Dublin 2
  Tel: (01) 677 2582
  Email: Click here
  Url Click here

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Organisation: Insurance Ireland
  Address: Insurance House, 39 Molesworth Street, Dublin 2
  Tel: (01) 676 1820
  Email: Click here
  Url Click here

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Organisation: LIA
  Address: LIA House, 183 Kimmage Road West, Dublin 12
  Tel: 01 - 709 9850
  Email: Click here
  Url Click here

 

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This occupation is popular with people who have the following Career Interests...


...and for people who like working in the following Career Sectors:

Banking, Insurance & Financial Services
Security, Defence & Law Enforcement

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