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Career and Education Opportunities for Insurance Adjusters in Sacramento, California

There are many career and education opportunities for insurance adjusters in the Sacramento, California area. About 31,200 people are currently employed as insurance adjusters in California. By 2016, this is expected to grow 12% to about 35,000 people employed. This is better than the nation as a whole, where employment opportunities for insurance adjusters are expected to grow by about 7.1%. Insurance adjusters generally investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants.

Insurance adjusters earn approximately $28 per hour or $60,030 per year on average in California. Nationally they average about $26 hourly or $55,760 per year. Compared with people working in the overall category of Adjustment and Analysis, people working as insurance adjusters in California earn more. They earn more than people working in the overall category of Adjustment and Analysis nationally. People working as insurance adjusters can fill a number of jobs, such as: medical claims examiner, litigation claim representative, and compensation adjuster.

The Sacramento area is home to forty-two schools of higher education, including two within twenty-five miles of Sacramento where you can get a degree as an insurance adjuster. Insurance adjusters usually hold a Bachelor's degree, so it will take about four years to learn to be an insurance adjuster if you already have a high school diploma.

CAREER DESCRIPTION: Insurance Adjuster

Insurance Adjuster video from the State of New Jersey Dept. of Labor and Workforce Development

In general, insurance adjusters investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. They also correspond with or interview medical specialists, agents, or claimants to compile information.

Insurance adjusters inspect police reports, medical treatment records or physical property damage to establish the extent of liability. They also examine claims forms and other records to establish insurance coverage. Equally important, insurance adjusters have to interview or correspond with claimants or other relevant parties to establish claim settlements or review. They are often called upon to ready reports of findings of investigations. They are expected to interview or correspond with agents and claimants to fix errors or omissions and to investigate questionable claims. Finally, insurance adjusters negotiate claim settlements and recommend litigation when settlement cannot be negotiated.

Every day, insurance adjusters are expected to be able to see details at a very fine level of focus. They need to listen to and understand others in meetings. It is also important that they read and understand documents and reports.

It is important for insurance adjusters to collect evidence to support contested claims in court. They are often called upon to investigate and assess damage to property and develop or review property damage estimates. Somewhat less frequently, insurance adjusters are also expected to communicate with former associates to confirm employment record and to obtain background data regarding persons or businesses applying for credit.

Insurance adjusters sometimes are asked to negotiate claim settlements and recommend litigation when settlement cannot be negotiated. and examine titles to property to establish validity and act as company agent in transactions with property owners. And finally, they sometimes have to inspect police reports, medical treatment records or physical property damage to establish the extent of liability.

Like many other jobs, insurance adjusters must be thorough and dependable and be reliable.

Similar jobs with educational opportunities in Sacramento include:

  • Business Management Analyst. Conduct organizational studies and evaluations, design systems and procedures, conduct work simplifications and measurement studies, and prepare operations and procedures manuals to assist management in operating more efficiently and effectively. Includes program analysts and management consultants.
  • Compensation / Benefits Specialist. Conduct programs of compensation and benefits and job analysis for employer. May specialize in specific areas.
  • Coroner. Direct activities such as autopsies, pathological and toxicological analyses, and inquests relating to the investigation of deaths occurring within a legal jurisdiction to determine cause of death or to fix responsibility for accidental, violent, or unexplained deaths.
  • Cost Analyst. Prepare cost estimates for product manufacturing, construction projects, or services to aid management in bidding on or determining price of product or service. May specialize according to particular service performed or type of product manufactured.
  • Emergency Management Coordinator. Coordinate disaster response or crisis management activities, provide disaster preparedness training, and prepare emergency plans and procedures for natural, wartime, or technological disasters or hostage situations.
  • Employment Coordinator. Interview job applicants and refer them to prospective employers for consideration. Search application files, notify selected applicants of job openings, and refer qualified applicants to prospective employers. Contact employers to verify referral results. Record and evaluate various pertinent data.
  • Insurance Appraiser. Appraise automobile or other vehicle damage to determine cost of repair for insurance claim settlement and seek agreement with automotive repair shop on cost of repair. Prepare insurance forms to indicate repair cost or cost estimates and recommendations.
  • License Examiner. Examine, evaluate, and investigate eligibility for, conformity with, or liability under licenses or permits.
  • Real Estate Appraiser. Appraise real property to determine its value for purchase, sales, or loan purposes.
  • Tax Examiner. Determine tax liability or collect taxes from individuals or business firms according to prescribed laws and regulations.

EDUCATIONAL OPPORTUNITIES: Insurance Adjuster Training

San Joaquin Delta College - Stockton, CA

San Joaquin Delta College, 5151 Pacific Ave, Stockton, CA 95207. San Joaquin Delta College is a large college located in Stockton, California. It is a public school with primarily 2-year programs and has 20,480 students. San Joaquin Delta College has a two to four year program in Insurance.

Sacramento City College - Sacramento, CA

Sacramento City College, 3835 Freeport Blvd, Sacramento, CA 95822-1386. Sacramento City College is a large college located in Sacramento, California. It is a public school with primarily 2-year programs and has 26,175 students. Sacramento City College has an associate's degree and a two to four year program in Insurance.

CERTIFICATIONS

Associate in Insurance Services: The Associate in Insurance Services program is a nationally recognized educational program designed specifically for insurance personnel.

For more information, see the American Institute for CPCU and Insurance Institute of America website.

Certified Fraud Examiner: The ACFE established and administers the Certified Fraud Examiner (CFE) designation.

For more information, see the Association of Certified Fraud Examiners website.

Certified Forensic Interviewer: The objective of this certification program is to create comprehensive, universally accepted professional standards combined with an objective measure of an interviewer's knowledge of those standards.

For more information, see the Center for Interviewer Standards and Assessment Ltd. website.

Accredited Insurance Examiner: An Accredited Insurance Examiner (AIE) is awarded to insurance regulatory professionals who have been extensively trained in one of two primary fields of insurance regulation, Property and Casualty or Life and Health.

For more information, see the Insurance Regulatory Examiners Society website.

Accredited Marine Surveyor : Our Accredited Marine Surveyor® (AMS®) members must have a minimum of 5 years experience and must pass a written examination by our testing committee in order to earn his or her AMS® credential.

For more information, see the Society of Accredited Marine Surveyors website.

LICENSES

Adjuster, Insurance (Nonpublic)

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Adjuster, Interim Public Insurance

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Adjuster, Public Insurance

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

LOCATION INFORMATION: Sacramento, California

Sacramento, California
Sacramento, California photo by Urdangaray

Sacramento is located in Sacramento County, California. It has a population of over 463,794, which has grown by 13.9% in the past ten years. The cost of living index in Sacramento, 93, is below the national average. New single-family homes in Sacramento are valued at $185,300 on average, which is far less than the state average. In 2008, nine hundred thirty-four new homes were constructed in Sacramento, down from 1,337 the previous year.

The top three industries for women in Sacramento are health care, educational services, and public administration. For men, it is construction, public administration, and accommodation and food services. The average travel time to work is about 23 minutes. More than 23.9% of Sacramento residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 8.4%, is lower than the state average.

The unemployment rate in Sacramento is 14.7%, which is greater than California's average of 12.3%.

The percentage of Sacramento residents that are affiliated with a religious congregation, 36.9%, is less than both the national and state average. Pearly Gate Missionary Baptist Church, Peace Lutheran Church and Parkview Presbyterian Church are among the churches located in Sacramento. The most prominent religious groups are the Catholic Church, the LDS (Mormon) Church and the Assemblies of God.

Sacramento is home to the Southern Pacific Shops and the Bing Maloney Golf Course as well as Alkali Flat North Historic District and Silva Field. Shopping centers in the area include Farmers Center Shopping Center, Florin Square Shopping Center and Franklin and Florin Shopping Center. Visitors to Sacramento can choose from Best Western Sutter House, Best for Less Motel-Cababa Lodge and AAA Residence Inn for temporary stays in the area.