Career and Education Opportunities for Insurance Appraisers in San Bernardino, California
There is a wide variety of career and education opportunities for insurance appraisers in the San Bernardino, California area. Currently, 1,400 people work as insurance appraisers in California. This is expected to grow by 14% to 1,600 people by 2016. This is better than the national trend for insurance appraisers, which sees this job pool growing by about 0.5% over the next eight years. Insurance appraisers generally 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.
The income of an insurance appraiser is about $26 per hour or $55,240 yearly on average in California. In the U.S. as a whole, their income is about $25 per hour or $53,440 annually on average. Compared with people working in the overall category of Adjustment and Analysis, people working as insurance appraisers in California earn less. They earn less than people working in the overall category of Adjustment and Analysis nationally. Insurance appraisers work in a variety of jobs, including: reinspector, claims representative, and automobile field claims adjuster .
There are fifty-one schools of higher education in the San Bernardino area, including one within twenty-five miles of San Bernardino where you can get a degree to start your career as an insurance appraiser. Given that the most common education level for insurance appraisers is a Bachelor's degree, it will take about four years to learn to be an insurance appraiser if you already have a high school diploma.
CAREER DESCRIPTION: Insurance Appraiser
In general, insurance appraisers 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. They also prepare insurance forms to indicate repair cost or cost estimates and recommendations.
Insurance appraisers estimate parts and labor to repair damage, using standard automotive labor and parts cost manuals and knowledge of automotive repair. They also inspect repair cost estimates with automobile repair shops to secure agreement on cost of repairs. Equally important, insurance appraisers have to examine damaged vehicles to establish extent of structural or interior damage. They are often called upon to evaluate practicality of repairs as opposed to payment of market value of vehicles before accident. They are expected to decide on salvage value on total-loss vehicles. Finally, insurance appraisers arrange to have damages appraised by other appraisers to deal with disagreement with shops on repair cost.
Every day, insurance appraisers are expected to be able to articulate ideas and problems. They need to listen to and understand others in meetings.
Somewhat less frequently, insurance appraisers are also expected to arrange to have damages appraised by other appraisers to deal with disagreement with shops on repair cost.
Insurance appraisers sometimes are asked to ready insurance forms to indicate repair cost estimates and recommendations. And finally, they sometimes have to inspect repair cost estimates with automobile repair shops to secure agreement on cost of repairs.
Like many other jobs, insurance appraisers must be reliable and be able to deal with stress and deal with situations calmly.
Similar jobs with educational opportunities in San Bernardino include:
- Assessor. Appraise real and personal property to determine its fair value. May assess taxes in accordance with prescribed schedules.
- 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.
- Claims Adjuster. Review settled insurance claims to determine that payments and settlements have been made in accordance with company practices and procedures. Report overpayments, underpayments, and other irregularities. Confer with legal counsel on claims requiring litigation.
- 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.
- Income Tax Advisor. Prepare tax returns for individuals or small businesses but do not have the background or responsibilities of an accredited or certified public accountant.
- Insurance Adjuster. 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. Correspond with or interview medical specialists, agents, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.
- Insurance Underwriter. Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
- License Examiner. Examine, evaluate, and investigate eligibility for, conformity with, or liability under licenses or permits.
- Personal Financial Planner. Advise clients on financial plans utilizing knowledge of tax and investment strategies, securities, and real estate. Duties include assessing clients' assets, liabilities, and financial objectives to establish investment strategies.
- Real Estate Appraiser. Appraise real property to determine its value for purchase, sales, or loan purposes.
EDUCATIONAL OPPORTUNITIES: Insurance Appraiser Training
Riverside Community College - Riverside, CA
Riverside Community College, 4800 Magnolia Ave, Riverside, CA 92506. Riverside Community College is a large college located in Riverside, California. It is a public school with primarily 2-year programs and has 34,058 students. Riverside Community College has an associate's degree and a two to four year program in Insurance.
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.
Collision Repair and Refinish: Damage Analysis and Estimating : The ASE Damage Analysis and Estimating (B6) Test complements the other tests in the Collision Repair Test series that identify and recognize collision repair technicians and refinishers.
For more information, see the National Institute for Automotive Service Excellence 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.
LOCATION INFORMATION: San Bernardino, California
San Bernardino is situated in San Bernardino County, California. It has a population of over 198,580, which has grown by 7.1% in the past ten years. The cost of living index in San Bernardino, 125, is far greater than the national average. New single-family homes in San Bernardino cost $182,700 on average, which is far less than the state average. In 2008, twenty-one new homes were constructed in San Bernardino, down from one hundred fifty-nine the previous year.
The three big industries for women in San Bernardino are health care, educational services, and accommodation and food services. For men, it is construction, educational services, and accommodation and food services. The average commute to work is about 28 minutes. More than 11.6% of San Bernardino residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 3.9%, is lower than the state average.
The unemployment rate in San Bernardino is 18.6%, which is greater than California's average of 12.3%.
The percentage of San Bernardino residents that are affiliated with a religious congregation, 42.0%, is less than both the national and state average. Golden Avenue Church, Allen Chapel African Methodist Episcopal Church and Kingdom Hall of Jehovahs Witnesses are among the churches located in San Bernardino. The most prominent religious groups are the Catholic Church, the Southern Baptist Convention and the LDS (Mormon) Church.
San Bernardino is home to the Warm Creek Golf Course and the San Bernardino Public Golf Course as well as Plaza Park and Palm Field Park. Shopping malls in the area include Wildwood Plaza Shopping Center, Highland Avenue Plaza Shopping Center and Mountain Shadows Plaza Shopping Center. Visitors to San Bernardino can choose from American Inn, Best Western Hospitality Lane and American Tex-Chem Corporation for temporary stays in the area.