Claims Adjuster resume keywords and skills

Claims postings split by line of business. A property adjuster posting asks for Xactimate and field inspections, an auto posting asks for liability decisions and total loss handling, and an injury posting asks for medical review and negotiation. All of them name a state license and a caseload. Pick the terms for the lines you have handled, state your pending file count and authority level where you can, and leave other lines off.

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Coverage analysis
Liability determination
Recorded statements
First notice of loss (FNOL)
SIU referrals
Xactimate
CCC ONE
Field inspections
Total loss evaluation
Reserve setting
Bodily injury claims
Settlement negotiation
Subrogation
Litigation management
Catastrophe claims (CAT)
Adjuster license
Guidewire ClaimCenter
Fair claims practices
Associate in Claims (AIC)

Claims Adjuster resume keywords

The bullets are writing models, not anyone's real results. Use a keyword only when you can back it with your own work.

Investigation and coverage

Coverage analysis: The first decision on any claim. Postings want adjusters who read the policy, apply exclusions and endorsements, and write the reasoning in the file.; Completed coverage analysis on homeowners claims, applying policy exclusions and endorsements before issuing payment or denial letters.
Liability determination: Auto and casualty postings ask for it. Say how you established fault, such as statements, police reports and scene photos.; Made liability determinations on about 25 new auto claims a week using statements, police reports and photos.
Recorded statements: A basic investigation step that postings still spell out. Mention who you interviewed, such as insureds, claimants and witnesses.; Took recorded statements from insureds, claimants and witnesses and summarized each in the file notes.
First notice of loss (FNOL): Entry-level and call center postings center on intake. Give your daily call count and what you captured on each.; Handled first notice of loss intake for 30 calls a day, capturing loss facts and setting up each claim file.
SIU referrals: Carriers expect adjusters to flag suspicious claims to the Special Investigations Unit. List the red flags you documented, never accusations.; Documented red flags and made SIU referrals on questionable theft and injury claims.

Estimating and evaluation

Xactimate: The standard estimating software for property claims. Say what you scoped with it, such as roofs, water losses or full interiors.; Wrote Xactimate estimates for wind, hail and water losses averaging $12,000 per claim.
CCC ONE: The auto estimating platform many carriers and body shops use. Mitchell is the common alternative, so name the one you know.; Reviewed body shop supplements and wrote auto damage estimates in CCC ONE.
Field inspections: Field postings want adjusters who climb roofs and meet policyholders. Give the number of inspections you ran in a week.; Completed 15 to 20 field inspections a week, including roofs, with photos and measurements for each file.
Total loss evaluation: Auto postings ask for it by name. Mention valuation reports, title work and salvage handling.; Processed total loss evaluations, including vehicle valuations, lienholder payoffs and salvage assignments.
Reserve setting: Carriers audit reserves closely. Stating that you set and adjusted reserves within your authority shows you understand the financial side.; Set and revised reserves within a $25,000 authority as new information came into each file.
Bodily injury claims: Higher-exposure work that pays more. Describe the injuries, the medical records you reviewed and whether claimants had attorneys.; Evaluated bodily injury claims by reviewing medical records and bills, including files with attorney representation.

Resolution and recovery

Settlement negotiation: Postings want adjusters who close files fairly. Name who you negotiated with and your settlement authority.; Conducted settlement negotiations with claimants and attorneys on injury claims up to $50,000.
Subrogation: Recovering money from the at-fault party matters to carriers. Mention how you identified recovery potential and where you sent the file.; Identified subrogation potential on property and auto files and referred them to the recovery unit with supporting evidence.
Litigation management: Senior postings list it. Describe working with defense counsel, attending mediations and reporting to management.; Handled litigation management on files in suit, directing defense counsel and attending mediations.
Catastrophe claims (CAT): Carriers and independent firms deploy adjusters after hurricanes and hail. List deployments with the event type and your daily claim volume.; Deployed on 3 catastrophe claims assignments after hail and hurricane events, closing 4 to 6 files a day.

Systems, licenses and compliance

Adjuster license: Most states require one. Give the state, the license type such as all-lines, and any non-resident licenses you hold.; Hold a Texas All Lines adjuster license and non-resident licenses in 6 other states.
Guidewire ClaimCenter: A claims system used by many carriers. Postings name it or an in-house equivalent, and managers care most about clean, timely file notes.; Documented every contact, payment and decision in Guidewire ClaimCenter the same day.
Fair claims practices: State laws set deadlines for acknowledging, investigating and paying claims. Showing you met them tells a manager your files pass audit.; Met state fair claims practices deadlines for contact, acknowledgment and payment on a pending of 140 files.
Associate in Claims (AIC): A designation from The Institutes that carriers recognize. List it with the year, or as in progress with the courses you have passed.; Earned the Associate in Claims designation in 2024 while carrying a full caseload.

Claims Adjuster job description for a resume

Common duties written as resume bullets. Keep the ones you did and add your own numbers.

Investigate new claims by contacting insureds, claimants and witnesses and gathering statements, photos and reports.
Review policy language to confirm coverage and explain decisions to policyholders in writing.
Inspect damaged property or vehicles and write repair estimates in Xactimate or CCC ONE.
Determine liability and evaluate damages, then set reserves that reflect the expected cost of each claim.
Negotiate settlements with claimants, attorneys, contractors and body shops within assigned authority.
Document every contact, decision and payment in the claims system as it happens.
Meet state deadlines for acknowledging, investigating and paying claims.
Identify subrogation and fraud indicators and refer files to the recovery or special investigations unit.
Manage a pending inventory of open files and close each claim once the investigation supports a decision.

Claims Adjuster resume summary examples

Entry level

Newly licensed adjuster with a Texas All Lines license and Xactimate training. Three years in a customer service call center handling 50 calls a day, including billing disputes that required reading contract terms. Completed a carrier claims trainee program covering auto and property, and looking for an inside or field adjuster role.

Experienced

Property and casualty adjuster with 8 years handling auto, homeowners and bodily injury claims. Carries a pending of about 130 files with $50,000 settlement authority. Writes Xactimate estimates, takes recorded statements and negotiates with attorneys. Licensed in 7 states, holds the Associate in Claims designation and has worked 3 catastrophe deployments.

Phrases to replace on a claims adjuster resume

Handled insurance claims
Give the line, volume and authority. Handled a pending of 120 auto property damage claims with $15,000 settlement authority.
Excellent negotiation skills
Say who you negotiated with and over what. Negotiated injury settlements with attorneys on files valued up to $50,000.
Provided great customer service
Name the contact standard you met. Contacted every policyholder within 24 hours of assignment and explained coverage in plain terms.

Claims Adjuster resume examples

See these keywords in a full resume, by experience level.

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Claims Adjuster resume keywords FAQ

What keywords should a claims adjuster resume include?

Match the line of business first. Property postings ask for Xactimate, field inspections and coverage analysis. Auto postings ask for liability determination, total loss and CCC ONE or Mitchell. Injury postings ask for medical review and negotiation. Add your license, pending count and authority level. Use only the terms for work you have handled yourself.

Should I list Xactimate on my resume if I am new?

List it if you have completed training or hold a Xactimate certification, and label it honestly, for example as Level 1 certified or as coursework. Carriers test estimating skills during hiring or training. Claiming field experience you do not have will show the first time you scope a roof.

How do I list an adjuster license on a resume?

Put it in a licenses section near the top with the state, license type and expiration date. If you hold non-resident licenses, list the states or give the count. Adjusters who live in a state without licensing often hold a Texas or Florida license as a designated home state license. A pending application can be listed with the exam date.

What skills transfer to a claims adjuster resume from customer service?

Call volume, documentation and handling upset callers transfer directly. So does any work where you read contract or policy terms and explained a decision someone did not like. Write those with numbers. Add your license status and any estimating or insurance coursework, since trainee postings screen for both.

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