25 Claims Adjuster Interview Questions (with Answers)

Claims Adjuster Interview Questions

1.

As a claims adjuster, you will face clients in distress. How will you handle communication with individuals in distress?

2.

Being a claims adjuster can be stressful. How can we motivate you, even on the toughest days?

3.

When would you be available to start?

4.

What questions do you have for me?

5. Tell me about your leadership qualities. The interviewer would like to know what you consider to be strong leadership qualities. When describing leadership qualities, try to avoid general terms and give some unique ideas. A great leader is someone who people naturally want to follow. They have exceptional interpersonal skills and the ability to build relationships with nearly any personality type. A respected leader will take ownership of their mistakes and will always lead their team by example. True leaders see the importance of motivating others and recognizing even the smallest achievements. Which of these qualities do you most identify? Example #1: "I like to lead by example and set high expectations for my team. I make sure expectations are clear and that the team receives regular feedback so they know they are valued and how they can improve. I also like to allow time for things like awards and shout-outs to create camaraderie. Overall, I would describe my leadership style as committed, motivating, positive, and honest." Example #2: "Although I have not yet been in an official leadership role, I believe I lead effectively by showing others respect regardless of their position or title, creating an open environment in which everyone knows that feedback is welcome, and setting achievable but high expectations for myself at all times." Example #3: "I have taken many workshops and courses to improve my leadership skills over the years. My leadership qualities are best summed as dedicated, attentive, and motivating. I like to recognize my teams' small wins because that motivates them to continue achieving."6. Do you always double check or proofread your work? As a claims adjuster, submitting accurate work is incredibly important. The interviewer would like to know if you are the type to proofread your work before submitting it. Assure the interviewer that you are diligent when it comes to providing good, clean, and reliable work. Example #1: "Spelling and grammatical errors are a pet peeve of mine. I will triple check my work if there is time! I feel that it is essential to submit error-free work, especially as an adjuster." Example #2: "During my time in university, I had to submit error free papers, often under high amounts of pressure and tight deadlines. Triple checking my work is a habit at this point." Example #3: "I try to, but in today's quick response age, I know that I send emails with mistypes sometimes. I concentrate very well on reports and presentations, and I do ask other people to review important letters or emails before sending them." Here is an anonymous answer example: "spelling and grammar errors are a pet peeve of mine, and i always proofread my work before submitting it. it is important to customers that we cross our t's and dot our i's." In response to the anonymous answer example, here is what Rachelle Enns said: The more precise your work, the more your customers will trust you. You make an excellent point here! Here is an anonymous answer example: "i always proofread my work before submitting it. handling claims require accuracy & it is important for our customers that we are precise & maintain professionalism." In response to the anonymous answer example, here is what Rachelle Enns said: You make an excellent point regarding how important accuracy is for your customers and the overall perception. Nice answer! Here is an anonymous answer example: "yes as an inspector i definitely double-check and proofread my work before i send it in especially on personal lines and commercial lines due to the simple fact that submitting the reports has to be accurate at all times for the reviewer’s in the underwriters' understanding." In response to the anonymous answer example, here is what Cindy Ramsey said: That's a good rationale. Talk about your process as well. How do you make sure your work is error-free?7. How do you handle a larger than average workload? The interviewer wants to be assured that you can handle the workload required of you as a claims adjuster and that you will not become overwhelmed if/when workloads unexpectedly increase. When workloads increase, stress levels do too. How do you react? Example #1: "When I have a large workload on my plate, I do not stress over the tasks that are in front of me. Rather, I make a simple plan of which tasks are a high priority and which tasks are a lower priority. The higher priority tasks, I complete first. Through this system, I can focus on my tasks individually, rather than stress out by the multitude of tasks ahead of me." Example #2: "Here are some suggestions on how to handle a large workload: - List your tasks and prioritize them - Think of which functions add to the company's bottom line, and start there (Closest to the money!) - Exhale. Relax for a minute and collect yourself - Organize your tasks by which ones you can complete independently and which ones you need help with - Take sufficient breaks, so you do not exhaust yourself - Communicate your struggles with your leadership or team" Example #3: "My workload is packed but consistent. The only time it gets hectic is if we've had a lot of assessments and I've gotten behind in my files. My work schedule leaves no room for error; I have an endless amount of claims to get through. So, I'm used to having an incredibly full workload." Here is an anonymous answer example: "when faced with a large workload, i review the tasks at hand and prioritize them handling the most critical first. this way, i can make sure i am making the most efficient use of my time." In response to the anonymous answer example, here is what Rachelle Enns said: This is a very good approach to handling a large workload. Try also to include any tools or apps that you use to keep your tasks on track. Here is an anonymous answer example: "i handle a larger than average workload but i’ve placed the ones of higher priority first getting them completed to get the claims closed out then working the ones of lower priority to get those completed." In response to the anonymous answer example, here is what Cindy Ramsey said: Great. A system of priority is key to managing a heavy workload. Do you have an example you can share that shows the interviewer how you make decisions about priority?8. Are you comfortable contacting physicians regarding claims involving injuries? The interviewer would like to know if you bring experience with engaging physicians in your claims. As a claims adjuster, it is essential to be professional and organized as you will be required to communicate with other professionals such as physicians. Talk to the interviewer about a time where you had to work directly with a doctor on a claim. Example #1: "Just last week I was asked to research a claim which called for a conversation with the physician. I was able to simply relay the information to him, and he confirmed and denied any parts of the claim. I find that with physicians, you need to be fast paced and concise in your communication as they are swamped." Example #2: "I have not worked at this level, as of yet, however; I am confident in my abilities to speak with physicians concisely and professionally. I would gladly accept any additional training in this area from your senior adjusters. I come willing to learn and improve!" Example #3: "Yes, I have worked with physicians on many claims during my nine-year career as an adjuster. I am more than comfortable speaking with professionals at any level. With physicians, I have found that you need to be well-organized and to the point. Showing respect for their extraordinarily busy days is key to communication with them." Here is an anonymous answer example: "i am very comfortable contacting physicians. i have worked on many files that require detailed written orders & i reached out daily to physicians to obtain them. also, i would reach out to physicians to clarify injuries & diagnoses to make sure we were fulfilling the request with the correct items & scheduling the correct exams." In response to the anonymous answer example, here is what Rachelle Enns said: Great examples of your related work. Your response is confident and to the point. Well done.9. How well do you understand the insurance industry? The interviewer would like to know about your level of understanding when it comes to the insurance and claims industry. Assure the interviewer that you are capable of doing this job well. Highlight how long you have been exposed to the insurance industry and how you keep up to date on industry-related changes. Example #1: "I have a strong understanding of the industry from working as an Adjuster for the past four years. I like to keep up to date on new policies and industry related changes to ensure that I am always on top of things at work." Example #2: "I am newer to the insurance industry; however, recently graduated with my Bachelor of Science in Business Administration. During this time, I learned a great deal about how insurance works. I understand the importance of accurate claims and am confident that I would be a fantastic adjuster." Example #3: "I am an expert in the insurance industry and have trained upwards of fifteen new claims adjusters, over my ten-year career. I would consider myself a subject matter expert in the area of general insurance and liability laws." Here is an anonymous answer example: "i have a broad knowledge of the insurance industry from the internal customers to the external customers and the ultimate customer who are the end-users. the agent or producer submits a policy request. the line underwriter reviews the policy and recommends coverage. once the coverage is recommended the underwriter sends the policy request back to the producer or agent who then submits the policy to the end-user the policyholder." In response to the anonymous answer example, here is what Cindy Ramsey said: Ok, good. This is a broad question that can be answered in any number of ways, including discussing trends in the industry or recent changes. You can enhance your answer by showing a broad-based understanding of the industry drawn from your reading or other knowledge sources.10. How would you describe your relationship with your clients? Do you value your client and customer relationships? How do you nurture them to ensure that they are happy and continue to come back? Talk to the interviewer about your strategy for building strong customer and client relationships. Example #1: "My customer and client relationships are best described as open and honest. I believe that the more upfront and transparent you are with your clients, the more likely they are to return. I most definitely value my clients and am sure to nurture those relationships as much as possible." Example #2: "As I am newer to my career as a claims adjuster, I have only had a handful of clients, so I spend a lot of time working with them. Because of my level of focus and support, I get along very well with them." Example #3: "I have strong relationships with my clients and customers. I treat them with respect and am sure to utilize their feedback in ways that make myself, and the claims process, better." Here is an anonymous answer example: "i have worked in claims for 13 years, and unfortunately, sometimes customers have more than one accident. i have been called and asked to be their adjuster for their subsequent accidents because they felt that i handled their claims fairly in a friendly manner." In response to the anonymous answer example, here is what Rachelle Enns said: Being asked to work with them again must be a very nice compliment - a true testament to your great work! Here is an anonymous answer example: "my customers & clients are important to me. a happy client helps me achieve my goals & creates/maintains company revenue by creating more referrals. my relationships can be best described as open & honest. i have found the more upfront i was with my clients & setting clear expectations resulted in the client having confidence i will get the job done. i will leverage this same philosophy with state farm customers by providing honest and well-researched answers to their questions." In response to the anonymous answer example, here is what Rachelle Enns said: These are all great ways to develop strong client relationships. Here is an anonymous answer example: "my relationships with my clients i will consider are open and honest for the simple fact that we can talk to each other about anything and give each other genuine feedback." In response to the anonymous answer example, here is what Cindy Ramsey said: Ok, good start. Reflect a bit on what a client wants from the relationship and how you'll fulfill their expectations. Is there a customer service component that you can discuss?11. What types of claims related programs and software are you well versed in? When it comes to the claims related programs and software that you are proficient in, you should have these keywords on your resume; however, be prepared to expand on your level of expertise in the interview. You could rate yourself from 1-10 or use words such as beginner, intermediate, advanced, and expert. Example #1: "For industry related software, I am an expert level user in CaseWorks Pro, FileTrac, and Logickull. Additional programs that I am well versed in include Excel, PowerPoint, and Word. My technical skills are strong, and I am confident that I can learn any of your programs quickly." Example #2: "I have advanced skills in Microsoft Office Suite; however, being new to this industry, I do not have exposure to claims or insurance related programs. I am eager to learn and can get a head start through online tutorials if you'd like." Example #3: "I have seen many advancements in insurance related software over the years and am trained in a variety of them including FileTrac, Record360, and CaseWorks. I am advanced in learning new systems. Could you share with me the programs that you use here?" Here is an anonymous answer example: "i am proficient in microsoft office suite & salespad, however, being new to this industry i do not yet have exposure to programs or software related to claims or insurance." In response to the anonymous answer example, here is what Rachelle Enns said: This is a good approach. To finish up your response, I recommend asking a question related to their programs/software. I have offered an example below. In response to the anonymous answer example, here is a revised answer from Rachelle Enns: "I am proficient in Microsoft Office Suite & Salespad; however, being new to this industry, I do not yet have exposure to programs or software related to claims or insurance. Could you share with me the programs and software used in this role? I would be happy to gain a head start by watching online tutorials." Here is an anonymous answer example: "i am well-versed with exacta mate as i have previously taken a four-day comprehensive training course. exacta mate teaches you the fundamentals and a comprehensive overview of how to use the software." In response to the anonymous answer example, here is what Cindy Ramsey said: Great! Have you since applied that knowledge? You may include details about using the software to demonstrate proficiency.12. What are you currently working on for self development? Self-development is very important and a good hiring manager will want to know that you are capable of seeing a need for growth and improvement in your own personal and professional, life. Discuss with the interviewer the steps that you are currently taking for self development. This can include physical activity, reading, a hobby, meditation, committing to more family time, etc. Example #1: "I am a big proponent of self-development. Currently, I am committing to reading a new development related book every month. It's been very helpful for me but also allows me to relax a bit more in my off time." Example #2: "Great question! My favorite way to invest in myself is to listen to a podcast on my drive home every day. These podcasts will range from comedic to topics of self-reflection." Example #3: "I am a huge fan of TED Talks and will listen to one each day while I cook dinner for my family. These talks help me to remain creative in my personal and professional life." Here is an anonymous answer example: "i am currently working on having less screen time at home and spending more time with my family and being more present at the moment." In response to the anonymous answer example, here is what Rachelle Enns said: This is a fabulous goal where everyone wins :) Here is an anonymous answer example: "spending more time with my family & being more present in the moment." In response to the anonymous answer example, here is what Rachelle Enns said: These are all important life factors to address! How do you ensure that you are more present in the moment? What is your approach, and how will this help you in the workplace? Here is an anonymous answer example: "i am an enthusiast on educating myself and at the moment i am currently enrolled in the institute cpcu courses to further my education in the insurance property and casualty landscape." In response to the anonymous answer example, here is what Cindy Ramsey said: Great. The commitment to take courses will definitely impress the interviewer. What motivated you to sign up for courses? What are you learning that will help persuade the interviewer that you can do the job well?13. Are you comfortable contacting legal council regarding claims involving injuries or crime? The interviewer would like to know if you bring experience with engaging legal professionals in your claims. As a claims adjuster, it is essential to be professional and organized as you will be required to communicate with other professionals. Talk to the interviewer about a time where you had to work directly with anyone involved in law while investigating a claim. As a claims adjuster, you will spend time speaking with legal counsel on claims that may be larger or more complex. Assure the interviewer that you can handle a task such as this. Example #1: "I have had some exposure in dealing with legal counsel, including working with a couple of prosecutors on a fraudulent claim that I had a couple of years ago. I am trained and prepared to handle higher-level tasks involving legal." Example #2: "Just last week I was asked assist on a claim which called for a conversation with the claimant's lawyer. It was a great learning experience for me as I shadowed the senior claim adjuster and took a lot of notes in regards to his communication methods." Example #3: "Yes, I have worked with legal professionals on many claims during my nine-year career as an adjuster. I am more than comfortable speaking with professionals at any level. With lawyers, I have found that you need to be well-organized and to the point." Here is an anonymous answer example: "yes, i am comfortable contacting legal counsel regarding claims for the simple fact that legal counsel is considered an external customer who will bridge the gap in order to get a claim closed out within a timely fashion." In response to the anonymous answer example, here is what Cindy Ramsey said: Great. You may want to expand on how you gained a comfort level working with legal or why you're comfortable. Have you had to consult with legal in the past? How have you prepared or how have they helped you work through a problem? Here is an anonymous answer example: "i am comfortable contacting legal professionals. working with workers' compensation files during my previous employment, many claimants had legal council & therefore, i would have to speak with their counsel regarding ancillary health service needs to fulfill their prescription." In response to the anonymous answer example, here is what Rachelle Enns said: Excellent! It seems you would breeze through these types of tasks with ease.14. Tell me why you are the right fit for our claims adjuster position. A successful hire needs to feel like the right fit for both parties. By researching the company before your interview, you are telling the hiring manager that you are interested in the position. Discuss with the interviewer some of the points that stood out to you during your research. Example #1: "I have researched your company online; including your website, online reviews, and on glassdoor.com. Some of the points that stuck out to me were that your agency is very community-minded, puts its customers first, and you reward your employees for their dedication. These are all traits that I am looking for in my next place of employment." Example #2: "I am good at what I do, motivated, and I am excited to put my recent education to work for your esteemed organization. Your branch offers an exciting opportunity for me to hit the ground running in a career as a claims adjuster and I won't let you down!" Example #3: "I feel that I am the right fit for this company because, from what you have described, my personality, skills, and drive are what you are looking for in your next claims adjuster. The challenges that come with this position are all challenges that I welcome. I am confident that this is the right fit for both of us." Here is an anonymous answer example: "well as you saw my resume that i was philosophically sound for the position i have completed five programs geared toward the fundamentals of being a sound claim adjuster." In response to the anonymous answer example, here is what Cindy Ramsey said: Ok, good start. This question presents a good opportunity to explain your experience and how it would contribute to the position you seek. I would recommend briefly explaining what you learned from these courses and how they've prepared you. Here is an anonymous answer example: "i am passionate about helping people. i recently obtained my ga adjuster license & i'm excited to put my customer service experience to work for state farm. state farm offers an exciting opportunity to begin my career as a claims associate & i'm eager to leverage my experience to advance state farm's mission." In response to the anonymous answer example, here is what Rachelle Enns said: This is a clear overview as to why you are a fantastic fit. If possible, try to sprinkle in some information regarding your past successes and achievements related to this work.15. When you have difficulty persuading someone to your point of view, what do you do? Do you consider yourself to have a convincing personality? Are you a confident negotiator? Talk to the interviewer about your ability to persuade others to see your point of view. Example #1: "As a claims adjuster, my judgment is often questioned by clients who may not like the conclusion that I have come to on their file. This is where strong persuasion skills must come in. I need to be able to show the client my findings and assure them that the assessment is fair. I do so simply by stating the facts and taking emotion out of it." Example #2: "I have written many persuasion pieces during my time in university. I believe that this experience, coupled with my growing understanding of the insurance industry, will equal great persuasion and negotiations skills in no time!" Example #3: "They say a great negotiation is when both parties feel they have gained something and lost something. When I need to persuade someone to see my side, I will focus on what they are gaining and what I am losing based on their agreeance. I have been in the claims industry for twelve years now, so my deep knowledge base helps to lend itself to my persuasion skills as well." Here is an anonymous answer example: "as a claims adjuster, it is very common that, unfortunately, someone does not agree with your decision or offer on the claim. if negotiating a settlement, i start at the bottom of my range to allow for the flexibility to compromise with the customer. i also explain the reasoning for the value that i am offering. if the customer understands why i am offering the value, they are more likely to compromise." In response to the anonymous answer example, here is what Rachelle Enns said: Great answer, and a very good approach. If you have any training in negotiations or persuasive selling, this would be a great time to mention that training. Here is an anonymous answer example: "i take the time to listen to the customers' concerns before interjecting my position. once the customer has been able to express their concerns, i will go through the reason for the decision in a way that they will understand." In response to the anonymous answer example, here is what Rachelle Enns said: This is a wonderful approach, and very smart! Good answer. Here is an anonymous answer example: "as a customer service supervisor, it is common that i will have escalated calls from a customer who does not agree with a product or service provided. i start by explaining the rationale based on what is covered & the value of the product or service provided. if the customer understands the value, they are more willing to accept." In response to the anonymous answer example, here is what Rachelle Enns said: Value-based sales/customer service is a very important skill! Do you have any formal training on this topic that you could mention in your response? Here is an anonymous answer example: "i will simply walk them through the dice method letting them understand policy language and how i came up with a fair value for the loss." In response to the anonymous answer example, here is what Cindy Ramsey said: Ok, that's great that you have a method, but will the interviewer be familiar with the dice method? You'll probably want to explain it to make sure, and then describing through example will help it make sense.16. Would you say you are a better verbal or written communicator? In which manner do you prefer to communicate - written or verbal? Discuss your preference with the interviewer and support your answer. Example #1: "I prefer verbal communication because I feel that with written communication, a lot can be misread due to lack of tone, fluctuation, expression and body language. I will always choose a face to face conversation whenever possible." Example #2: "I do not lean one way or another when it comes to verbal or written communication. Both are equally important to me. If I have to choose just one, I will choose written communication as one can always look back on written communication for reference." Example #3: "I like to leverage both methods of communications when dealing with business. Sometimes, situations call for verbal communications and other times, written. As a rule of thumb, I tend to practice verbal communications, with written follow up or vice versa. Utilizing multiple methods creates repetition and therefore, change." Here is an anonymous answer example: "i am comfortable with both as situations are different. if i have verbal communications, i tend to follow with written to recap our discussion topics and what was agreed to. this way, the written communication offers a chance for clarification if something said may have been misinterpreted." In response to the anonymous answer example, here is what Rachelle Enns said: Clear interpretation is very important. If possible, try offering up an example of a time when your clear communication (one for verbal and one for written) made a difference in the workplace.17. Have you ever broken a confidentiality agreement? Companies will have confidentiality agreements for a variety of reasons. These could be to protect their trade secrets or to ensure that you do not bring clients over on the occasion that you leave their company. Talk to the interviewer about your thoughts on confidentiality agreements. Example #1: "I never have, to my knowledge, broken a confidentiality agreement. Despite my reasons for leaving a position, I would never choose to hurt a previous employer in any way." Example #2: "No. I have only once had a confidentiality agreement and had no problem adhering to it." Example #3: "Confidentiality agreements are necessary and important to protect an insurance organization. I understand the need for confidentiality and take those factors very seriously. I have never broken the trust of my employer." Here is an anonymous answer example: "no, i have never broken the trust of my employer. i understand the importance of protecting an organization & i have no issues adhering to confidentiality agreements." In response to the anonymous answer example, here is what Rachelle Enns said: Good! To the point and professional. Here is an anonymous answer example: "i have never broken a confidential agreement as i know it will undermine the lack of integrity as well as undermine my character." In response to the anonymous answer example, here is what Cindy Ramsey said: Very good. I like your approach to the question, namely that it's not just a legal agreement but a matter of professional integrity. Good job!18. What are your salary expectations? The best way to discuss your salary expectation is to use your current earnings as an example. Be open, and honest. Transparency is the best choice when salary based questions arise. Example #1: "Currently, I earn a base salary of $45,000 per year plus a potential 20% annual bonus. Last year my earnings were $52,000, and I would like to stay in the same range or slightly higher." Example #2: "As I am new to my career and this industry, I am happy to negotiate my earnings based on your typical salary for this role." Example #3: "I am currently making $80,000 per year with two bonus opportunities based on the cases that I have closed and successfully negotiated. I am looking for compensation that is aligned with the role and provides an opportunity for growth." Here is an anonymous answer example: "although money is important, my main goal is to find a position where i can advance my career. i'm confident that you'd make me an offer that's fair to what i would bring to your organization." In response to the anonymous answer example, here is what Rachelle Enns said: This is a nice way of approaching the salary question. To be a touch more helpful to the interviewer, you could also discuss your previous salary or hourly wage to offer a baseline. Here is an anonymous answer example: "i currently earn about $28-$30,000 a year from the position that i’m applying for are based on the credentials that i have and with those credentials, i am looking to have a competitively higher salary you guys offer 56,000 a year which i think is great for the position in the credentials that i have and it definitely meets the cost of living in orlando florida today." In response to the anonymous answer example, here is what Cindy Ramsey said: Discussing salary expectations is challenging. Below is a revision that you can use as a template to revise yours. In response to the anonymous answer example, here is a revised answer from Cindy Ramsey: "My salary expectations align with what you are offering for the position. I believe that $56,000 is a fair salary for the qualifications you seek. It is also in line with the cost of living in my state."19. We are asking for 8 years of industry experience and you have just 5. Why do you think you are qualified for this position? To many employers, the number of years' experience is flexible - so long as you have the results to show for the years that you do have. Talk to the interviewer about your major career successes. This is the time to sell yourself. Make no apologies for your lack of years! Example #1: "Although I have five years' experience vs. 8 years' experience, as a claims adjuster, I can do this job well. In my previous role, I was outperforming colleagues who had 12 years of experience. To me, it's all about drive and ability to be a quick study. I have all of these qualities and more." Example #2: "I believe that my blend of education and previous experience in insurance sales would amount to a great deal of valuable experience. I applied to this role knowing that I could make a big impact for your organization. I plan to begin studying for this role immediately so that I can make a difference from day one." Example #3: "Along with my five years working in this industry, I have worked in related industries my entire career. Also, I hope that my graduate degree gives me a little boost in experience over the required undergraduate degree." Here is an anonymous answer example: "i believe that my previous experience being exposed to workers' compensation would amount to a great deal. along with my completion of the pre-licensing course, completing the state exam & obtaining my license would make a big impact for state farm & this will allow me to begin focusing on this role immediately so that i can make a difference right out of training." In response to the anonymous answer example, here is what Rachelle Enns said: Fantastic work in qualifying yourself! If you have grades to share related to your pre-licensing course, be sure to include this as well. Other helpful pieces of information would include words from previous performance reviews and tangible results from past roles (achievements, accolades, KPI's, etc.).20. When have you taken an existing process and used your own creativity to make it better? Are you given the creative freedom to improve existing processes? Talk to the interviewer about your ability to take an existing process and develop it creatively. Example #1: "Last month my supervisor asked me to take our existing adjuster training package and improve it. My goal was to make the system more engaging for new recruits. Once we implemented my ideas, we increased our new trainee retention rate by 16%. I was quite proud of what my creativity could do!" Example #2: "I do not go into a position looking to make changes for the sake of change, but I do look creatively at processes and look for ways to improve efficiency and reduce costs. I will present any creative thoughts to my manager to see if they are do-able." Example #3: "I like to use my creativity when it comes to new software and time management processes. Recently I made some recommendations for team messaging applications and project management software that would streamline our claims processes. These suggestions are currently under review." Here is an anonymous answer example: "when our claims were completed, we would contact the customers to ensure they were satisfied as well as send a closing email. we had a script for the email, but i started to personalize the email tailored to each customer. with that, i received more responses and successfully maintained exceptional customer service results via customer surveys. many times being mentioned by name!" In response to the anonymous answer example, here is what Rachelle Enns said: This is a fantastic example of thinking outside of the box and reaching customers in a new way. Excellent work! Here is an anonymous answer example: "in fact, i inspected a restaurant about two months ago and i walked into the kitchen and on the floor was water and spilled food and on the hood filters, there was grease all over so i informed the manager of the restaurant that i will give him 24 hours to clean the restaurant and set a task list on the wall in the kitchen stating daily duties of every employee to keep the kitchen and floors clean and have all employees wear slip-resistant shoes. within 24 hours i went back to the restaurant to find that the filters are clean the task sheet was implemented and the floors were free of water and debris." In response to the anonymous answer example, here is what Cindy Ramsey said: Good! It sounds like your process worked. However, be sure to tell the interviewer which part of this process was your own creative approach. Was recommending a task list or providing more direction to the restaurant owner your enhancement? Why did the existing process need this additional improvement? Was this your way of helping the owner succeed rather than penalizing him or her?21. Tell me about yourself. When an interviewer asks an open-ended question like this, it can be difficult to know where to begin...and end! This question haunts many individuals who may accidentally go a little too in-depth into their personal lives. It happens. Keep your reply light, and work relevant. You can also share how you became interested in a career within claims and what you enjoy about it. This question offers an excellent opportunity to describe yourself by discussing the strengths and qualities that you bring. Example #1: "I am a very straightforward, detail-oriented person with great communication skills. I think these things help me a great deal in this role. I have 5+ years experience as a claims adjuster and I enjoy the challenge of the work. I like to work on behalf of patients and help them resolve disputes. I have been in their position myself, so I know the amount of stress they can sometimes feel. I am also an avid reader and I have been in a book club with some good friends for several years now. I also love to try out new recipes and get creative in the kitchen. I am excited for this new opportunity with your company; I think my experience and skillset will add value and assist your team." Example #2: "I am a very active individual who loves to workout and goes to the mountains on the weekend. I feel that my level of activity on my off time greatly improves my work during the week. I have a high amount of energy to offer!" Example #3: "I would say that I am both analytical and creative, I'm extroverted at times, but like to hunker down and work on my own to knock out my deadlines. When not at work, I love attending musicals, museums, and traveling. Not only is it something I love, but also I think it helps me expand my horizons on how I approach my day to day work." Here is an anonymous answer example: "i always felt that i maintained an open-door relationship with my team. my engagement & supportive leadership led to increased employee retention." In response to the anonymous answer example, here is what Rachelle Enns said: Your answer is very work relevant, which is a good start. You can also discuss what sparked your interest in this career and perhaps a dash of what you do in your personal time. This well-rounded approach can help you to make a connection with the interviewer.22. What is the most important thing you are looking for in your next company? The interviewer wants to make sure they can offer what you are looking for in your next position. What are you missing from your current company? What aspects of this business excite you? Take your answers from these two questions, and you have a perfect response! Example #1: "The most important thing for me is to continue growing my knowledge in the claims industry. I am currently not receiving the opportunity for training and growth which has created an element of stagnancy in my current role. What excites me about your organization is that you have continued education programs and tuition reimbursement for pre-approved insurance courses. The fact that you invest in the growth of your employees is amazing." Example #2: "One of the most important things I am looking for in a company is an organization that values its associate's growth from within. Companies that offer internal training and development programs for advancement appeal to me over those who do not." Example #3: "I am looking for a company that I can stick with for the long haul. I want a company that values its employees promotes from within and keeps evolving with the times. I am leaving a company after over a decade of employment, so I value loyalty and somewhere with career advancements." Here is an anonymous answer example: "one of the most important things i am looking for in a company is an organization that values its associate's growth from within. companies that offer continuing education & training appeal to me the most." In response to the anonymous answer example, here is what Rachelle Enns said: Very clear delivery! Knowing what you want in an employer helps you to make the best decisions. When it comes to this specific hiring company, be sure to add in what you know about their growth offering, continued education, and training opportunities. Here is an anonymous answer example: "the next company that employs me i am looking for a comprehensive benefits package for someone that has long-term benefits someone that has stable employment and someone that i can retire from." In response to the anonymous answer example, here is what Cindy Ramsey said: All important priorities! Take a look at the rewrite below. Make sure this is the kind of company and position that can fulfill these goals so the interviewer knows the company can keep you happy once hired. Also, try to reflect on how you can contribute to the company as well with your own unique skills and talents. In response to the anonymous answer example, here is a revised answer from Cindy Ramsey: "I am looking for a position in a company that can use my talents to their fullest potential since I want to make a long-term impact. Of course, a comprehensive benefits package like the one you offer is important but equally important is to find a place I can thrive within, contribute to, and form a long-term relationship with."23. Have you progressed in your claims career as you have expected? Career progression can be a touchy subject, especially if you feel that your career hasn't progressed as well as you would have liked. Talk to the interviewer about your career progression and what you would like to see in your future as a claims adjuster. Example #1: "Overall, my career has progressed a touch slower than I would have liked. I have held a couple of positions that didn't offer the growth and learning that I was expecting; however, I have bounced back nicely. I feel that this particular position would take my career exactly where it should be." Example #2: "I am pleased with the progress of my claims career since graduating university. I am proud of my accomplishments and the opportunities presented to me so far. I've had some great mentors in this industry." Example #3: "Overall, I am satisfied with my career progression in the claims industry. Everyone, including me, hits roadblocks or setbacks, but I have been able to push through them and stay on track." Here is an anonymous answer example: "i am pleased with the opportunity to begin my claims career with state farm, and i am confident i will naturally progress with state farm if selected." In response to the anonymous answer example, here is what Rachelle Enns said: Confident, and well put. This is a perfect way to answer if you are coming from a different role/industry. Here is an anonymous answer example: "i have not been offered a claim adjuster position yet i am an insurance inspector, but the moment i am offered a claim adjusting position i will set out to exceed expectations and thrive toward continuing education to increase my skills." In response to the anonymous answer example, here is what Cindy Ramsey said: You have the foundations of a persuasive answer here, but try framing it a little differently. If you don't have the claims experience per se, what discrete experience do you have that makes you a good candidate? What about being an insurance inspector has contributed to your knowledge of being a claims adjuster?24. Where do you see yourself in 5 years? Hiring a new team member is a time consuming and often expensive endeavor for a company. It's impossible to know where you will be in 5 years but you should assure the interviewer that, given all possible circumstances, you could see yourself as a long-term fit for their adjuster position. Example #1: "I see a lot of opportunities for career growth and advancement with your organization. For that reason, I would like to spend the next five years working into a role with a more prominent management component." Example #2: "In five years I would like to be well-respected in the claims industry and have a few new certifications on topics such as liability laws and strategic claims negotiations." Example #3: "In five years I would like to be seen as an authority in the insurance industry. I would like to be well-connected and trusted when it comes to my work here and be heavily involved in the training of new adjusters on topics such as liability laws and industry ethics." Here is an anonymous answer example: "i want to be well respected in the claims industry & gain new certifications on liability and successful negotiations." In response to the anonymous answer example, here is what Rachelle Enns said: These are excellent goals to set, especially coming into a new industry. If possible, try to give a genuine indicator that you plan to be with the company during this 5-year plan. Here is an anonymous answer example: "in five years i see myself as a complete adjuster someone who has been learn the fundamentals and became greater at skills and highly educated in the insurance landscape for property and casualty claims." In response to the anonymous answer example, here is what Cindy Ramsey said: Good. Below is a suggested rewrite for your consideration. You may also want to think about career growth. Is there a higher-level position that you aspire to within the industry? In response to the anonymous answer example, here is a revised answer from Cindy Ramsey: "Within five years of becoming an adjuster, I would like to have mastered the fundamentals of the job and gained a greater level of skill and experience in the discipline. I enjoy a challenge and I also enjoy learning, so I would educate myself in the property and casualty claims aspects of insurance to become as knowledgeable as possible. "25. Tell me about your post-secondary education. What was your best course, and which one gave you the most difficulty? A junior claims adjuster may have just a High School Diploma and on the job training. If you'd like to have a specific concentration then you may need a Bachelor's Degree in a Business concentration. Talk to the interviewer about your best coursework, and the most challenging, if you have attended post-secondary education. Example #1: "My best course while obtaining my Bachelor's of Business Administration was Business, Society, and Ethics. I feel it was my best course because Sociology and Ethics are fascinating topics for me. I found my most challenging course to be Management Strategy simply because I don't have a lot of experience in management." Example #2: "I am looking to gain on the job experience in addition to my high school diploma. I have signed up for some online courses including 'The Ethical Practices of an Adjuster.' Are there any other courses that you'd like to see me take before starting with your organization?" Example #3: "My first start as a claims adjuster was strictly on-the-job training. However, since my start eighteen years ago, I have taken many professional development workshops and courses including Strategic Claims Negotiations, Understanding Punitive Damages, and the National Flood Adjuster Training Program."

5.

Tell me about your leadership qualities.

6.

Do you always double check or proofread your work?

7.

How do you handle a larger than average workload?

8.

Are you comfortable contacting physicians regarding claims involving injuries?

9.

How well do you understand the insurance industry?

10.

How would you describe your relationship with your clients?

11.

What types of claims related programs and software are you well versed in?

12.

What are you currently working on for self development?

13.

Are you comfortable contacting legal council regarding claims involving injuries or crime?

14.

Tell me why you are the right fit for our claims adjuster position.

15.

When you have difficulty persuading someone to your point of view, what do you do?

16.

Would you say you are a better verbal or written communicator?

17.

Have you ever broken a confidentiality agreement?

18.

What are your salary expectations?

19.

We are asking for 8 years of industry experience and you have just 5. Why do you think you are qualified for this position?

20.

When have you taken an existing process and used your own creativity to make it better?

21.

Tell me about yourself.

22.

What is the most important thing you are looking for in your next company?

23.

Have you progressed in your claims career as you have expected?

24.

Where do you see yourself in 5 years?

25.

Tell me about your post-secondary education. What was your best course, and which one gave you the most difficulty?

Claims Adjuster Interview Questions

As a claims adjuster, you will face clients in distress. How will you handle communication with individuals in distress?

Claims Adjuster Interview Questions

As a claims adjuster, you will face clients in distress. How will you handle communication with individuals in distress?

Being a claims adjuster can be stressful. How can we motivate you, even on the toughest days?

When would you be available to start?

What questions do you have for me?

Tell me about your leadership qualities.

Do you always double check or proofread your work?

How do you handle a larger than average workload?

Are you comfortable contacting physicians regarding claims involving injuries?

How well do you understand the insurance industry?

How would you describe your relationship with your clients?

What types of claims related programs and software are you well versed in?

What are you currently working on for self development?

Are you comfortable contacting legal council regarding claims involving injuries or crime?

Tell me why you are the right fit for our claims adjuster position.

When you have difficulty persuading someone to your point of view, what do you do?

Would you say you are a better verbal or written communicator?

Have you ever broken a confidentiality agreement?

What are your salary expectations?

We are asking for 8 years of industry experience and you have just 5. Why do you think you are qualified for this position?

When have you taken an existing process and used your own creativity to make it better?

Tell me about yourself.

What is the most important thing you are looking for in your next company?

Have you progressed in your claims career as you have expected?

Where do you see yourself in 5 years?

Tell me about your post-secondary education. What was your best course, and which one gave you the most difficulty?