Insurance Adjuster Jobs 2026: Employers, Trainees, Outlook

Who hires insurance adjusters?

Employer	Share of jobs, 2025
Insurance carriers (except life, health and medical)	35%
Agencies, brokerages and other insurance-related activities	29%
Federal government	13%
Health and medical insurance carriers	7%
State government	3%

These BLS figures cover claims adjusters, examiners and investigators together.

Are there entry-level insurance adjuster jobs?

Yes. BLS says a high school diploma is typically enough to start, though some employers prefer a bachelor's degree or insurance experience. New adjusters handle small claims under an experienced worker's supervision and take on bigger ones over time.

Whether a trainee needs a license depends on the state. BLS notes that in some states company adjusters work under the insurer's license. Georgia doesn't license salaried staff adjusters at all: their insurer registers them each March for $50 each. Florida's 6-20 license covers company employee adjusters as well as independent ones.

How to become an insurance adjuster →

Catastrophe and storm work

Natural disasters such as floods and fires drive demand for property and casualty adjusters, BLS says. Several states have short-term routes for this work:

Texas: a 90-day emergency adjuster license during a disaster, with a sponsor that holds a Texas adjuster license or is a Texas-licensed insurer. No exam or fingerprints. It costs $20, or $50 for nonresidents licensed at home.
Georgia: during a declared disaster, insurers file their adjusters with the Department and get entry permits valid for up to 60 days. After 60 days, a nonresident needs a Georgia license.
Florida: an emergency adjuster license, type 0-70, for residents and nonresidents.
Oklahoma: after a catastrophe the Insurance Commissioner may declare an emergency and issue licenses that cover only claims from that event.
California: during a declared emergency, insurers may register out-of-state adjusters, who must work under a licensed adjuster, qualified manager or insurer.

Can insurance adjuster jobs be remote?

BLS says adjusters and examiners mostly work in offices but also go out to inspect damaged property, while appraisers and investigators work outside more often. Auto damage appraisers spend much of their time at body shops. BLS doesn't say how many adjuster jobs are fully remote, so check each listing.

Independent adjuster jobs

Independent adjusters work for insurers as contractors, either on their own or through an adjusting firm. Florida defines them as self-appointed or appointed and employed by a licensed adjusting firm. Working in other states means nonresident licenses. Texas, for example, issues one for $50 to adjusters with a license in good standing in their home state.

Job outlook

BLS projects employment of claims adjusters, appraisers, examiners and investigators to drop from 389,700 in 2025 to 367,900 in 2035. It says software may take over tasks such as judging damage photos and estimating claims, while more natural disasters could add some demand for field adjusters. All of the projected openings come from replacing people who leave.

Insurance adjuster salary →

Sources: BLS Occupational Outlook Handbook · Georgia OCI · Texas Department of Insurance and 5 more. Checked October 2026.