Horn Appraisal Service

Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much.

Claims adjusters, appraisers, examiners, and investigators typically do the following:

• Investigate, evaluate, and settle insurance claims
• Determine whether the insurance policy covers the loss claimed
• Decide the appropriate amount the insurance company should pay
• Ensure that claims are not fraudulent
• Contact claimants' doctors or employers to get additional information on questionable claims
• Confer with legal counsel on claims when needed
• Keep claims files, such as records of settled claims and an inventory of claims requiring detailed analysis
• Negotiate settlements
• Authorize payments

What insurance adjusters, examiners, and investigators do varies by the type of insurance company they work for. They must know a lot about what their company insures. For example, workers in property and casualty insurance must know housing and construction costs to properly evaluate damage from floods or fires. Workers in health insurance must be able to determine which types of treatments are medically necessary and which are questionable. 

Some claims adjusters work as self-employed public adjusters.

Often, they are hired by claimants who prefer not to rely on the insurance company's adjuster. The goal of adjusters working for insurance companies is to save as much money for the company as possible. The goal of a public adjuster working for a claimant is to get the highest possible amount paid to the claimant.

Sometimes, self-employed adjusters are hired by insurance companies in place of hiring adjusters as regular employees. In this case, the self-employed adjusters work in the interest of the insurance company.

Adjusters inspect property damage to determine how much the insurance company should pay for the loss. The property they inspect could be a home, a business, or an automobile.

They interview the claimant and witnesses, inspect the property, and do additional research, such as look at police reports. Adjusters may consult with other workers, such as accountants, architects, construction workers, engineers, lawyers, and physicians, who can offer a more expert evaluation of a claim.

They gather information--including photographs and statements, either written or recorded audio or video--and put it in a report that claims examiners use to evaluate the claim. When the examiner approves policyholder's claim, the claims adjuster negotiates with the claimant and settles the claim.

If the claimant contests the outcome of the claim or the settlement, adjusters work with attorneys and expert witnesses to defend the insurer's position.

Appraisers estimate the cost or value of an insured item. Most appraisers who work for insurance companies and independent adjusting firms are auto damage appraisers. They inspect damaged vehicles after an accident and estimate the cost of repairs. This information then goes to the adjuster, who puts the estimated cost of repairs into the settlement.

Claims examiners review claims after they are submitted to ensure that proper guidelines have been followed by claimants and adjusters. They may assist adjusters with complicated claims or when, for example, a natural disaster occurs and the volume of claims increases.

Most claims examiners work for life or health insurance companies. Examiners who work for health insurance companies review health-related claims to see whether the costs are reasonable, given the diagnosis. After they review the claim, they authorize appropriate payment, deny the claim, or refer the claim to an investigator.

Examiners who work for life insurance companies review the causes of death and pay particular attention to accidents, because most life insurance companies pay additional benefits if a death is accidental. Examiners also may review new applications for life insurance policies to make sure the applicants have no serious illnesses that would make them a high risk to insure.

Insurance investigators handle claims in which the company suspects fraudulent or criminal activity such as arson, staged accidents, or unnecessary medical treatments. The severity of insurance fraud cases varies, from claimants overstating vehicle damage to complicated fraud rings. Investigators often do surveillance work. For example, in the case of a fraudulent workers' compensation claim, an investigator may covertly watch the claimant to see if he or she does activities that would be ruled out by injuries stated in the claim.

Appraisers and assessors of real estate estimate the value of real property--land and the buildings on that land-- before it is sold, mortgaged, taxed, insured, or developed.

Appraisers and assessors of real estate typically do the following:

• Verify legal descriptions of real estate properties in public records
• Inspect new and existing properties, noting unique characteristics
• Photograph the interior and exterior of properties
• Use “comparables,” or similar nearby properties, to help determine value
• Prepare written reports on the property value
• Prepare and maintain current data on each real estate property                             

Appraisers and assessors work in localities that they are familiar with so that they know any environmental or other concerns that may affect the property's value.

Appraisers typically value one property at a time, and they often specialize in a certain type of real estate. For example,

• Commercial appraisers specialize in property used commercially, such as office buildings, stores, and hotels.
• Residential appraisers focus on appraising property in which people live, such as duplexes and condominiums, and appraise only those that house one to four families.

When estimating a property's value, appraisers note unique characteristics of the property and surrounding area, such as a noisy highway nearby. They also consider the condition of a building's foundation and roof or any renovations that may have been done. In addition to photographing the outside of the building to document its condition, appraisers might also photograph a certain room or feature. After visiting the property, the appraiser estimates the value of the property by considering things such as comparable home sales, lease records, location, view, previous appraisals, and income potential. During the entire process, appraisers meticulously record their research, observations, and methods used in calculating the property's value.

Assessors mostly work for local governments and value properties for property tax assessments. Unlike appraisers, who generally focus on one property at a time, assessors often value an entire neighborhood of homes at once by using mass appraisal techniques and computer-assisted mass appraisal systems.

Assessors must be up-to-date on tax assessment procedures. Taxpayers sometimes challenge the assessment because they feel they are being charged too much for property tax. Assessors must be able to defend the accuracy of their property assessments, either to the owner directly or at a public hearing.

Assessors also keep a database of every property in their jurisdiction, identifying the property owner, assessment history, and size of the property, as well as property maps detailing the property distribution of the jurisdiction.

Environmental engineers use the principles of engineering, soil science, biology, and chemistry to develop solutions to environmental problems. They are involved in efforts to improve recycling, waste disposal, public health, and control of water and air pollution. They also address global issues, such as safe drinking water, climate change, and sustainability.

Environmental engineers typically do the following:

• Prepare, review, and update environmental investigation reports
• Design projects leading to environmental protection, such as water reclamation facilities, air pollution control systems, and operations that convert waste to energy
• Obtain, update, and maintain plans, permits, and standard operating procedures
• Provide technical support for environmental remediation projects and legal actions
• Analyze scientific data and do quality-control checks
• Monitor progress of environmental improvement programs
• Inspect industrial and municipal facilities and programs to ensure compliance with environmental regulations
• Advise corporations and government agencies about procedures for cleaning up contaminated sites

Environmental engineers conduct hazardous-waste management studies in which they evaluate the significance of the hazard and advise on treating and containing it. They also design municipal water supply and industrial wastewater treatment systems and research the environmental impact of proposed construction projects. Environmental engineers in government develop regulations to prevent mishaps.

Some environmental engineers study ways to minimize the effects of acid rain, global warming, automobile emissions, and ozone depletion. They also collaborate with environmental scientists, planners, hazardous waste technicians, engineers, and other specialists, such as experts in law and business, to address environmental problems and sustainability. For more information, see the job profiles on environmental scientists and specialists, hazardous materials removal workers, lawyers, and urban and regional planners.

Curators oversee collections, such as artwork and historic items, and may conduct public service activities for an institution. Museum technicians and conservators prepare and restore objects and documents in museum collections and exhibits.

Curators, museum technicians, and conservators typically do the following:

• Acquire, store, and exhibit collections
• Select the theme and design of exhibits
• Develop or set up exhibit materials
• Design, organize, or conduct tours and workshops for the public
• Attend meetings and civic events to promote the institution
• Clean objects using cleansers, solvents, and soap solutions
• Direct and supervise curatorial, technical, and student staff
• Plan and conduct special research projects

Many objects and documents are important or historically significant. Curators, museum technicians, and conservators preserve and organize the display of these materials.

The following are occupational specialties:

Curators manage museums, zoos, aquariums, botanical gardens, nature centers, and historic sites. The museum director often is a curator. Curators direct the acquisition, storage, and exhibit of collections, including negotiating and authorizing the purchase, sale, exchange, or loan of collections. They also may authenticate, evaluate, and categorize the specimens in a collection.

Curators often oversee and help conduct the institution's research projects and related educational programs.

Today, an increasing part of a curator's duties involves fundraising and promotion, which may include writing and reviewing grant proposals, journal articles, and publicity materials. In addition, many curators attend meetings, conventions, and civic events.

Most curators specialize in a particular field, such as botany, art, or history. Those who work in large institutions may be highly specialized. A large natural history museum, for example, might employ separate curators for its collections of birds, fishes, insects, and mammals.

Some curators take care of their collections, some do research related to items in the collection, and others do administrative tasks. In small institutions with only one or a few curators, one curator may be responsible for a number of tasks, from taking care of collections to directing the affairs of the museum.

Museum technicians, commonly known as registrars, help curators by preparing and taking care of museum items. Registrars also may answer questions from the public and help curators and outside scholars use the collections.

Conservators manage, preserve, treat, and document works of art, artifacts, and specimens--work that may require substantial historical, scientific, and archaeological research. Conservators document their findings and treat items to minimize their deterioration or to restore them to their original state.

Conservators usually specialize in a particular material or group of objects, such as documents and books, paintings, decorative arts, textiles, metals, or architectural material. They use x rays, chemical testing, microscopes, special lights, and other laboratory equipment and techniques to examine objects, determine their condition, and decide on the best way to preserve them.

In addition to their conservation work, conservators participate in outreach programs, research topics in their specialty, and write articles for scholarly journals. They may be employed by a museum or other institution that has objects needing conservation, or they may be self-employed and have several clients.

Archivists appraise, edit, and maintain permanent records and historically valuable documents. Many perform research on archival material.

Archivists typically do the following:

• Create and maintain accessible computer archives and databases
• Organize and classify archival records to make it easy to find materials
• Authenticate and appraise historical documents and archival materials
• Provide reference services and help for users
• Direct workers who help arrange, exhibit, and maintain collections
• Safeguard records by copying to film, videotape, disk, or computer formats
• Preserve and maintain documents and objects
• Set and administer policy guidelines concerning public access to materials
• Locate new materials and direct their acquisition and display

Archivists preserve many documents and records for their importance, potential value, or historical significance. Most archivists coordinate educational and public outreach programs, such as tours, workshops, lectures, and classes. Some work with the boards of institutions to administer plans and policies. In addition, archivists may research topics or items relevant to their collections.

Some archivists specialize in an area of history, such as colonial history, so they can more accurately determine which records in that area should be kept and should become part of the archives. Archivists also may work with specialized forms of records, such as manuscripts, electronic records, websites, photographs, maps, motion pictures, or sound recordings.

Archivists usually use computers to generate and maintain archival records. Professional standards for handling electronic archival records are still evolving. However, computer capabilities will continue to expand and more records will be stored and exhibited electronically, providing both increased access and better protection for archived documents.

Archives technicians help archivists organize, maintain, and provide access to historical documentary materials.