Technical Adjuster (Insurance companies, damage assessment companies)
ぎじゅつあじゃすたー
Industry & Occupation
Classification
Summary
A profession that investigates accident and disaster sites based on claims from insurance policyholders, calculates damage amounts, and determines insurance payments.
Description
Technical Adjusters belong to insurance companies or damage assessment companies. Upon receiving damage insurance claims from policyholders, they visit accident or disaster sites to conduct investigations. They confirm the damage situation through photography, interviews, and document collection, and calculate damage amounts for buildings, vehicles, machinery, and other equipment. Based on the obtained information, they create estimates and reports, providing materials for determining payment approval and amounts. They also coordinate and negotiate with related parties (such as policyholders, repair shops, insurance sales staff, and underwriters) to resolve disputes. Acquisition of specialized knowledge and understanding of laws and insurance policies are required. In recent years, efficient investigation methods using AI and drones are being introduced.
Future Outlook
With the increase in natural disasters and emerging risks, there is demand for specialized assessment techniques and rapid, high-precision assessments utilizing digital technologies. It is expected that the adoption of on-site investigation support tools such as AI and drones will advance.
Personality Traits
Cautious and accurate / Curious and inquisitive / Excellent communication skills / Objective / Strong sense of responsibility
Work Style
Flexitime / Frequent business trips / Head office work / Project-based
Career Path
Junior Adjuster → Senior Adjuster → Chief Adjuster → Risk Management Department → Non-life Insurance Sales and Underwriter → Independent Freelance Adjuster
Required Skills
Accident Site Investigation / Damage Assessment / Document Preparation / Stakeholder Coordination and Negotiation Skills / Understanding of Insurance Products and Contract Terms
Recommended Skills
Data Processing / Negotiation Skills / Photography and Image Processing / Specialized Knowledge in Architecture, Machinery, and Electricity
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | To logically analyze accident information and evidence to accurately calculate damage amounts. |
| Attention to Detail & Accuracy | Because it is necessary to accurately assess without overlooking minute damages or evidence. |
| Numerical & Quantitative Analysis | Because numerical processing is frequently performed in damage amount calculations and estimate preparation. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because standardized damage assessment methods are emphasized over unique idea generation. |
Related Qualifications
- Completion of Damage Insurance University Course
- Damage Insurance Agent Qualification
Aliases
- Damage Adjuster
- Technical Appraiser
Related Jobs
- Damage Appraiser
- Insurance Sales
- Insurance Underwriter
- Risk Management