Insurance Investigators, Loss Adjusters and Risk Surveyors conduct investigations into insurance claims to ensure their validity, inspect and assess the damage and loss to insured properties and businesses, estimate insurance costs, and inspect insured properties to evaluate conditions affecting underwriting standards.
A Certificate III including at least 2 years of on-the-job training, or a Certificate IV, or at least 3 years of relevant experience is required to work in this job. Even with a qualification, sometimes additional experience or on-the-job training is needed. Registration or licensing may be required.
- examining scenes of incidents resulting in insurance claims to determine causes and effects
- interviewing witnesses and claimants to obtain details required to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and preparing statements and reports
- inspecting damaged buildings, equipment and motor vehicles and estimating the cost of repairs
- estimating business losses resulting from fire, theft and other business disruptions
- reporting the extent of damage and estimated costs to the insurer
- inspecting property, buildings and operations of commercial and industrial establishments to assess physical conditions and work practices
- evaluating the adequacy of security, fire and related systems
- preparing reports and recommending action to reduce risks
- compiling data which influence the determination of premium rates
- Insurance Investigator
- Insurance Loss Adjuster
- Insurance Risk Surveyor
Conducts investigations into insurance claims to ensure their validity. Registration or licensing is required.
Insurance Loss Adjuster (also called Insurance Loss Assessor)
Inspects and assesses the damage and loss to insured property and business, estimates insurance costs, and acts to minimise the cost of claims to an insurance company.
Insurance Risk Surveyor
Inspects items and properties to evaluate conditions affecting underwriting standards, and develops and promotes safety programs.