Is being an insurance adjuster a hard job?

It depends on the state and the role. Licensing requirements for adjusters vary widely: some states have few requirements, others require prelicensing education, a licensing exam, or both, and in some states company-employed adjusters can work under the company license. The work involves investigating claims, determining whether the policy covers the loss, and negotiating settlements, and entry-level adjusters start on small claims under supervision. Median pay for claims adjusters, examiners, and investigators was $78,000 in May 2025.