ADJUSTER - West Virginia Offices of The Insurance Commissioner 2025

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An insurance adjuster, also known as a claims adjuster, is a person who investigates an insurance claim to determine if the insurer should pay for damage or injuries, and if so, how much they should pay.
What is an insurance agent? An insurance agent represents one or more insurance companies and sells their policies for a commission. They can either work full-time at insurance sales for an agency, or as independent contractors.
Each job has different responsibilities and duties. Additionally, an insurance agent has an average salary of $51,936, which is higher than the $51,116 average annual salary of a claims adjuster. The top three skills for an insurance agent include customer service, insurance sales and health insurance.
The most recent U.S. Bureau of Labor Statistics data says that the mean annual wage is $68,270 for all insurance examiners, adjusters, and investigators. The salary range is a pretty big one, though. The BLS finds that most (80%) make roughly between $40,000 and $100,000.
The commissioner of insurance is an appointed position in West Virginia. The governor nominates a candidate to the state Senate, and the state Senate confirms the nominee.
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Not the insurance agent. An insurance adjuster will assess the damage and decide who is responsible. The adjuster usually takes pictures and inspects the damaged property. They will also negotiate the settlement.
License required. (a) No person may act or hold himself, herself, or itself out as a company adjuster, an independent adjuster, or a public adjuster in this state unless the person is licensed in ance with this article or is exempt from licensure under this article.
Insurance commissioners act as advocates for consumer protection, regulators of insurance, and educators who are able to provide consumers with information that pertains to the insurance system within a particular state.

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