# Will claims adjusters be replaced by AI? Updated October 2026 Claims adjusters score 56 of 100 for AI exposure. The largest share of their task time, 70%, is work AI speeds up while they stay in charge. AI can take over 27% outright, and 3% stays with people. - **27%** AI can do it - **70%** AI helps - **3%** Needs a person High exposure Higher than 86% of the 923 occupations we scored. ## Task by task We graded 29 tasks, listed here from most to least exposed. AI can do 8 of them today, speeds up 20 and leaves 1 to people. | Task | AI exposure | | --- | --- | | Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation. Routine system entry and file notes; AI does, person spot-checks. | 82% AI can do it | | Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis. Records upkeep and inventory tracking is largely automatable software work. | 78% AI can do it | | Prepare reports to be submitted to company's data processing department. Generating structured reports from claims data is highly automatable. | 75% AI can do it | | Refer questionable claims to investigator or claims adjuster for investigation or settlement. Routing flagged claims by fixed rules is easily automated. | 70% AI can do it | | Conduct detailed bill reviews to implement sound litigation management and expense control. Medical and legal bills checked against rules; reviewer signs off. | 70% AI can do it | [See what AI can take on across a finance team](https://www.aigentcy.com/ai-for/finance/) ## How claims adjusters compare All occupations (923) Business and financial operations (48) **Claims adjusters score 56**, marked by the dark line. Each dot is a score, darker where more occupations share it. The short marks show the averages, 37 for all occupations and 55 for business and financial operations. ## Pay and outlook in the US Median pay $78,000 a year, May 2025 People employed 324,230 in the US, May 2025 Projected change in jobs \-5.5% from 2024 to 2034 ## Skills to build - Write property loss estimates in Xactware Xactimate - Negotiate claim settlements live, in person or on Zoom - Spot-check AI-entered payments and reserves in claim files - Confer with legal counsel on litigated claim files - Hold a state adjuster licence for your claim territory ## Safer roles nearby 5 related occupations with lower scores. - [Compensation specialists54 out of 100](https://www.aigentcy.com/ai-exposure/compensation-specialists/) - [Fraud analysts53 out of 100](https://www.aigentcy.com/ai-exposure/fraud-analysts/) - [Real estate appraisers52 out of 100](https://www.aigentcy.com/ai-exposure/real-estate-appraisers/) - [Lawyers48 out of 100](https://www.aigentcy.com/ai-exposure/lawyers/) - [Administrative law judges54 out of 100](https://www.aigentcy.com/ai-exposure/administrative-law-judges/) ## Questions about claims adjusters and AI Will AI replace claims adjusters? Partly. About 5 in 10 working hours of a claims adjuster's time go to tasks AI can already do, mostly entering claim payments, reserves and new claims, and maintaining claim files. What stays with people is negotiating settlements, attending mediations and trials, and conferring with legal counsel on litigated claims. Which claims adjuster tasks is AI taking over? Entering payments, reserves and new claims into the claim system scores highest, at 82, because it is routine entry into fixed fields with short file notes. Maintaining claim files and inventories scores 78, since records upkeep is software work. Preparing reports for the data processing department scores 75, because structured output is generated directly from claims data. Which claims adjuster tasks stay human? Attending mediations or trials scores lowest, at 8, because it requires being physically present in the room. Negotiating claim settlements scores 22, since AI can model offer ranges but the live exchange stays with the adjuster. Resolving complex claims scores 25, because negotiation and service stay in the adjuster's hands while AI only prepares file summaries. How do claims adjusters stay valuable? Lead the live settlement conversation, since negotiation is the part AI leaves with you. Write and defend Xactware Xactimate estimates for property losses, because scope and pricing judgment sits with you. Spot-check AI-entered payments and reserves in the claim system before you sign off. Present your analysis at claim committee meetings, where presenting and debating stays human. ## Related jobs - [Insurance claims clerks72 out of 100](https://www.aigentcy.com/ai-exposure/insurance-claims-clerks/) - [Eligibility interviewers65 out of 100](https://www.aigentcy.com/ai-exposure/eligibility-interviewers/) - [Customer service representatives74 out of 100](https://www.aigentcy.com/ai-exposure/customer-service-representatives/) - [Tax examiners63 out of 100](https://www.aigentcy.com/ai-exposure/tax-examiners/) ## Next steps for claims adjusters - ### Check your job Your job title is a rough guide. Your actual tasks decide your score. Paste your job description or CV and see which of your tasks AI can do. [Check your job](https://www.aigentcy.com/tools/ai-exposure-checker/) [Check your CV](https://www.aigentcy.com/tools/cv-checker/) ### Check which roles in your team AI can take on We map your team's tasks, show what AI can do today and build the automations that pay back first. [Book an AI audit](https://www.aigentcy.com/audit/) ## Related topics - [**Jobs AI can't replace**Cement masons score lowest, at 8.](https://www.aigentcy.com/ai-exposure/jobs-ai-cant-replace/) - [**Jobs most at risk from AI**Proofreaders score highest, at 76.](https://www.aigentcy.com/ai-exposure/jobs-most-exposed-to-ai/) - [**High-paying jobs with low AI exposure**Radiologists earn a median $420,860 and score 46.](https://www.aigentcy.com/ai-exposure/high-paying-jobs-low-ai-exposure/) - [**Entry-level jobs with low AI exposure**Cement masons need little prior training and score 8.](https://www.aigentcy.com/ai-exposure/entry-level-jobs-low-ai-exposure/) - [**Jobs AI speeds up the most**For natural sciences managers, AI speeds up 96% of task time.](https://www.aigentcy.com/ai-exposure/jobs-ai-speeds-up/) - [**AI and jobs in Malta**15 iGaming roles graded task by task.](https://www.aigentcy.com/ai-exposure/malta/) - [**Skills that keep work human**The skills to build in the jobs AI changes least.](https://www.aigentcy.com/ai-exposure/skills/) - [**Jobs A to Z**Every job we publish, by first letter.](https://www.aigentcy.com/ai-exposure/jobs/) - [**AI exposure by industry**Average scores for 22 occupation groups.](https://www.aigentcy.com/ai-exposure/industries/) - [**Write a CV screening software can read**How applicant tracking systems read a CV, and what to change.](https://www.aigentcy.com/ai-exposure/cv-screening-guide/) - [**AI for businesses**The tasks to automate first in each team and industry.](https://www.aigentcy.com/ai-for/) - [**How we score AI exposure**The grading, the weights and every source.](https://www.aigentcy.com/ai-exposure/methodology/) Occupation data from the O\*NET 30.3 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) and modified by Aigentcy. O\*NET® is a trademark of USDOL/ETA. Wage, employment and projection data from the U.S. Bureau of Labor Statistics. EU occupation names from ESCO, European Commission. AI usage signals from the Anthropic Economic Index (CC BY) and Microsoft Research (CC BY 4.0). [Methodology and sources](https://www.aigentcy.com/ai-exposure/methodology/). Scores © Aigentcy. Quote them with a link to the page.