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AI exposure report

Will AI replace Claims Adjusters, Examiners, and Investigators?

Many of your tasks are within reach of AI. The role will change, so it pays to act now.

Task exposure to today's AI

53/100

High exposure

This is the occupation's typical task mix. Your own score can be up to 30 points higher or lower depending on how you work: routine share, people contact, judgment and how much you already use AI.

Get your personal score

Will AI replace Claims Adjusters, Examiners, and Investigators?

Not entirely. Today's AI tools can take on about 53% of the typical work in this occupation, mostly: examine claims forms and other records to determine insurance coverage. The parts that stay human include: Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.; Investigate and assess damage to property and create or review property damage estimates.; Pay and process claims within designated authority level..

People who learn to use AI for the automatable parts keep the edge. The 3-phase plan below shows where to start.

Which tasks AI can take on

The largest tasks in this occupation, their share of the working week, and how much of each today's AI tools can do.

TaskAutomatable
Examine claims forms and other records to determine insurance coverage.AI already used 80%
Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation. 80%
Analyze information gathered by investigation and report findings and recommendations. 70%
Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures. 62%
Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. 57%
Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio. 45%

+ 23 more tasks (56% of the week) in the full test.

Your human edge

  • Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
  • Investigate and assess damage to property and create or review property damage estimates.
  • Pay and process claims within designated authority level.

AI tools to try

Excel / Sheets with Copilot or GeminiChatGPT / Claude for analysis and draftingAI document extraction (invoices, contracts, forms)

Related roles

A 3-phase AI learning plan

Phase 1

Automate the routine

  • AI for data entry, extraction and reconciliation.
  • Formulas, pivot tables and checks written with AI.
  • Standard emails and documents from templates.

Project

Build an AI prompt and spreadsheet that extract 15 fields from 20 redacted claim forms and repair estimates into a reconciliation sheet, and time it against manual entry.

Phase 2

Analysis and advice

  • Forecasts and variance analysis with AI, checked against the source.
  • Plain-language summaries of numbers for managers or clients.
  • Research rules and regulations with AI, then verify in the original.

Project

Use AI to draft plain-language liability summaries and reserve variance analysis for 10 closed files, then verify every figure and statute citation against the original policy and reports.

Phase 3

Process owner

  • Map and automate a full process with no-code tools (Make, Zapier, Power Automate).
  • Data quality, controls and audit trails for AI-assisted work.
  • Turn saved time into higher-value advisory work.

Project

Map and automate one first-notice-of-loss intake end to end with a no-code tool, adding validation checks and an audit log, and report cycle-time cut over 20 claims.
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