Become an Insurance Claims Investigator | Earn up to $75,000 per year

Are you naturally inquisitive, detail-oriented, and interested in uncovering the truth behind insurance claims?

Get paid to investigate and validate claims for insurance companies.

Imagine a career where you can investigate, analyze, and help prevent fraud—all while working from home. If you enjoy solving puzzles and ensuring justice is served, then a career as a remote insurance claims investigator may be the perfect fit for you.

What is Insurance Claims Investigation?

Insurance claims investigation is the process of reviewing and analyzing insurance claims to determine their validity. Insurance companies employ investigators to ensure that claims are accurate and legitimate, reducing the risk of fraud. Investigators analyze documents, interview witnesses, and assess evidence to ensure the claim aligns with the policyholder’s coverage. They may work on cases involving car accidents, home damage, health insurance, worker’s compensation, and more.

In many cases, investigations are crucial to verifying whether the event being claimed actually happened as reported or if there has been any misrepresentation or exaggeration in the claim.

What is an Insurance Claims Investigator?

An insurance claims investigator is a professional responsible for investigating suspicious or complex insurance claims. Their main role is to gather facts, review documentation, interview claimants or witnesses, and verify the accuracy of the claim. Their work helps insurance companies prevent fraudulent claims and ensures that legitimate claims are properly processed.

Key responsibilities of an insurance claims investigator include:

• Interviewing claimants and witnesses to gather information about the claim.
• Reviewing insurance policies and determining what is covered under the policyholder’s agreement.
• Analyzing evidence such as medical reports, police records, or property damage assessments.
• Conducting surveillance or other forms of investigation to observe potential fraud.
• Collaborating with law enforcement or legal teams in cases where fraud is suspected.
• Preparing reports that summarize their findings and make recommendations on whether to approve or deny the claim.

Many insurance claims investigators work for insurance companies, while others operate as independent contractors or consultants, especially if they have a background in law enforcement or legal investigation.

Who is an Insurance Claims Investigator Career For?

A career as an insurance claims investigator is suited for individuals who:

• Have a strong sense of integrity: Investigators must be able to handle cases fairly and objectively, ensuring justice is served while protecting against fraud.
• Are detail-oriented and analytical: Investigators must scrutinize every aspect of a claim, ensuring no piece of evidence is overlooked.
• Have good communication skills: You will need to interview people, often in sensitive or difficult situations, and prepare detailed written reports for insurance companies.
• Are self-motivated: Many investigations require long hours of research, analysis, and sometimes surveillance. Investigators need to be proactive and determined.
• Have an investigative mindset: If you enjoy solving problems and following leads, this career will allow you to put those skills into action.
• Prefer flexibility: While you can conduct much of your work remotely, you may also need to visit claim sites or conduct field investigations depending on the case.

A background in law enforcement, legal studies, or insurance can be helpful, but many skills can be learned through specialized training programs. This career is great for someone who wants to work independently or from home, managing their own schedule while taking on different cases.

How Much Can You Make?

An Insurance Claims Job Pays: $40,000 to $75,000 per year

The salary of an insurance claims investigator depends on factors such as experience, where you work, and if you are an independent contractor or employed by a company. Here’s a breakdown of potential earnings:

1. Entry-level investigator
   • Average earnings: $40,000 to $55,000 per year
     For those just starting out, working for an insurance company as an in-house claims investigator typically offers a stable salary. With time and experience, earnings can grow as you take on more complex cases.
2. Experienced investigator
   • Average earnings: $55,000 to $75,000 per year
     Investigators with several years of experience or those specializing in high-value or complex cases tend to earn more. Specializing in areas like healthcare fraud or worker’s compensation investigations can also boost your earning potential.
3. Independent contractor or consultant
   • Average earnings: $65,000 to $85,000+ per year
     Those who operate as independent contractors often have higher earning potential, especially if they have a strong reputation or work with multiple insurance companies. Independent investigators can charge higher rates, often between $50 to $150 per hour, depending on the case’s complexity and their level of experience.

Overall, there’s significant room for growth in this career, and experienced or specialized investigators can earn a comfortable living from home. Additional certifications, like a Certified Fraud Examiner (CFE) or certifications in insurance investigation, can also enhance your earning potential.

Where to Find Jobs

1. Sedgwick

Sedgwick is a global leader in claims management, offering remote roles in insurance claims adjusting, intake specialists, and case management. They serve clients in healthcare, property, casualty, and liability sectors, making it a top choice for entry-level and experienced professionals alike.

Payouts:

Remote roles range from $18 to $35/hour, depending on position and experience. Full-time employees also receive benefits.

Requirements:

• High school diploma (college degree preferred)
• Strong communication and computer skills
• Insurance experience is a plus but not always required

Regions Available: United States, Canada, U.K., Australia, and global offices

How to Join:

1. Visit Sedgwick Careers
2. Filter for “Remote” jobs or search for “claims”
3. Submit an online application
4. Complete assessments and virtual interviews

2. Crawford & Company

Crawford & Company is one of the largest independent claims management firms, offering remote jobs for claims adjusters, virtual inspectors, and support staff. They support insurance carriers, corporations, and government entities.

Payouts:

Pay varies by role—entry-level claims processors earn $18–$25/hour, while licensed adjusters can earn $30–$60/hour.

Requirements:

• High school diploma or GED. (Higher education preferred)
• For adjuster roles, a valid license may be required
• Analytical, communication, and organizational skills

Regions Available: North America, Europe, Asia-Pacific, and Latin America

How to Join:

1. Visit Crawford Careers
2. Search for “remote” or “claims” jobs
3. Apply online and complete virtual onboarding
4. Training and support provided depending on the role

3. Progressive Insurance – Remote Claims Careers

Progressive offers full-time remote roles in claims customer service, claims adjusting, and claims support, including specialized roles like auto damage adjusters or injury representatives. Their remote training program is one of the best in the industry.

Payouts:

Entry-level roles start at $20–$25/hour plus bonuses. Full benefits including health, dental, and 401(k).

Requirements:

• Bachelor’s degree or equivalent work experience
• Some roles require state adjuster licenses
• Excellent communication and multitasking skills

Regions Available:

United States only, with location-based restrictions for some jobs

How to Join:

1. Visit Progressive Careers
2. Search for “remote” or “claims” positions
3. Apply and take online assessments
4. Complete virtual interviews and background checks

4. Liberty Mutual – Remote Claims Careers

Liberty Mutual hires remote claims professionals for roles in property, auto, workers’ comp, and disability claims. Their remote team is supported by structured training, and many roles come with flexible hours.

Payouts:

Average pay is $22–$40/hour depending on role and experience. Bonuses and full benefits included.

Requirements:

• Bachelor’s degree preferred, or equivalent experience
• Strong interpersonal and analytical skills
• Some adjuster roles require state licensing

Regions Available:

U.S. only, with some roles limited by state

How to Join:

1. Visit Liberty Mutual Remote Careers
2. Filter jobs by “remote” and search for “claims”
3. Submit your application and complete online assessments
4. Participate in virtual interviews and training

5. UnitedHealth Group (UHG)

UHG regularly hires claims processors, claims representatives, and claims appeals specialists to support its insurance and healthcare services. Many of their roles are 100% remote and offer regular business hours.

Payouts:

Pay ranges from $17 to $28/hour depending on experience and department. This includes health benefits, paid time off, and career advancement.

Requirements:

• High school diploma or higher
• 1+ year of healthcare or insurance claims experience preferred
• Strong data entry and organizational skills

Regions Available: United States

How to Join:

1. Visit UnitedHealth Group Careers
2. Search for “remote” + “claims” jobs
3. Apply online, complete assessments
4. Attend virtual onboarding and training

6. WEX Inc. – Claims & Benefits Support

WEX is a financial technology company offering remote roles in claims processing, benefits reimbursement, and account support for health and wellness plans. Ideal for those looking to work in healthcare-adjacent roles with a focus on accuracy and compliance.

Payouts:

Most roles offer $18–$24/hour plus healthcare benefits and remote perks.

Requirements:

• High school diploma or equivalent
• Detail-oriented and data processing skills
• Comfortable working with benefit and claims platforms

Regions Available: U.S. only

How to Join:

1. Visit WEX Careers
2. Search for remote positions in “claims” or “reimbursement”
3. Apply, complete interviews and remote onboarding

7. TTEC

TTEC (formerly TeleTech) offers remote customer support and claims roles on behalf of healthcare, insurance, and finance companies. If you enjoy talking to people and problem-solving, this is a great entry point into the industry.

Payouts:

Typical hourly rates range from $15 to $22/hour, with paid training and benefits available.

Requirements:

• High school diploma or GED
• Customer service or call center experience preferred
• Tech-savvy with reliable internet and a headset

Regions Available: United States and select international markets

How to Join:

1. Visit TTEC Jobs
2. Search for “remote” and “claims” or “insurance” roles
3. Submit your application and complete virtual assessments
4. Receive training and begin working from home

If you’re organized, patient, and good at handling details, insurance claims work is one of the most stable and scalable remote jobs available today. From call-based support to back-end claims processing and virtual adjusting, there are opportunities for all experience levels—and many companies offer training and benefits.