In the world of insurance claims, not all adjusters wear hard hats or climb on roofs. In fact, many work from behind a computer screen. Whether you’re new to the industry or considering training with MileHigh Adjusters Houston, it’s important to understand the difference between Desk Adjusters and Field Adjusters — because both roles are critical to the claims process, and both offer unique opportunities for career growth.
🛠️ What Does a Field Adjuster Do?
Field adjusters are the boots-on-the-ground professionals. They travel to loss sites, inspect damage firsthand, and meet with policyholders to document everything needed for an accurate estimate. These adjusters work independently, often in high-pressure environments like hurricane zones, hail-struck neighborhoods, or wildfire-damaged regions.
Key Responsibilities:
- Perform on-site inspections
- Take photos and measurements
- Interview policyholders
- Write detailed damage estimates (often using tools like Xactimate)
- Upload reports and communicate with desk adjusters and carriers
Pros of Field Adjusting:
✔ High earning potential (especially during catastrophe deployments)
✔ Travel opportunities
✔ Greater independence and flexibility
✔ Hands-on experience with real-world damage
Challenges:
✖ Long hours, often in tough weather or post-disaster conditions
✖ Requires physical stamina and the ability to climb roofs
✖ Must be highly organized on the go
💻 What Does a Desk Adjuster Do?
Desk adjusters work remotely — often from home or an office — and handle claims virtually. They rely on reports, photos, and documentation submitted by field adjusters to complete or review claims. They may also work directly with policyholders and contractors to process or negotiate settlements.
Key Responsibilities:
- Review inspection reports and photos
- Communicate with field adjusters, contractors, and policyholders
- Finalize and issue settlements
- Handle re-inspections, disputes, and supplemental claims
- Ensure compliance with carrier guidelines and timelines
Pros of Desk Adjusting:
✔ Steady work without travel
✔ Less physically demanding
✔ Great for detail-oriented individuals
✔ Often available year-round, not just during catastrophe events
Challenges:
✖ Requires strong communication and computer skills
✖ Workload can be heavy during peak seasons
✖ Less variety or field exposure compared to field adjusting
Which Role is Right for You?
At MileHigh Adjusters Houston, we prepare you for both paths — and many of our graduates do both throughout their careers. Some start in the field to gain hands-on experience, then transition to desk adjusting for a more stable, home-based workflow. Others prefer the action and income potential of the field.
Things to consider:
- Do you enjoy travel and hands-on work? → Field Adjusting might be your lane.
- Do you prefer structure, stability, and remote work? → Desk Adjusting could be ideal.
- Want the best of both worlds? Many adjusters do both, depending on season and opportunity.
Final Thoughts
Whether you choose to work in the field, at a desk, or a mix of both — the insurance adjusting industry offers freedom, flexibility, and serious earning potential. At MileHigh Adjusters Houston, we don’t just teach you how to estimate claims — we help you understand the entire landscape of your future career.
Ready to get trained and start building your future as an independent adjuster?
📍 Houston-Based, Nationwide Opportunities
📅 Monthly Hands-On Boot Camps
🛠️ Xactimate, Field Training, Mock Claims & More
👉 Reserve Your Spot Today
📞 281-741-8505
🌐 www.milehighadjustershouston.com
MileHigh Adjusters Houston
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