In this post, I’ve included an insurance claims cover letter sample (see below). I have a few words of caution before you proceed.
First, it’s important to customize the content so you write a great cover letter that works for you.
Second, use the below cover letter tips and the example to help guide you for writing your letter. Yet, know that the below may not be ideal for each position you apply to. Every job advertisement is different, so don’t fall into the trap of believing that a one-size-fits-all cover letter is the best approach.
Job Duties For Claims Professionals
The job responsibilities of Insurance Claims Representatives varies slightly, yet most often, includes tasks you might expect.
- Investigate Claims & Claims Paperwork
- Interview Insured & Other Claimants
- Determine Cause of Damage (e.g., Accident, Natural Disaster)
- Verify Coverage & Policy Restrictions
- Inspect Assets (e.g., Vehicles and Homes)
- Adjust Claims/Losses
- Manage & Deter Further Risks
[Related Resource: Here’s a list of resume keywords for Insurance Claims Managers]
Outlook For Professionals in Insurance Claims
The average salary for claims specialist is between $40,000 and $50,000, according to Indeed’s salary tool. While the Bureau of Labor Statistics *(BLS) claims the median salary is more like $65,670 for adjusters, appraisers, and so on.
Unlike other career fields, the job outlook for claims adjusters is expected to show little change over the coming years.
The scope of insurance claims have changed due to natural phenomenons caused by sinkholes and climate change (e.g., mass flooding).
Alternative Job Roles to Claims
For those who just aren’t sure a claims specialist position is for them, there are similar job roles that could be a good fit.
For example, estimators, inspectors, and assessors could be ideal jobs for you.
Estimators generally work inhouse and don’t go in the field often, or at all. Those who estimate claims are the number crunchers who give estimates for restoring assets. Estimates could include replacement, or outline the time, resources, manpower, and materials needed to restore the asset back to a usable state.
Inspectors are more on the investigations side of the industry, determining the cause of damage. Damages could be caused by weather anomolies, owner negligence, fraud, and so on. Inspectors focus more on the validity and facts about the incident behind the claim.
Assessors and appraisers determine the value of a particular assets, which could include a home, vehicle, and jewelry. The value of an asset is determined in part by it’s importance, exclusivity, cost to replace, market value, and so on.
There are “related” job roles to consider as well, such as:
- Safety/Risk Specialists
- Workers’ Comp Examiners
- Litigation Consultants
- Liability Claims Examiners/Managers
Q&As About Cover Letter Writing
What cover letter format is best?
Cover letters follow a business letter format. So, keep your letter to one page, use approximately four paragraphs, and follow the best writing practices, from the opening to the closing paragraph.
I write more about using a business format with cover letters in this post (see about 20% down the post). I outline what to do with the first paragraph, second paragraph, and subsequent sections of your cover letter.
What if I don’t have any tranferrable skills relevant to claims?
Writing a cover letter does get tricky when you don’t have position-specific skills; however, it’s still doable.
For example, be sure to highlight any experience you have in insurance.
Tranferrable skills could include customer service, client account resolution, intake coordination, administrative and team support.
Do I need to submit a cover letter?
Hiring managers and recruiters are mixed about cover letters. Some want a cover letter, while some do not.
Doing a quick Indeed search, I found 120,000+ employers requesting a cover letters to their job openings. This means, cover letters aren’t dead just yet.
What core elements should my cover letter have?
List the position you are applying for. This seems obvious, however, many jobseekers forget this important detail.
Personalize your letter by writing about what you know about the company. Ideally, you won’t want to use the below letter “as is” because it’s not personalized to any specific employer.
Introduce yourself and reiterate your skills from the resume.
But, write key points that are important to the employer too. Remember, it’s not just about you.
Regurgitate skills from the job description that match your skills and abilities. Utilize a conversational writing style and add some personal touch to your content.
Invite hiring managers and recruiters to call you. Or, email works too … although less successful.
Avoid using the typical “dear sir or madam” or “to whom it may concern” when humanly possible.
The best approach is to have a person’s name to address your letter of application. If you don’t have a name, search LinkedIn for the potential employer.
Then, do an advanced search for the HR Manager or Department Manager.
How do I get noticed over other candidates?
Over the years, jobseekers have used different techniques:
- Handwritten Letters
- Used Novelty Letter Medium (e.g., Jean Patch)
- Added Graphics
- Introduced Emojis
- Unusual Font / Font Size
- Unique Layout (e.g., Infographic Style)
These techniques could work for the right industry and/or audience.
Yet, strategies like these could backfire too, so be careful.
Example Cover Letter For Insurance Claims Representatives
Victoria A. Claims
33 Woolery Lane, Dayton, OH 45415
(937) 542-3987 | [email protected]r.com
Copyright 2019 Resume to Referral, Professional, Executive Resume Service
City, State Zip
RE: Insurance Claims Representative [Job Opening on Monster.com]
As a 5-year veteran of the insurance industry, I’ve been an Insurance Claims Representative with some of the best insurance carriers in the industry. I understand industry concepts, practices, and procedures.
Within claims, I’ve worked with those involved in claims management, including estimators, investigators, medical personnel, and claims adjusters. I’m also part of an internal team that works on broadening the staff’s mediation skills to alleviate those “sticky” situations that can sever business-to-claimant (B2C) relationships.
If you are seeking a person with extensive experience, in-depth knowledge of claims processing functions, while utilizing a company’s policies and procedures, then I am the right person for this job.
Let’s connect over the next few days. This enables me to answer any follow-up interview questions you might have. And, will give me a chance to learn more about the needs of your claims department.
You can contact me at (253) 854-8031 to schedule an interview. I look forward to hearing from you.
Victoria A. Claims