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Firefighter at the City of Québec: $52,114 to $101,587 a year in 2026Lieutenant at the City of Québec: $111,744 in 2026Captain at the City of Québec: $121,903 in 2026Firefighter in Montreal: $50,808 to $88,367 a year (2023)Lieutenant in Montreal: $97,202 (2023)Captain in Montreal: $106,041 (2023)SOPFEU forest firefighter: $27.16 an hour in the first yearFirefighter in Quebec, median wage: $40.17 an hourPart-time firefighter in L'Assomption: $24.88 an hour (2025)Part-time firefighter in La Matapédia: $19.28 to $28.56 an hourFirefighter at the City of Québec: $52,114 to $101,587 a year in 2026Lieutenant at the City of Québec: $111,744 in 2026Captain at the City of Québec: $121,903 in 2026Firefighter in Montreal: $50,808 to $88,367 a year (2023)Lieutenant in Montreal: $97,202 (2023)Captain in Montreal: $106,041 (2023)SOPFEU forest firefighter: $27.16 an hour in the first yearFirefighter in Quebec, median wage: $40.17 an hourPart-time firefighter in L'Assomption: $24.88 an hour (2025)Part-time firefighter in La Matapédia: $19.28 to $28.56 an hour
After a fire

Claims adjuster in Quebec: the job, the training and the pay

What a claims adjuster does, the three ways to practise, the AMF certificate in four steps and the median wage of $32.97 an hour.

· Lire en français

After a fire, the firefighter leaves and the claims adjuster arrives. In Quebec, this professional investigates the loss, estimates the damage and negotiates the settlement with the insured. The adjuster holds a certificate from the Autorité des marchés financiers (AMF), Quebec's financial markets regulator. The median wage in Quebec is $32.97 an hour according to Job Bank. This text applies to women and men alike.

What a claims adjuster does

Section 10 of the Loi sur la distribution de produits et services financiers (chapter D-9.2) gives the definition: a claims adjuster is a natural person who, in damage insurance, investigates a loss, estimates the damage or negotiates the settlement.

The Chambre de l'assurance de dommages (ChAD), the professional body for damage insurance, sums up the job in three functions: investigate, estimate and negotiate. The main tasks:

  • investigate the causes of the loss
  • confirm the coverage included in the insurance contract
  • review the police report and the inventory of damaged or stolen property
  • take the statement of the insured and those of witnesses
  • estimate the damage and losses to settle the claim

The definition of a loss, the claim and the restoration work after a loss are covered in other articles on the site.

Three ways to practise

The ChAD distinguishes three situations:

The first two settle the claim on behalf of the insurer. The third represents the insured, who pays the adjuster directly. The public adjuster cannot settle the loss, the ChAD specifies: the public adjuster negotiates on behalf of the insured with the adjuster appointed by the insurer. The public adjuster must give the insured a written contract.

How to become a claims adjuster

The AMF issues the certificate in four steps: minimum training, exams, probationary period and certificate application.

Minimum training

The AMF accepts, among other things:

  • a Quebec diploma of college studies (DEC)
  • an attestation of college studies (AEC) in damage insurance recognized by an agreement between the AMF and a college
  • two university certificates of 30 credits each, or a bachelor's degree, from a Canadian university
  • a high school diploma, with an AMF decision confirming full-time employment for at least 30 months

Exams

A candidate for the full discipline passes four AMF exams. Each category, personal lines or commercial lines, requires three. The passing mark is 60%. A passed exam remains valid for two years.

Probationary period

The trainee then works under the supervision of a certified representative. The probationary period lasts at least 336 hours for the full discipline, at no more than 40 hours a week, within a maximum of 24 weeks. The employer files the authorization request with the AMF.

The certificate application follows. The AMF then examines the candidate's integrity.

What the certificate costs

The AMF's 2026 fee schedule sets three amounts. Reviewing an applicant's file costs $48. Registering for the exams costs $181 for each discipline. The annual certificate fees are $116 per discipline or discipline category. The ChAD adds an annual fee of $380 in 2026, plus taxes.

The AEC and DEC in damage insurance

The AMF publishes the list of colleges whose AEC is recognized, in Quebec City, in Montreal, in the other regions and online. Québec.ca links the job to the AEC in damage insurance and claims adjusting, the AEC in personal damage insurance and claims adjusting and the DEC in financial and insurance services techniques.

At the Cégep de Lévis, the AEC in personal damage insurance lasts 450 hours and is given online, according to the program page consulted on October 11, 2026.

Continuing education and the ChAD

The ChAD's mission is to protect the public by maintaining discipline and overseeing the training and ethics of agents, brokers and claims adjusters.

Each certified professional earns 20 continuing education units (CEUs) per 2-year period. The current period runs from April 1, 2026, to March 31, 2028. At least 3 CEUs deal with compliance, including a mandatory 2-CEU course designed by the ChAD.

A claims adjuster's pay

Job Bank classifies the job in group 12201, insurance adjusters and claims examiners. For Quebec, it gives a low wage of $24.10 an hour, a median wage of $32.97 and a high wage of $49.45. These wages were updated on November 19, 2025. The median wage is $33.80 in the Montreal region and $37.90 in the Outaouais.

Québec.ca publishes similar figures: $24.04 minimum, $32.82 median and $49.48 maximum, based on the average wages from 2023 to 2025. The job profile, updated on June 19, 2026, indicates an annual salary of $62,800 in 2020.

Where the jobs are

Québec.ca counts 7,000 people employed in this group in 2024 and rates the outlook as excellent for 2025-2029 across Quebec. Insurance carriers and related activities account for 93% of jobs. The employers are insurers and adjusting firms.

This text summarizes public documents. It is not legal advice.

Further reading

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Frequently asked questions

What is a claims adjuster?

It is the person who, in damage insurance, investigates a loss, estimates the damage or negotiates the settlement, according to section 10 of the Loi sur la distribution de produits et services financiers. The adjuster holds a certificate from the Autorité des marchés financiers.

What is a claims adjuster's salary in Quebec?

Job Bank gives a median wage of $32.97 an hour in Quebec, between $24.10 and $49.45, in its November 19, 2025 update. Québec.ca gives $32.82 an hour, based on the average wages from 2023 to 2025.

What is an insurance claims adjuster's salary?

Québec.ca indicates an annual salary of $62,800 in 2020 for insurance adjusters and claims examiners in Quebec. Job Bank puts the median wage at $33.80 an hour in the Montreal region and $35.00 an hour in Canada.

What studies do you need to become a claims adjuster?

The AMF accepts a Quebec diploma of college studies, an AEC in damage insurance that it recognizes, two university certificates of 30 credits or a bachelor's degree. It also accepts a high school diploma with at least 30 months of full-time employment.

How do you become a claims adjuster?

You must complete the AMF's four steps: minimum training, exams, probationary period and certificate application. The full discipline requires four exams passed at 60% and a probationary period of at least 336 hours.

How much does a claims adjuster cost?

An insured who hires a public claims adjuster does so at their own expense, the ChAD writes. This adjuster must offer the choice between a percentage and an hourly rate. No official source consulted publishes a rate.

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