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Cost estimators collect and analyze data to estimate the time, money, resources, and labor required for product manufacturing, construction projects, or services. Some specialize in a particular industry or product type.

Cost estimators typically do the following:

• Consult with industry experts to discuss estimates and resolve issues
• Identify and quantify cost factors, such as production time and raw material, equipment, and labor expenses
• Travel to job sites to gather information on materials needed, labor requirements, and other factors 
• Read blueprints and technical documents to prepare estimates
• Collaborate with engineers, architects, owners, and contractors on estimates
• Use sophisticated computer software to calculate estimates 
• Evaluate a product's cost effectiveness or profitability
• Recommend ways to make a product more cost effective or profitable
• Prepare estimates for clients and other business managers
• Develop project plans for the duration of the project

Accurately predicting the cost, size, and duration of future construction and manufacturing projects is vital to the survival of any business. Cost estimators' calculations give managers or investors this information.

When making calculations, estimators analyze many inputs to determine how much time, money, and labor a project needs, or how profitable it will be. These estimates have to take many factors into account, including allowances for wasted material, bad weather, shipping delays, and other factors that can increase costs and lower profitability.

Cost estimators use sophisticated computer software, including database, simulation, and complex mathematical programs. Cost estimators often use a computer database with information on the costs of other similar projects.

General contractors usually hire cost estimators for specific parts of a large construction project, such as estimating the electrical work or the excavation phase. In such cases, the estimator calculates the cost of the construction phase for which the contractor is responsible, rather than calculating the cost of the entire project. The general contractor usually also has a cost estimator who calculates the total project cost by analyzing the bids that the subcontractors' cost estimators prepared.

Some estimators are hired by manufacturers to analyze certain products or processes.

The following are the two primary types of cost estimators:

Construction cost estimators estimate construction work. More than half of all cost estimators work in the construction industry. They may, for example, estimate the total cost of building a bridge or a highway. They may identify direct costs, such as raw materials and labor requirements, and set a timeline for the project. Although many work directly for construction firms, some work for contractors, architects, and engineering firms.

Manufacturing cost estimators calculate the costs of developing, producing, or redesigning a company's goods and services. For example, a cost estimator working for a home appliance manufacturer may determine whether a new type of dishwasher will be profitable to manufacture.

Some manufacturing cost estimators work in software development. Many high-technology products require a considerable amount of computer programming, and the costs of software development are difficult to calculate.  

Two other groups also sometimes do cost estimating in their jobs. Operations research, production control, cost, and price analysts who work for government agencies may do significant amounts of cost estimating in the course of their usual duties. Construction managers also may spend considerable time estimating costs. For more information, see the profiles on operations research analysts and construction managers.

Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much.

Claims adjusters, appraisers, examiners, and investigators typically do the following:

• Investigate, evaluate, and settle insurance claims
• Determine whether the insurance policy covers the loss claimed
• Decide the appropriate amount the insurance company should pay
• Ensure that claims are not fraudulent
• Contact claimants' doctors or employers to get additional information on questionable claims
• Confer with legal counsel on claims when needed
• Keep claims files, such as records of settled claims and an inventory of claims requiring detailed analysis
• Negotiate settlements
• Authorize payments

What insurance adjusters, examiners, and investigators do varies by the type of insurance company they work for. They must know a lot about what their company insures. For example, workers in property and casualty insurance must know housing and construction costs to properly evaluate damage from floods or fires. Workers in health insurance must be able to determine which types of treatments are medically necessary and which are questionable. 

Some claims adjusters work as self-employed public adjusters.

Often, they are hired by claimants who prefer not to rely on the insurance company's adjuster. The goal of adjusters working for insurance companies is to save as much money for the company as possible. The goal of a public adjuster working for a claimant is to get the highest possible amount paid to the claimant.

Sometimes, self-employed adjusters are hired by insurance companies in place of hiring adjusters as regular employees. In this case, the self-employed adjusters work in the interest of the insurance company.

Adjusters inspect property damage to determine how much the insurance company should pay for the loss. The property they inspect could be a home, a business, or an automobile.

They interview the claimant and witnesses, inspect the property, and do additional research, such as look at police reports. Adjusters may consult with other workers, such as accountants, architects, construction workers, engineers, lawyers, and physicians, who can offer a more expert evaluation of a claim.

They gather information--including photographs and statements, either written or recorded audio or video--and put it in a report that claims examiners use to evaluate the claim. When the examiner approves policyholder's claim, the claims adjuster negotiates with the claimant and settles the claim.

If the claimant contests the outcome of the claim or the settlement, adjusters work with attorneys and expert witnesses to defend the insurer's position.

Appraisers estimate the cost or value of an insured item. Most appraisers who work for insurance companies and independent adjusting firms are auto damage appraisers. They inspect damaged vehicles after an accident and estimate the cost of repairs. This information then goes to the adjuster, who puts the estimated cost of repairs into the settlement.

Claims examiners review claims after they are submitted to ensure that proper guidelines have been followed by claimants and adjusters. They may assist adjusters with complicated claims or when, for example, a natural disaster occurs and the volume of claims increases.

Most claims examiners work for life or health insurance companies. Examiners who work for health insurance companies review health-related claims to see whether the costs are reasonable, given the diagnosis. After they review the claim, they authorize appropriate payment, deny the claim, or refer the claim to an investigator.

Examiners who work for life insurance companies review the causes of death and pay particular attention to accidents, because most life insurance companies pay additional benefits if a death is accidental. Examiners also may review new applications for life insurance policies to make sure the applicants have no serious illnesses that would make them a high risk to insure.

Insurance investigators handle claims in which the company suspects fraudulent or criminal activity such as arson, staged accidents, or unnecessary medical treatments. The severity of insurance fraud cases varies, from claimants overstating vehicle damage to complicated fraud rings. Investigators often do surveillance work. For example, in the case of a fraudulent workers' compensation claim, an investigator may covertly watch the claimant to see if he or she does activities that would be ruled out by injuries stated in the claim.

Automotive service technicians and mechanics, often called service technicians or service techs, inspect, maintain, and repair cars and light trucks.  

Automotive service technicians and mechanics typically do the following:

• Test parts and systems to ensure that they are working properly
• Identify mechanical problems, often by using computerized diagnostic equipment
• Follow checklists to ensure that all critical parts are examined
• Test and lubricate the vehicle's engine and other major components
• Perform basic care and maintenance, including oil changes, tuneups, and tire rotations
• Repair or replace worn parts, such as brake pads and wheel bearings
• Disassemble and reassemble parts
• Use testing equipment to ensure that repairs and maintenance are effective
• Explain to clients their automotive problems and the repairs done on their vehicles

Service technicians work on traditional mechanical components, such as engines, transmissions, belts, and hoses. However, they must also be familiar with a growing number of electronic systems. Braking, transmission, and steering systems, for example, are controlled primarily by computers and electronic components.

Other integrated electronic systems, such as accident-avoidance sensors, are becoming common as well. In addition, a growing number of technicians are required to work on vehicles that run on alternative fuels, such as ethanol and electricity.

Service technicians use many different tools, including computerized diagnostic tools and power tools such as pneumatic wrenches, lathes, welding torches, and jacks and hoists. These tools usually are owned by their employers.

Service technicians also use many common handtools, such as pliers, wrenches, and screwdrivers, which generally are their own. In fact, experienced workers often have thousands of dollars invested in their personal tool collection.

Service technicians sometimes specialize in a particular type of repair that may be subject to specific regulations or procedures. For instance, those focused on air-conditioning system repairs must follow federal and state regulations governing the handling, recycling, and disposal of refrigerants.

In some shops, technicians may specialize. The following are types of service technicians:

Automotive air-conditioning repairers install and repair air conditioners and service parts, such as compressors, condensers, and controls. They are trained in government regulations related to their work.

Brake repairers adjust brakes, replace brake linings and pads, and make other repairs on brake systems. Some technicians specialize in both brake and front-end work. 

Front-end mechanics align and balance wheels and repair steering mechanisms and suspension systems. They frequently use special alignment equipment and wheel-balancing machines.

Transmission technicians and rebuilders work on gear trains, couplings, hydraulic pumps, and other parts of transmissions. Extensive knowledge of computer controls, the ability to diagnose electrical and hydraulic problems, and other specialized skills are needed to work on these complex components.

Tune-up technicians adjust ignition timing and valves and adjust or replace spark plugs and other parts to ensure efficient engine performance. They often use electronic testing equipment to isolate and adjust malfunctions in fuel, ignition, and emissions control systems.

For information about technicians who work on large trucks and buses, see the profile on diesel service technicians and mechanics.

For information about technicians who work on farm equipment, construction vehicles, and rail cars, see the profile on heavy vehicle and mobile equipment service technicians.

For information about technicians who repair and service motorcycles, motorboats, and small all-terrain vehicles, see the profile on small engine mechanics.

Curators oversee collections, such as artwork and historic items, and may conduct public service activities for an institution. Museum technicians and conservators prepare and restore objects and documents in museum collections and exhibits.

Curators, museum technicians, and conservators typically do the following:

• Acquire, store, and exhibit collections
• Select the theme and design of exhibits
• Develop or set up exhibit materials
• Design, organize, or conduct tours and workshops for the public
• Attend meetings and civic events to promote the institution
• Clean objects using cleansers, solvents, and soap solutions
• Direct and supervise curatorial, technical, and student staff
• Plan and conduct special research projects

Many objects and documents are important or historically significant. Curators, museum technicians, and conservators preserve and organize the display of these materials.

The following are occupational specialties:

Curators manage museums, zoos, aquariums, botanical gardens, nature centers, and historic sites. The museum director often is a curator. Curators direct the acquisition, storage, and exhibit of collections, including negotiating and authorizing the purchase, sale, exchange, or loan of collections. They also may authenticate, evaluate, and categorize the specimens in a collection.

Curators often oversee and help conduct the institution's research projects and related educational programs.

Today, an increasing part of a curator's duties involves fundraising and promotion, which may include writing and reviewing grant proposals, journal articles, and publicity materials. In addition, many curators attend meetings, conventions, and civic events.

Most curators specialize in a particular field, such as botany, art, or history. Those who work in large institutions may be highly specialized. A large natural history museum, for example, might employ separate curators for its collections of birds, fishes, insects, and mammals.

Some curators take care of their collections, some do research related to items in the collection, and others do administrative tasks. In small institutions with only one or a few curators, one curator may be responsible for a number of tasks, from taking care of collections to directing the affairs of the museum.

Museum technicians, commonly known as registrars, help curators by preparing and taking care of museum items. Registrars also may answer questions from the public and help curators and outside scholars use the collections.

Conservators manage, preserve, treat, and document works of art, artifacts, and specimens--work that may require substantial historical, scientific, and archaeological research. Conservators document their findings and treat items to minimize their deterioration or to restore them to their original state.

Conservators usually specialize in a particular material or group of objects, such as documents and books, paintings, decorative arts, textiles, metals, or architectural material. They use x rays, chemical testing, microscopes, special lights, and other laboratory equipment and techniques to examine objects, determine their condition, and decide on the best way to preserve them.

In addition to their conservation work, conservators participate in outreach programs, research topics in their specialty, and write articles for scholarly journals. They may be employed by a museum or other institution that has objects needing conservation, or they may be self-employed and have several clients.

Heavy vehicle and mobile equipment service technicians inspect, maintain, and repair vehicles and machinery used in construction, farming, rail transportation, and other industries.

Heavy vehicle and mobile equipment service technicians typically do the following:

• Read and understand operating manuals, blueprints, and drawings
• Perform scheduled maintenance, such as cleaning and lubricating parts
• Diagnose and identify malfunctions, using computerized tools and equipment
• Inspect, repair, and replace defective or worn parts, such as bearings, pistons, and gears
• Overhaul and test major components, such as engines, hydraulics, and electrical systems
• Disassemble and reassemble heavy equipment and components
• Travel to worksites to repair large equipment, such as cranes

Heavy vehicles and mobile equipment are critical to many industrial activities, including construction and railroad transportation. Various types of equipment, such as farm machinery, cranes, and bulldozers, are used to move materials, till land, lift beams, and dig earth to pave the way for development and construction.

Heavy vehicle and mobile equipment service technicians repair and maintain engines, hydraulic systems, transmissions, and electrical systems of agricultural, industrial, construction, and rail equipment. They ensure the performance and safety of fuel lines, brakes, transmissions, and other systems.

With many types of equipment and mechanical and electrical systems, service technicians use diagnostic computers to identify problems and make adjustments or repairs. Although the use of computerized testing equipment, such as tachometers and dynamometers, is common, technicians also use many different power and machine tools, including pneumatic wrenches, lathes, and welding equipment.

Service technicians also use many different handtools, such as screwdrivers, pliers, and wrenches, to work on small parts and in hard-to-reach areas. They generally purchase these tools over the course of their careers, often investing thousands of dollars in their collections.

After locating malfunctions, service technicians repair, replace, and recalibrate components such as hydraulic pumps or spark plugs. This may involve disassembling and reassembling major equipment or making adjustments through an onboard computer program.

The following are types of heavy vehicle and mobile equipment service technicians:

Farm equipment mechanics service and repair farm equipment, such as tractors and harvesters. They also work on smaller consumer-grade lawn and garden tractors. Most mechanics work for dealer repair shops, where farmers increasingly send their equipment for maintenance.   

Mobile heavy equipment mechanics repair and maintain construction and surface mining equipment, such as bulldozers, cranes, graders, and excavators. Many work for equipment wholesale and distribution shops and large construction and mining companies. Those working for the federal government may work on tanks and other military equipment.

Rail car repairers specialize in servicing railroad locomotives, subway cars, and other rolling stock. They usually work for railroad, public and private transit companies, and rail car manufacturers.

For information about technicians and mechanics who work primarily on automobiles, see the profile on automotive service technicians and mechanics.

For information about technicians who work primarily on large trucks and buses, see the profile on diesel service technicians and mechanics.

For information about technicians and mechanics who primarily work on motorboats, motorcycles and small all-terrain vehicles, see the profile on small engine mechanics.