Property Adjuster – CAT Claims

• Investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims
• Confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulatory requirements
• Manage an assigned claims caseload
• Partner with vendors, internal business partners, and external regulators to facilitate claim resolution and compliance
• Investigate claim damages using information from insureds, third parties, and external resources
• Identify discrepancies and subrogation potential
• Identify coverage concerns, review prior loss history, and create SIU referrals when appropriate
• Determine coverage based on investigation information, policy terms, and contingencies
• Coordinate with management on settlement amounts outside authority limits
• Maintain accurate and current claim file documentation
• Use estimating technology platforms and virtual inspection tools to prepare and manage claims estimates
• Address jurisdictional challenges, legislation, and construction considerations
• Support workload surges and CAT response operations, including mandatory on-call dates and potential evening, weekend, and holiday work
• Travel for CAT deployments with minimal notice when assigned
• Handle various claim types, including higher-complexity claims, and perform additional duties as needed
• Identify, measure, monitor, and control risks in accordance with risk and compliance policies

• High School Diploma or General Equivalency Diploma
• 1 year of experience handling low complexity property claims and/or customer service, military leadership, construction related industry/insurance experience
• Knowledge of estimating losses using Xactimate or similar tools and platforms
• Demonstrated negotiation, investigation, communication, and conflict resolution skills
• Working knowledge and understanding of claims contracts as well as application of case law and state laws and regulations
• Ability to prioritize and multi-task, including navigating through multiple business applications
• May need to travel up to 25% of the year (local & non-local) and/or work catastrophe duty when needed
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
• 1+ years of residential property adjusting of moderate complexity claims
• 1+ years of estimate writing skills using Xactimate or virtual estimating (i.e. Claim X, Hover, and Hosta)
• Experience handling claims from start to finish (FNOL, reviewing policy, making coverage decisions, settlement)
• Experience scoping the loss, assessing damages, interpreting policy and making claim decisions
• Experience on a Property Catastrophe team handling inside or field claims (i.e. wind, hail, hurricane, flooding)
• Experience working in Guidewire Claims Center
• Knowledge of homeowner property policies and endorsements
• Currently hold an active P&C Adjuster license
• Prior experience working directly for a standard insurance carrier
• Call center experience in a telephone concentrated environment
• Ability to work overtime and extended hours to support CAT claims
• US military experience through military service or a military spouse/domestic partner
• Must not require immigration support or visa sponsorship
• Licensed positions require a background check, including criminal history, education, employment verification, and a credit check consistent with applicable laws

Demonstrates expertise in investigating and settling property insurance claims, with a strong focus on negotiation, compliance with state regulations, and effective communication. Proficient in using estimating tools like Xactimate and managing claims from inception to resolution.

• Property Insurance Claims Handling
• Xactimate Estimating Skills
• Negotiation and Conflict Resolution
• Active P&C Adjuster License
• Experience with Guidewire Claims Center

• Claims Investigation
• Coverage Analysis
• Loss Assessment
• Claims Documentation
• Subrogation Identification
• Risk Control
• Estimate Writing
• Policy Interpretation
• CAT Response Operations
• Claims Management

• Communication Skills
• Conflict Resolution
• Multi-tasking Ability
• Prioritization Skills
• Team Collaboration

• P&C Adjuster License

• Property Insurance
• Claims Contracts
• State Regulations
• Homeowner Policies
• Catastrophe Duty

• Xactimate
• Claim X
• Hover
• Hosta
• Guidewire Claims Center