Field Adjuster

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24 days ago Requisition

Join a Great Team. Build Your Career. Make a Difference.

Heritage Insurance is part of
Heritage Companies
, a growing family of insurance companies with a shared commitment to protecting the communities we serve. As a
super-regional coastal property & casualty insurer
, we understand the unique challenges faced by homeowners and businesses in coastal markets—and we’re proud to be there when our policyholders need us most.

We believe great insurance starts with great people. Our culture is collaborative, customer-focused, and built around doing the right thing for our policyholders and each other. We offer
excellent benefits, competitive compensation, opportunities for professional growth, and a supportive team environment where your expertise is valued.

We are looking for an experienced
Field Adjuster to join our team supporting the
Central New Jersey territory
, with a primary focus on areas including
Trenton, New Brunswick, Edison, and Princeton
.

As a Field Adjuster, you’ll be responsible for handling
moderate-complexity, first-party property claims that require on-site inspections and hands-on expertise. You’ll investigate losses, assess damage, prepare estimates, evaluate coverage, and negotiate fair and appropriate settlements.

This is a
territory-based, fully remote position
. You will work primarily from your home and travel throughout your assigned territory to conduct inspections and meet with policyholders, contractors, public adjusters, attorneys, vendors, and other professionals.
This position does not report to or require regular work from a Heritage office.

This is a highly visible, field-facing role. You’ll interact directly with customers and industry professionals—often helping people navigate the claims process during some of the most stressful moments in their lives.

The ideal candidate brings strong property claims experience, sound technical judgment, excellent communication skills, and the ability to work independently while remaining a trusted representative of Heritage.

• Conduct thorough
  on-site property inspections
  , including accurate scoping, photography, documentation, and preparation of written or computer-assisted estimates.
• Investigate and evaluate first-party property claims to determine
  coverage, damages, and claim exposure
  .
• Review policies, leases, contracts, by-laws, and other documentation to evaluate claim validity and coverage.
• Communicate professionally, clearly, and empathetically with policyholders, public adjusters, contractors, attorneys, vendors, and internal partners.
• Use industry-standard
  claims estimating tools and technology to prepare, review, and validate estimates.
• Partner with internal specialists, including
  Subrogation and Fire/Fraud Investigations
  , when appropriate.
• Maintain complete, accurate, and timely claim documentation and activity notes in accordance with company standards.
• Establish and maintain appropriate claim reserves, updating them as new information becomes available.
• Prepare clear, accurate, and professional claim correspondence, including Reservation of Rights and denial letters.
• Negotiate settlements within established authority levels and appropriately escal...
• Represent Heritage in legal and alternative dispute resolution proceedings, including
  depositions, Examinations Under Oath (EUOs), mediations, and trials
  , as needed.
• Stay informed about construction practices, repair methodologies, local labor and material costs, and market conditions.
• Respond promptly and professionally to…