Senior Property Claim Adjuster

• Investigate, evaluate, negotiate, and settle complex property insurance claims
• Confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulatory requirements
• Proactively manage assigned claims caseload involving moderately complex damages
• Partner with vendors and internal business partners to resolve claims
• Coordinate with external regulators to ensure appropriate documentation and compliance
• Research claim damages using information from insureds, third parties, and external resources
• Identify and resolve discrepancies and identify subrogation potential
• Identify coverage concerns, review prior loss history, and create SIU referrals when appropriate
• Determine coverage through investigation of moderate-complexity policy terms and contingencies
• Negotiate claims settlements and collaborate 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 claims estimates
• Apply industry standards for inspection, damage mitigation, and restoration
• Serve as an informal resource for team members
• Address jurisdictional challenges involving legislation and construction considerations
• Support workload surges and catastrophe response operations, including mandatory on-call dates and potential evening, weekend, and holiday work
• Travel for CAT deployments with minimal notice when assigned
• Handle higher-complexity claims and additional duties as needed
• Identify, measure, monitor, and control business risks in accordance with risk and compliance policies

• High School Diploma or General Equivalency Diploma
• 2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience
• Experience handling water loss claims including water mitigation, water loss estimating, and reconciliation
• Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement)
• Developing (Working) knowledge of residential construction
• Working knowledge of estimating losses using Xactimate or similar tools and platforms
• Demonstrated negotiation, investigation, communication, and conflict resolution skills
• Working knowledge of property claims contracts and interpretation of case law and state laws and regulations
• Proficient in prioritizing and multi-tasking, including navigating through multiple business applications
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
• Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies such as Hosta, Hover, Xactimate, and ClaimsX
• Insurance industry credentials such as AINS, CPCU, AIC, or SCLA, or actively pursuing certification
• Proficiency in Xactimate, including Level 1 and/or Level 2 certification
• Experience working in a call center or high-volume customer interaction environment
• Currently hold an active Adjuster License
• Bachelor's degree
• US military experience through military service or a military spouse/domestic partner
• Must not require immigration support or visa sponsorship now or in the future

Demonstrates expertise in investigating and negotiating property insurance claims, with a strong focus on compliance with state regulations and effective communication with stakeholders. Proficient in utilizing estimating technology and managing complex claims from inception to settlement.

• Property Claims Adjusting
• Xactimate Proficiency
• Negotiation Skills
• Insurance Adjuster License
• Water Loss Claims Experience

• Claims Investigation
• Coverage Analysis
• Claims Settlement Negotiation
• File Ownership
• Damage Estimation

• Conflict Resolution
• Communication Skills
• Multi-tasking
• Prioritization

• AINS
• CPCU
• AIC
• SCLA
• Adjuster License

• Property Insurance
• Regulatory Compliance
• Construction Knowledge
• Subrogation
• Risk Management

• Xactimate
• Hosta
• Hover
• ClaimsX
• Estimating Technology Platforms