Residential Field Adjuster

SUMMARY DESCRIPTION

The Residential Field Adjuster is responsible for investigating, inspecting, negotiating and bringing to final resolution property claims of all named‑peril losses. For claims where the damage is less severe the Property Field Adjuster may be assigned tasks such as verification of damage. The roles primary duties include reviewing coverage, inspecting damaged property and estimating repair/replacement costs in accordance with the clients and RENFROEs guidelines.

The Property Field Adjuster is also responsible for documenting all activity, submitting proper claims paperwork, handling renters and personal property policies, meeting with contractors, effectively communicating with the client and all stakeholders and ensuring compliance with legal and contractual obligations.

Assigned RENFROE Manager

• Follows RENFROE and clients policies and procedures to handle all assigned property claims
• Works with the RENFROE Manager and other adjusters to share knowledge and experience and to gain new skills
• Completes assigned property adjustments such as property or contents inspections, verification of loss and updates claims as new information becomes available using Xact Analysis, Xactimate or other estimating platforms
• Manages the progression of claims/tasks and claim inventories assigned to them
• Travels to the loss location to inspect the property which could include climbing the roof, inspecting the attic or other inspection points to establish the cause and scope of the loss
• Works with contractors or another representative to reach an agreement on the scope of loss
• Reviews the insurance policy and endorsement details to confirm coverage
• Contacts and interacts with the insured to obtain documents such as property deeds, purchase receipts, warranties, photographs or other documents to establish the existence, ownership and value of the items claimed lost
• Assists the client and claims examiner in determining coverage and amounts for additional living expenses such as rental housing, travel, meals, etc.
• Writes closing reports including recommendations for repair and/or replacement, the pursuit of subrogation and salvage potential
• Maintains required jurisdictional adjusting licenses as required by the client and/or RENFROE
• Does not handle claims for which they do not have client authorization or for which they are not licensed
• Participates and communicates in client team meetings to discuss claim handling trends, team production and any claim handling concerns or changes
• Makes suggestions on ways to improve process efficiency
• Participates in special projects and completes other duties as assigned

Field adjusters should not:

• Communicate training requirements to client staff adjusters and non-affiliated firms
• Communicate training requirements to any claim handler who is not deployed with RENFROE
• Discuss Human Resource issues with any client staff adjusters in any segment or any claim handler that is not deployed with RENFROE
• Discuss any of the following topics with a client staff adjuster or any claim handler that is not deployed with RENFROE: job openings, termination prior work history, attendance, absence requests, daily work schedule, claim volume or workload, meal and rest break schedule, promotions, development, compensation or mentoring of any kind

• Minimum of 1 year of property claims experience is preferred
• Participation in technical insurance coursework is preferred such as CPCU
• Experience using various claims processing systems is preferred
• Appropriate licenses depending on state requirements and successful completion of required/applicable claims certification training classes
• Effective problem resolution and decision‑making skills to include analyzing insurance policies and information demonstrating sound judgment and utilizing one's own experience and the experience of others
• Strong analytical skills and consistent attention to detail
• Knowledge of ISO forms and client policy coverage procedures and systems
• Communicates clearly and effectively both verbally and in writing
• Strong customer service orientation and good…