Catastrophe Field Adjuster - South Florida Territory

About the role

The Catastrophe Field Adjuster at Frontline Insurance plays a pivotal role in ensuring high-quality service and proactive solutions for all customers. Our core values—Integrity, Patriotism, Family, and Creativity—are central to everything we do.

Responsibilities

• Handle the adjusting of the entire claim without the involvement of a Desk Adjuster.
• Collect and review all loss-related facts, perform an analysis under the terms of the insurance policy to make a coverage decision, and issue payments within the applicable authority level.
• Contact insureds to schedule inspections of damaged property, travel to affected properties, and conduct inspections in a timely manner.
• Photograph, sketch, and scope all damages. (Photos on non-damaged areas are needed also).
• Compose claims correspondence and keep insureds informed on the claims investigation.
• Determine the method and extent of investigation for each claim.
• Make assignments to outside experts or investigators when appropriate.
• Review and analyze all investigative and claim material to determine the facts of the loss.
• Interview insureds and witnesses to obtain loss facts (recorded & non-recorded interviews as necessary).
• Document all investigative actions in the claim file.
• Analyze the policy to determine the coverage for the loss.
• Evaluate coverage and make a coverage recommendation on each claim.
• Determine the total value of the claim.
• Request and disburse claim checks/payments within authority level.
• Make payment recommendations for amounts above authority level.
• Respond to all questions in a timely manner.
• Utilize several software programs throughout the day to determine the parameters of the loss.
• Collaborate with team members and stakeholders to resolve various claims-related issues as they arise.
• Maintain compliance with quality standards and state regulations.
• Assist with catastrophe operations as required, including, but not limited to, working extra hours during major events or deploying to affected areas to help policyholders.
• Additional duties may arise as the candidate progresses.
• Assist Desk Adjusters with issues and needs for experts, submit reserve recommendations, email reports/estimates to home office, and assist with pricing and/or technical issues.

Qualifications

A four-year college degree is preferred along with prior insurance experience with an insurance carrier or agency.