Claim Adjuster

Responsibilities

• Review policy forms, endorsements, and exclusions to assess coverage for first-party losses.
• Identify potential subrogation and recovery opportunities; refer to subro as appropriate.
• Conduct recorded statements, obtain proof of loss, and collect documentation.
• Order and assess reports (police, fire, vendor estimates); request SIU review on suspicious indicators.
• Evaluate damages and ACV/RCT where applicable; calculate ALE/Additional Living Expense and Loss of Use.
• Negotiate fair settlements within authority and issue payments timely.
• Maintain accurate and supportable reserves; escalate above authority when warranted.
• Serve as the single point of contact; communicate empathetically and clearly via phone, email, and letter templates.
• Handle escalations professionally.

Requirements

• 2–5+ years of personal lines property claims adjusting experience (renter’s/contents focus strongly preferred).
• Working knowledge of policy interpretation, contents valuation, ALE/Loss of Use, and subrogation basics.
• Strong written and verbal communication; ability to distill complex coverage into plain language.
• Proficiency with claims systems (e.g., Guidewire/Sigma/ClaimCenter or similar), MS Office, and digital estimating tools.
• Demonstrated compliance with state claims handling and documentation standards.
• Licensing: Active adjuster licenses as required by domicile and any assigned states (e.g., TX, FL, LA).
• Ability to obtain additional licenses within 90 days of hire.
• Prior experience with renter’s theft claims, smoke/soot damage, water mitigation, and content inventory reconciliation.
• Exposure to SIU referrals and early fraud indicators (e.g., prior loss history, documentation anomalies).
• Experience in CAT environments and surge workload management.
• Bachelor’s degree or equivalent experience; industry coursework

Qualifications

Commensurate with experience.

Skills

Not specified.

Benefits

Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.

Pay

$53,000-$67k/yr

Schedule

TBD