Jobs · Delaware

Field Property Adjuster

Capstone ISG · Wilmington, DE · 2 mo ago
Full-time

About the role

We are seeking a detail-oriented Property Claims Adjuster to independently manage residential and commercial property claims throughout the investigation, evaluation, and resolution process in and around Delaware/New Jersey.

Responsibilities

  • Conduct field investigations involving residential and commercial property losses.
  • Analyze policy language, endorsements, coverage forms, exclusions, and client instructions to determine coverage applicability and claim exposure.
  • Evaluate and adjust property claims ranging from routine losses to complex, high-severity claims.
  • Document damage through photographs, measurements, interviews, and detailed field notes.
  • Prepare repair and replacement estimates utilizing Xactimate and other estimating resources.
  • Establish and maintain appropriate claim reserves based on investigation findings and projected exposure.
  • Prepare comprehensive reports, coverage analyses, settlement recommendations, and client communications.
  • Draft settlement letters, denial letters, Reservation of Rights letters, and other claim correspondence.
  • Conduct content inventory reviews and perform pricing analysis for personal property and business contents losses.
  • Identify and investigate subrogation opportunities and preserve recovery rights.
  • Retain and coordinate engineers, contractors, consultants, and other experts as necessary to evaluate causation, damages, and liability exposure.
  • Negotiate settlements within established authority and provide recommendations on complex claim resolutions.
  • Maintain accurate documentation, billing records, and expense reporting.
  • Manage assigned caseload while meeting quality, service, and reporting standards.
  • Maintain compliance with state regulations, carrier guidelines, and industry best practices.
  • Participate in continuing education and maintain all required adjuster licenses.

Requirements

  • High school diploma required; additional education in insurance, construction, business, engineering, or a related field is preferred.
  • Previous property claims adjusting experience preferred. Candidates without prior adjusting experience may be considered and will be required to complete company-sponsored adjuster training.
  • Experience with Xactimate estimating software strongly preferred.
  • Knowledge of residential and commercial construction methods, materials, and repair practices preferred.
  • Ability to interpret insurance policy language and apply coverage provisions accurately.
  • Strong investigative, analytical, and problem-solving skills.
  • Excellent written documentation and professional communication abilities.
  • Ability to independently manage a high-volume caseload and prioritize competing deadlines.
  • Proficiency with claims management systems, estimating platforms, and standard business software.
  • Ability to obtain and maintain all required state adjuster licenses.
  • Valid driver's license required.

Preferred Experience

  • Residential and commercial property claims
  • Catastrophe and storm-related losses
  • Water, fire, wind, hail, and structural damage assessments
  • Coverage analysis and Reservation of Rights investigations
  • Contents evaluation and inventory review
  • Subrogation investigations
  • Independent adjusting or third-party administrator environments

Benefits

  • Competitive salary with annual merit-based increases
  • Quarterly performance-based bonus opportunities
  • Comprehensive medical, dental, and vision insurance
  • 401(k) retirement savings plan
  • Company-paid life insurance
  • Short-term and long-term disability coverage
  • Paid vacation, sick leave, and company holidays
  • Fitness membership reimbursement program
  • Company-sponsored training and professional development opportunities
  • Ongoing support for continuing education and industry advancement

Physical Requirements

  • Regular field inspections, including roof inspections, ladder use, attic and crawlspace access, and travel throughout the assigned territory.
  • Capable of working outdoors in varying weather conditions.
  • Ability to lift up to 35 pounds as required to perform inspections safely and effectively.
  • Ability to climb ladders, traverse roofs, work at heights, and access confined or restricted areas.
  • Perform activities such as kneeling, crouching, crawling, standing, walking, pushing, and pulling as necessary to conduct thorough property inspections.

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