Field Property Adjuster

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.