Large Loss Property Field Claims Adjuster (Maryland)

About the role

Lead level role that investigates and maintains highly complex property claims. You will determine liability, secure information, review coverages, arrange appraisals, and settle claims. Demonstrate experience to perform all areas of claim adjustment activities with the highest degree of competency and independence. You will work in the field handling complex homeowner property field claims, preferably located in Maryland or Pennsylvania. A fleet vehicle is provided, and you will report to a Large Loss Senior Manager. In this primarily field‑based role you will spend 80% of your time (4+ days per week) working in the field, directly interacting with customers, with occasional office travel for team meetings, trainings, and culture events.

Responsibilities

• Investigate origin and cause of high exposure claims by contacting insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc.
• Check for prior claims and recognize environmental exposures.
• Participate in High Damage Reviews (HDR) to address coverage issues and exposure.
• Handle claims on a good faith basis, including both 1st‑party and 3rd‑party claims under multiple policy types and numerous endorsements.
• Conduct on‑site inspections when needed, evaluate damages, and handle claim negotiations with insureds, claimants, attorneys, and public adjusters.
• Respond to customer inquiries, make appropriate decisions, and close files.
• Interpret and determine policies, leases, by‑laws, declarations, articles, and contract coverages and apply them to all parties for assigned losses.
• Interpret claim history coverages.
• Make independent decisions while recognizing when assistance is needed.
• Provide all parties with claim process and status; answer questions or redirect to other areas.
• Act as a mentor and subject‑matter expert for less experienced adjusters.

Requirements

• Valid driver’s license with an acceptable driving record.
• Obtain state‑specific property casualty claims licensing as required.
• Travel requirements: up to 10% regular travel; catastrophe travel up to 75% as applicable.
• Physical requirements: ability to ascend/descend ladders, stairs, scaffolding, ramps, poles; work in customer homes, body shops, or other higher‑hazard environments; move in tight/confined spaces; adjust or move objects up to 50 pounds in all directions.
• Advanced Xactimate experience required.
• 5 or more years’ experience handling field property personal lines claims.
• Preference for experience handling claims over $50,000.

Skills

• Demonstrated ability to handle 1st and 3rd party, multi‑line claims across operating territories.
• Demonstrated experience providing customer‑driven solutions, support, or service.
• Demonstrated ability to efficiently and effectively handle complex claims.
• Extensive knowledge of policies and endorsements coverages.
• Successfully applied knowledge of each phase of the claim handling process.

Benefits

• Comprehensive medical, dental, vision, and wellbeing benefits.
• Competitive 401(k) contribution.
• Pension plan.
• Annual incentive.
• 9 paid holidays.
• Paid time off program (23 days accrued annually for full‑time employees).
• Student loan repayment program.
• Paid‑family leave.

Pay

Position compensation range: $88,000.00 – $145,000.00 (salary). Compensation may vary based on job level and geographic work location. Relocation support is offered for eligible candidates.

Schedule

Primarily field‑based: 80% of time (4+ days per week) spent in the field interacting with customers, with occasional office travel for meetings, trainings, and culture events.