Liability Adjuster (Optional Work from Home)

Position Summary

The Liability Adjuster is responsible for investigating, evaluating, negotiating, and resolving liability claims made under any Florida Peninsula, Edison Insurance or Ovation Home Insurance Exchange insurance policies.

Essential Functions

• Investigate third-party liability claims involving Florida homeowners’ policies, including premises liability, property damage, bodily injury, dog bite, slip-and-fall, and other covered incidents.
• Review policy language, endorsements, exclusions, and applicable coverage forms to determine exposures and complex coverage questions.
• Interpret and recommend policy coverage and/or denial of coverage.
• Conduct field investigations and phone interviews to determine origin and cause of loss, identify potential fraud.
• Obtain and analyze recorded statements, police reports, incident reports, photographs, estimates, medical records, invoices, repair documentation, and other supporting materials.
• Evaluate liability and develop theories of liability, assess comparative negligence, damages, settlement value for bodily injury, property damage and subrogation potential.
• Communicate professionally, written and verbally, with insureds, claimants, attorneys, vendors, internal and external business partners including defense and coverage counsel.
• Write clear and concise letters, reports and initial case reviews.
• Document claim activity, coverage analysis, liability evaluation, settlement rationale, and communications accurately and timely in the claims management system.
• Negotiate settlements within assigned authority and escalate matters requiring additional review or authority.
• Identify claims involving litigation, coverage disputes, fraud indicators, regulatory concerns, or complex exposure and refer as appropriate.
• Effectively manage a case load and coordinate with supervisors, SIU, subrogation, underwriting, managers, executives and other departments as needed.
• Maintain compliance with Florida fair claims-handling practices, company best practices standards, and applicable deadlines.

Qualifications

• Must currently hold and maintain a Florida 620 Adjuster’s License
• Five years or more of adjusting experience to include homeowners’ liability claims adjusting
• Exceptional communication skills both written and verbal
• Strong organizational and time management skills
• Experience with MS Office including Outlook, Excel, Word, and Teams are preferred

Due to current business and operational considerations, we currently hire employees residing in the following states at this time:

• AL
• AR
• CA
• CT
• FL
• GA
• KY
• MO
• NC
• NV
• OH
• SC
• TN
• TX
• VA
• WI

Work Authorization Requirement

This role requires permanent U.S. work authorization and does not offer employer sponsorship now or in the future.

Notice to Third Party Agencies

WRM does not accept unsolicited resumes from third party recruiting firms. Absent a signed Service Agreement by WRM’s Human Resources Department, WRM reserves the right to pursue and hire these candidates without financial obligation to recruiters or agencies.