Property Adjuster (Inside)

The position is based in the Capstone office in Richmond, VA.

Primary 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; advanced education beyond high school preferred or an equivalent combination of education and experience.
• Previous experience as a claims adjuster or must complete Capstone‑specified adjuster training if no experience.
• If previous adjuster experience, working knowledge of Xactimate is preferred.
• Must be licensed, or have the ability to obtain license(s), as required by state and local jurisdictions to adjust insurance claims.

Skills and Competencies

• Ability to work in a high‑volume, fast‑paced environment managing multiple tasks.
• Ability to provide excellent service to policyholders and clients.
• Ability to efficiently operate a computer and related claims and business software.
• Effective analytical and problem‑solving skills necessary to make decisions and resolve conflict.
• Good verbal and written communication skills.
• Good attention to detail.
• Strong analytical and mathematical ability.
• Ability to work independently in a virtual environment when required.
• Good organizational and time management skills.

Compensation & 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 Demand Requirements

• Limited physical requirements; primarily repetitive tasks such as typing, note taking, telephonic communication, and operating standard office equipment.
• Employees are required to work within a Capstone office unless otherwise directed by management.