Property Claims Adjuster

Accountabilities

• Manage the full lifecycle of property claims from initial reporting through final resolution.
• Conduct detailed investigations by reviewing policy coverage, assessing damages, determining liability, and identifying potential fraud or subrogation opportunities.
• Prepare accurate damage estimates using Cotality, Xactimate, or comparable estimating platforms based on inspection findings.
• Maintain complete claim documentation, including estimates, coverage communications, activity notes, reserves, and settlement records.
• Communicate proactively with policyholders, claimants, agents, vendors, and internal stakeholders to provide updates and resolve issues.
• Negotiate claim settlements fairly and professionally while balancing customer needs and business objectives.
• Collaborate with contractors, independent adjusters, engineers, and internal teams such as legal, underwriting, and fraud investigation.
• Contribute ideas for process improvements, operational efficiency, and enhanced claims quality.
• Support increased claim volumes and catastrophe response efforts when required.

Requirements

• Extensive property claims experience, strong analytical abilities, and excellent communication skills.
• Experience creating property damage estimates using Cotality, Xactimate, or similar estimating software.
• Proven ability to write estimates based on personal inspections and claim evaluations, not just reviewing third-party reports.
• Active property and casualty adjuster license(s), or ability to obtain required licenses within the required timeframe.
• Experience working in a remote or hybrid claims environment.
• Strong knowledge of claims investigation, coverage analysis, estimating practices, and settlement processes.
• Excellent written and verbal communication skills with strong negotiation and problem-solving abilities.
• Strong organizational skills with the ability to manage multiple claims and priorities effectively.
• Comfortable using technology platforms, virtual inspection tools, and digital claims solutions.
• Ability to work independently while contributing effectively within a collaborative team environment.

Benefits

• Competitive salary range of $70,000 - $90,000 USD, with compensation based on experience, skills, and qualifications.
• Full remote-first work environment with flexibility and support for distributed teams.
• Competitive compensation package with potential equity opportunities.
• Comprehensive medical, dental, and vision insurance plans.
• Life and disability coverage options.
• Paid parental leave of up to 8 weeks, with additional leave options where applicable.
• 401(k) company contribution of 3% of employee gross income, regardless of employee contribution.
• Work-from-home stipend of $1,500 USD to support a productive home workspace.
• Annual professional development fund of $2,000 USD for learning and career growth opportunities.
• Paid volunteer service hours and employee referral rewards.
• A supportive culture focused on collaboration, empathy, innovation, and work-life balance.