Sr. Complex Claims Adjuster

About the role

Take ownership of complex, high-exposure property claims from first notice of loss through resolution - investigating, negotiating, and settling represented and large-loss files while guiding policyholders through critical moments.

Responsibilities

• Examining and appropriately interpreting insureds’ policies, forms in force, and other records to determine coverage and extent of company’s liability
• Drafting, approving, and adjusting estimates of damage and loss amounts utilizing Xactimate and Xactanalysis
• Using varying methods of investigation, including taking thorough recorded statements, consulting with police, fire departments, inspecting property damage, and reviewing documentation
• Writing clear, concise diary notes, managing and collaborating with vendors on field assignments, setting and saving contacts, and issuing payments
• Appropriately applying knowledge of multiple state statutes, including the insurance code of ethics, rules, regulations, and guidelines
• Negotiating with attorneys and/or public adjusters to achieve fair and equitable settlements

Requirements

• 3+ years of first-party property claims adjusting experience directly with a carrier, with expertise handling files with exposure up to $100,000, demonstrating deep knowledge of policy interpretation and claims processes
• Hands-on experience managing attorney- and public adjuster-represented claims is preferred, showcasing strong negotiation and conflict resolution skills
• Proven ability to manage vendor relationships and negotiate effectively to drive favorable outcomes
• Experience drafting complex reservation of rights letters, coverage denial letters, and release letters
• Proven ability to conduct thorough and effective recorded statements in support of claim investigations
• Ability to recognize potential fraud indicators and identify subrogation opportunities within a claim file
• Skilled in Xactimate/Xactanalysis, with strong technical acumen across platforms like Excel, Snapsheet, Slack, and CRM systems
• Exceptional interpersonal skills with a track record of guiding policyholders through challenging situations with empathy and professionalism
• Serves as a resource and mentor to less experienced claims team members, supporting their professional development and ensuring consistency in claims handling practices
• Familiarity with the litigation process, including prior deposition and/or mediation experience preferred
• Working knowledge of insurance laws, good faith practices, timelines, and regulatory requirements across multiple states

Benefits

• All Claims employees are expected to be available for required overtime and weekend shifts in the event of a catastrophic event.