Claims Field Adjuster

This is a fully remote position, open to applicants in Oklahoma.

📋 Description

• The Commercial Property Field Adjuster is tasked with investigating, assessing, and adjusting commercial property claims of minor to moderate severity.

• This position includes conducting on-site inspections of insured commercial properties, analyzing policy coverage, preparing precise damage estimates, and ensuring timely claims resolution in line with company guidelines, policy provisions, and applicable regulations.

• The adjuster applies independent judgment within assigned authority and communicates directly with insured parties, agents, public adjusters, and contractors, issuing reservation of rights letters and coverage disclaimers when necessary.

• Perform on-site evaluations of commercial properties to determine property damage related to covered losses (e.g., fire, wind, water, vandalism, and other commercial property risks).

• Capture damage evidence through photographs, measurements, diagrams, and written reports.

• Establish the cause of loss and verify the applicability of the policy.

• Recognize potential coverage concerns and exposures early in the claims process.

• Examine commercial property policies, endorsements, and declarations to ascertain coverage, limits, deductibles, and exclusions.

• Clearly communicate coverage determinations to insured individuals, public adjusters, and agents.

• Under supervision, prepare and issue reservation of rights letters and coverage disclaimers or denial letters in accordance with company standards and regulatory requirements.

• Generate detailed and accurate repair or replacement cost estimates utilizing approved estimating software and pricing databases.

• Assess contractor estimates and invoices for accuracy, scope, and reasonableness.

• Negotiate settlements within assigned authority while upholding fair claims practices.

• Process claim payments and settlement documentation in compliance with company procedures.

⛳️ Requirements

• A minimum of 3–5 years of experience in commercial property claims adjusting.

• Strong understanding of commercial property policy forms and endorsements.

• Familiarity with policy language and experience in interpreting minor to moderate coverage issues.

• Proven experience conducting field inspections of commercial properties.

• Proficient in estimating software (e.g., Xactimate or equivalent).

• A valid driver’s license with a clean motor vehicle record and the ability to travel within the assigned territory.

• Must maintain a current adjuster license in the designated home state (or be willing to obtain one within 60 days of hire) and have the ability to obtain additional non-residential adjuster licenses.

• Excellent written and verbal communication skills are essential.

• Demonstrated negotiation skills, critical thinking, and problem-solving abilities.

• Strong customer service orientation with attention to detail.

• Proficient computer skills, including experience with Microsoft applications (Outlook, Word, Excel) as well as claims and imaging systems.

• Ability to exercise independent judgment with limited supervision in managing claims within reserve and settlement authority.

🏝️ Benefits

• Medical, Dental, and Vision coverage

• 401(k) plan with company match

• Generous paid time off (PTO)

• Paid company holidays

• Paid maternity/paternity leave

• Supplemental sick leave

• Family-oriented culture

• Year-round wellness initiatives

• Company-sponsored events

• Cell phone provided

• Company car included

• Opportunities for professional development through conferences, events, and continued education