Field Adjuster

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

📋 Description

• Perform comprehensive on-site inspections of properties, which includes scoping, photography, documentation, and generating estimates using written or computer-assisted methods.

• Assess and analyze first-party property claims to ascertain coverage, damages, and potential claim exposure.

• Examine policies, leases, contracts, by-laws, and other relevant documents to determine the validity and coverage of claims.

• Engage with policyholders, public adjusters, contractors, attorneys, vendors, and internal stakeholders effectively.

• Utilize industry-standard tools and technology for claims estimating to create, review, and validate estimates.

• Collaborate with specialists in Subrogation and Fire/Fraud Investigations when necessary.

• Ensure thorough, accurate, and timely documentation of claims and activity notes.

• Establish and update claim reserves as needed.

• Draft claim correspondence, including Reservation of Rights letters and denial notifications.

• Negotiate settlements within designated authority levels and escalate complex or high-exposure issues as required.

• Represent Heritage in depositions, Examinations Under Oath, mediations, trials, and other legal or alternative dispute resolution processes when necessary.

• Remain updated on construction practices, repair methods, local labor and material costs, and market conditions.

• Address inquiries from policyholders, customers, and internal business partners promptly.

• Recognize and report safety, regulatory, or compliance issues.

• Travel within the assigned territory, with occasional travel beyond the region.

• Participate in catastrophe and surge operations, which may require extended hours, overnight travel, and temporary reassignment.

• Adhere to all relevant laws, regulations, and company policies and procedures.

⛳️ Requirements

• Must obtain and maintain New York adjuster licensing, along with any additional necessary licenses for handling claims in the assigned territory.

• At least 5 years of experience in property claims, including field adjusting experience.

• Proficient in Microsoft Office and claims management systems.

• Capability to independently investigate, assess, negotiate, and resolve property claims.

• Strong written, verbal, and interpersonal communication skills are essential.

• Excellent analytical, organizational, and time-management skills are required.

• A customer-first mindset and professionalism in high-pressure or emotionally challenging environments.

• Ability to work autonomously while managing a remote, mobile, field-based schedule.

• Must be able to climb, kneel, crawl, and lift up to 30 pounds without assistance.

• Willingness and ability to travel extensively within the assigned Long Island/NYC territory, with occasional travel beyond the region.

• Successful completion of a pre-employment background check is mandatory.

• Additional driving and/or credit history checks may be required based on position and responsibilities.

🏝️ Benefits

• Excellent benefits along with a comprehensive total rewards package.

• Competitive compensation that acknowledges your experience and expertise.

• A vibrant company culture focused on collaboration, accountability, and respect.

• Opportunities for career advancement within a leading super-regional coastal P&C insurance organization.

• Flexibility and independence associated with a fully remote, territory-based role.

• Strong support from a well-established claims organization.