Property Adjuster – Inside

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

📋 Description

• Evaluate claim forms, insurance policies, endorsements, client instructions, and supporting documentation to assess coverage and identify potential exposure.

• Investigate, assess, negotiate, and resolve claims related to residential and commercial properties.

• Set and maintain appropriate loss reserves.

• Produce clear, accurate, and timely written reports.

• Draft settlement letters, coverage correspondence, denial letters, Reservation of Rights letters, and other communications related to claims.

• Oversee an assigned caseload while achieving productivity, quality, and client service goals.

• Ensure complete documentation of claim files, effective diary management, and follow-up activities.

• Review and supervise the work of field adjusters for accuracy, completeness, and compliance.

• Analyze property damage estimates, photographs, inspection reports, invoices, and relevant documentation.

• Assess contents inventories, conduct pricing analyses, and compile detailed claim inventory reports.

• Carry out subrogation investigations and identify potential recovery opportunities.

• Collaborate with consultants, contractors, engineers, experts, and independent service providers.

• Negotiate settlements under the guidance of the Claims Manager or Supervisor, within assigned authority limits.

• Engage with clients, insured parties, field adjusters, and other stakeholders involved in claims.

• Log time and expense charges in accordance with client billing requirements.

• Maintain necessary adjuster licenses, certifications, and fulfill continuing education obligations.

• Adhere to regulations, company policies, client expectations, and service standards.

• Enhance and broaden professional and technical expertise through ongoing education, training, and industry activities.

• Offer mentorship and support to junior adjusters when necessary.

• Participate in special projects and execute additional assigned responsibilities.

⛳️ Requirements

• High school diploma or equivalent is mandatory.

• College coursework, an associate degree, or a bachelor's degree is preferred.

• Candidates lacking prior adjusting experience must successfully complete Capstone’s designated adjuster training program.

• Familiarity with Xactimate or similar property estimating software is preferred.

• Previous experience in independent adjusting is advantageous.

• Experience with farm and agricultural property claims is a significant plus.

• Background in Excess and Surplus (E&S) property claims is a plus.

• Must possess, or be able to obtain and maintain, all necessary adjuster licenses as required by state and local jurisdictions.

• Capability to work remotely during business hours in the Eastern Time Zone.

• Ability to juggle multiple priorities while ensuring accuracy in a high-volume, fast-paced setting.

• Strong customer service skills are essential.

• Excellent analytical, investigative, mathematical, and problem-solving skills.

• Ability to interpret insurance policies, endorsements, claim documentation, and technical details.

• Sound decision-making abilities are required.

• Exceptional attention to detail and accuracy is necessary.

• Proficient written and verbal communication skills are crucial.

• Ability to create clear, concise, and professional claim reports and correspondence.

• Strong organizational, workload-management, and time-management skills.

• Ability to work independently in a virtual setting.

• Proficiency with claims management systems, estimating software, Microsoft Office, and other business applications.

• Ability to operate under pressure, meet time-sensitive deadlines, and produce high-quality work.

🏝️ Benefits

• Competitive salary with annual increases.

• Quarterly performance bonuses.

• Medical, Dental, and Vision Insurance.

• 401(k) Retirement Plan.

• Short-Term and Long-Term Disability Insurance.

• Life Insurance.

• Paid Sick Leave, Vacation, and Holidays.

• Fitness Membership Reimbursement.

• Company-sponsored training and continuing education.

• Remote work environment.

• Opportunities for professional growth and advancement.