Senior Adjuster, Field Service Claims

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

📋 Description

• Manage field property claims independently, including those that involve external investigations and catastrophe (CAT) responses.

• Conduct thorough investigations, evaluate coverage, and produce necessary documentation such as reservation of rights and coverage letters, escalating issues as required.

• Recognize and actively seek opportunities to transfer risk to the appropriate parties for the benefit of insured clients and business collaborators.

• Keep detailed and comprehensive records of claims, ensuring proper documentation and adherence to jurisdictional regulations.

• Identify subrogation potential accurately and set up files to facilitate successful recovery efforts.

• Ensure compliance with regulatory and company standards in all claims activities, executing jurisdictional compliance requirements and assisting others in understanding regulatory duties.

• Investigate and oversee suspicious claims utilizing advanced methods and tools, referring to the Special Investigation Unit (SIU) as necessary. Stay informed about fraud indicators and regulatory reporting requirements.

• Set reserves, approve payments, and make financial decisions within authorized limits, contributing to the accuracy and efficiency of reserving.

• Collaborate with both internal and external stakeholders including legal, underwriting, vendors, and agents. Lead cross-functional meetings and convey complex information clearly to different audiences.

• Employ advanced tools and analytics to identify trends, rectify inconsistencies, and enhance claims handling efficiency. Ensure correct data ingestion, labeling, and protection of personally identifiable information (PII).

• Maintain organized and factual claim records and prepare detailed reports summarizing findings and recommendations.

• Act as a mentor to junior adjusters, offering guidance on complex claims, compliance, and litigation processes. Support training initiatives and contribute to the development of best practices and educational resources.

• Provide empathetic and clear communication throughout the claims process. Educate claimants and stakeholders, affirm next steps, and ensure a positive customer experience.

• May represent the company in mediations, arbitrations, and trials.

• Must possess and maintain appropriate state adjuster licenses, continuing education credits, and a valid driver’s license.

⛳️ Requirements

• Bachelor’s degree or equivalent experience in claim handling.

• Generally requires 5–10 years of adjusting experience.

• Strong understanding of local geography, regulations, and public safety agencies, along with the ability to build rapport with insured clients and navigate the insurance and legal landscape.

• Proficient knowledge of applicable statutes, regulations, case law, and third-party legal liability concepts.

• Skilled in negotiation and developing strategies to influence outcomes.

• Demonstrates sound judgment and decision-making abilities, particularly in litigation and compliance matters.

• Communicates effectively and clearly in both verbal and written formats across various situations.

• Highly organized with the capability to manage complex workflows and project work.

• Makes informed decisions based on thorough analysis of intricate issues.

• Ability to collaborate with internal and external experts, including legal, underwriting, and other stakeholders to ensure comprehensive evaluation.

• Capable of quickly assessing customer concerns and anticipating questions, translating complex and technical terms into easily understood language; able to deliver difficult messages when necessary.

• Proficient in using claims systems and Microsoft Office Suite.

• Competent in utilizing a personal computer and other standard office equipment.

• Ability to sit and/or stand for prolonged periods.

• Required to work on-site as necessary.

• Willingness to travel as needed.

• Ability to thrive in a fast-paced, changing, or stressful environment.

• Capability to perform work in a noisy/loud work setting.

• May be required to maintain a sufficient home-based internet connection.

• Ability to operate a motor vehicle for 4-5 hours a day and to enter and exit the vehicle multiple times throughout the day.

• Ability to load and unload equipment and supplies weighing up to 30 pounds from a motor vehicle as needed to conduct field work.

• Capability to bend, walk, and climb for several consecutive hours while inspecting damaged buildings, often with utilities turned off or non-operational.

• Ability to safely use a ladder to access roofs and maintain balance while inspecting roofing structures.

• Capability to perform field work in adverse weather conditions.

🏝️ Benefits

• Comprehensive health, dental, and vision insurance.

• Retirement savings plan with company match.

• Generous paid time off and holidays.

• Professional development opportunities.

• Flexible work arrangements.