General Adjuster, Property

 Responsibilities

• Manage a caseload of moderate to high-exposure and complex property claims from assignment through final resolution.
• Investigate losses, gather facts, evaluate damages, and determine coverage in accordance with policy provisions and applicable regulations.
• Conduct thorough on-site inspections, structure evaluations, personal property assessments, and site analyses.
• Prepare accurate damage estimates and evaluate repair and replacement costs.
• Negotiate settlements with policyholders, public adjusters, contractors, restoration providers, attorneys, and other stakeholders.
• Handle litigated claims and collaborate with legal partners as necessary.
• Maintain proactive and professional communication with policyholders throughout the claim lifecycle.
• Partner with internal teams and external vendors to ensure timely and effective claim resolution.
• Apply property claims best practices, company guidelines, and regulatory requirements.
• Respond to catastrophe (CAT) events and assist with disaster-related claims as needed.
• Mentor less experienced claims professionals and support knowledge-sharing initiatives.
• Identify opportunities for process improvements and operational efficiencies.
• Maintain all required state adjuster licenses and compliance requirements.

Qualifications

Required Education & Experience

• Bachelor's degree in Business, Insurance, Risk Management, or a related field; or equivalent combination of education and experience.
• Minimum of 4 years of property claims adjusting experience handling residential property losses.
• Equivalent combination of an Associate degree and 6+ years of relevant claims experience may be considered.
• Experience managing moderate to complex homeowners' property claims from investigation through settlement.
• Previous field adjusting experience preferred.

Preferred Qualifications

• Experience handling litigated property claims.
• Experience working in a multi-state claims environment.
• Industry certifications such as AIC, CPCU, SCLA, or similar designations preferred.

Skills & Competencies

• Strong investigative and analytical abilities.
• Advanced negotiation and conflict-resolution skills.
• Excellent verbal and written communication skills.
• Ability to build trust and rapport with customers during stressful situations.
• Strong organizational and time-management skills.
• Ability to prioritize competing demands and manage a high-volume caseload.
• Sound decision-making and problem-solving capabilities.
• Ability to work independently with minimal supervision.
• Collaborative team player with the ability to influence and partner across functions.
• Commitment to continuous learning and professional development.
• Ability to effectively mentor and develop less experienced team members.

Technical Requirements

• Advanced knowledge of homeowners' property insurance coverage and claim handling practices.
• Proficiency with Xactimate and XactAnalysis.
• Experience utilizing claims management systems and estimating platforms.
• Knowledge of applicable state regulations, policy interpretation, and coverage analysis.
• Strong understanding of property construction, repair methods, mitigation practices, and restoration processes.
• Ability to evaluate complex losses and prepare accurate estimates and claim documentation.
• Must possess or be able to obtain and maintain all required state adjuster licenses.

Travel Requirements

• Regular field travel required to investigate losses, conduct inspections, perform reinspections, attend settlement conferences, and meet with customers and vendors.
• Must be available for extended overnight travel as business needs dictate.
• Ability to respond to catastrophe (CAT) deployments, including travel on short notice.
• Travel may occur during business and non-business hours, including evenings and weekends.
• Valid driver's license and acceptable driving record required.