Casualty Claim Adjuster - In Office - Jacksonville, FL

Stillwater Insurance Group•Jacksonville, FL

11h•Onsite

About The Position

Join a collaborative, service-focused team where analytical rigor, sound judgment, and professionalism are valued. At Stillwater Insurance Group, the Casualty Claim Adjuster II plays a critical role in investigating, evaluating, negotiating, and resolving complex casualty claims while delivering exceptional service to policyholders and internal partners. Stillwater Insurance Group is a mid-sized national insurance provider offering home, auto, and commercial insurance products across all 50 states. Headquartered in Jacksonville, Florida, with offices in New York, and Omaha. We are known for our supportive culture, strong values, and people-first approach. Our employees describe Stillwater as a workplace with accessible leadership, strong integrity, and a genuine commitment to teamwork and professional growth. We emphasize collaboration, accountability, and internal development within a high-performing environment.

Requirements

Bachelor’s degree (BA/BS/BBA) or equivalent combination of education and relevant experience
3–5 years of casualty claims handling experience
Strong knowledge of property and casualty insurance policies and claims handling principles
Demonstrated experience investigating and resolving liability and coverage issues
Experience evaluating bodily injury claims and exposure
Solid understanding of loss reserving principles and claim financial management
Strong analytical, investigative, and problem-solving skills
Excellent written and verbal communication skills
Proficiency in Microsoft Office applications, including Excel
Ability to manage multiple claims and competing priorities in a fast-paced environment
Commitment to ethical standards, accuracy, and regulatory compliance
Ability to obtain and maintain required adjuster licenses and continuing education

Nice To Haves

Multi-state casualty claims handling experience
Experience handling disputed, complex, or attorney-represented claims
Familiarity with insurance litigation processes and pre-suit dispute resolution
Working knowledge of Unfair Claim Practice Acts and applicable insurance codes

Responsibilities

Investigate and analyze casualty claims to determine coverage, liability, damages, and exposure
Manage disputed claims including AOBs, CRNs, NOIs, demands, and complex liability and litigation disputes.
Interpret and apply complex policy language while protecting company rights and defenses
Resolve the majority of assigned claims involving coverage determinations
Prepare professional, original correspondence including reservations of rights, non-waiver agreements, disclaimers, partial denials, and coverage determination letters
Perform detailed liability and damage evaluations, including bodily injury assessments and projected settlement ranges
Communicate promptly and professionally with insureds, claimants, attorneys, agents, vendors, and internal stakeholders
Manage disputed claims including AOBs, CRNs, NOIs, demands, and complex liability disputes
Utilize appropriate adjusting resources, including remote tools, independent adjusters, and expert vendors
Establish, monitor, and adjust claim and expense reserves based on claim development
Ensure accurate and thorough claim documentation, file notes, and financial transactions
Identify fraud indicators and refer matters to SIU when appropriate; collaborate with SIU investigators
Identify and pursue subrogation and salvage recovery opportunities
Prepare detailed claim summaries, reports, and litigation narratives for management, reinsurers, and regulatory purposes
Negotiate effectively with claimants, attorneys, and other stakeholders to resolve claims at the optimal loss cost
Ensure compliance with all applicable state insurance laws, Unfair/Fair Claims Practices Acts, and internal claims standards
Deliver professional, solutions-oriented customer service while managing and diffusing conflict