Claims Adjuster

HomeFirst Agency, Inc. • Maryville, TN

21h • $22 - $27 • Hybrid

About The Position

The Claims Adjuster I reviews and processes property damage and loss claims. Reporting to the Claims Team Lead, the adjuster works with claims experts and leadership to investigate claims, interpret insurance policy terms and conditions, determine applicable coverage and exclusions, and support claims decisions. The position communicates with policyholders and other claim representatives to collect information, provide claim updates, explain processes and decisions, and help negotiate fair settlements under the oversight of the Claims Team Lead.

The role also supports customer service, workflow management, required adjuster licensing and continuing education, and training or job shadowing for new hires. The position is full-time and hourly, with a hybrid schedule of three days in the office and two days remote after training. Travel is as needed.

Requirements

• High school diploma or equivalent required.
• Strong computer skills, including the ability to use Microsoft Office Suite.
• Knowledge of applicable state and federal laws and regulations.
• Effective communication by phone, email, and in person.
• Ability to gather facts accurately, analyze causes, evaluate alternatives, and reach sound conclusions.
• Ability to manage multiple or conflicting responsibilities.
• Strong attention to detail, organization, and time management.
• Sense of urgency and reliable follow-up.
• Ability to handle stressful situations and work in a team environment.
• Ability to make relatively complex decisions.
• Must obtain a required adjuster license within 90 days of hire if not already licensed and maintain state licensing requirements, including continuing education when required.

Nice To Haves

• College degree preferred.
• 0–2 years of related experience preferred.
• Current Property & Casualty Adjuster license preferred but not required.
• Claims experience is helpful.
• Working knowledge of AS/400 and a basic understanding of insurance are a plus.
• Ability to adapt to periodic changes.

Responsibilities

• Maintain accurate, detailed notes of claim interactions, decisions, and actions.
• Review and investigate claim materials—including photos, estimates, forms, receipts, inspection reports, and official reports—with Claims Team Leads and trainers.
• Review, partner on, and process property damage claims submitted by policyholders.
• Interpret and apply insurance policy provisions to determine coverage based on investigation findings, in consultation with claims trainers and leadership.
• Conduct and record interviews with insureds to obtain information about personal loss.
• Gather information from claimants and their representatives, and negotiate fair and equitable settlements under Claims Team Lead oversight.
• Coordinate with other insurance carriers regarding duplicate claims and coverage as needed.
• Select and assign claims for inspections.
• Request and issue settlement checks and explanation letters based on policy terms and investigation findings, within limited authority.
• Prepare and issue denial letters explaining the reasons for denial based on policy terms and investigation findings.
• Identify potential fraudulent claims and refer them for further investigation when warranted.
• Ensure claims handling complies with company and regulatory policies.
• Escalate complex claims, complaints, and litigation matters to management and legal teams.
• Consult with Claims Team Leads on claim disagreements and alternative dispute resolution, including arbitration, appraisal, and mediation.
• Collaborate with management on arbitration, appraisal, and mediation matters.
• Maintain workflow to ensure timely claim processing and consult claims leadership about difficult or unusual situations.
• Prepare responses to complaints or legal issues received.
• Provide professional, prompt, efficient, and empathetic service to claimants.
• Communicate regularly with policyholders and other relevant parties about claim status and questions or concerns.
• Support related teams during periods of high workload to meet or exceed service levels.
• Educate policyholders about the claims process and coverage through ongoing communication.
• Sort and respond to incoming emails.
• Assist with one-on-one training or job shadowing for new hires.
• Complete required state continuing education to maintain and renew an adjuster license.
• Perform other duties as assigned.

Benefits

• Flexible health, dental, and vision benefits package for full-time team members.
• 401(k) program with investment options and company matching for full-time and part-time team members after one year.
• Paid parental leave.
• Tuition reimbursement.
• Employee Assistance Programs.
• Paid time to volunteer through the Clayton Impact program.
• Wellness programs covering physical, nutritional, social, financial, spiritual, and occupational wellness, available online or in person.
• Onsite restaurant and fitness facility with full gym, workout classes, yoga/barre studio, volleyball and basketball courts, walking paths, and a disc golf course.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED