Claims Adjuster

Clayton Homes • Maryville, TN

1d • Hybrid

About The Position

The Claims Adjuster I reviews property damage and loss claims, works with experts and internal claims teams to assess claims, and helps determine coverage under insurance policies. The role gathers information from policyholders and other parties, communicates claim status and decisions, and supports fair claim resolution under the oversight of the Claims Team Lead. 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 required as needed.

Requirements

• High school diploma or equivalent.
• Strong computer skills, including the ability to use Microsoft Office Suite.
• Excellent knowledge of applicable state and federal laws and regulations.
• Ability to communicate effectively 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 and adapt to periodic changes.
• Must obtain a Property & Casualty Adjuster license within 90 days of hire if not already licensed, and maintain state licensing requirements through continuing education when required.
• Ability to remain stationary for 75% of the time and operate a computer and office productivity equipment.
• Ability to communicate via phone, Teams, and Zoom and exchange accurate information.
• Ability to identify and assess account status and determine the appropriate process.

Nice To Haves

• College degree.
• 0–2 years of related experience.
• Current Property & Casualty Adjuster license.
• Claims experience.
• Working knowledge of AS/400.
• Basic understanding of insurance.

Responsibilities

• Maintain accurate, detailed notes of claim interactions, decisions, and actions.
• Review and investigate claim documentation, including photos, estimates, forms, receipts, inspection reports, and official reports, in partnership with claims leadership and trainers.
• Review, process, and evaluate property damage claims submitted by policyholders.
• Interpret insurance policy provisions with claims trainers and leadership to determine applicable coverage and exclusions.
• Conduct, document, and record interviews with insured parties to gather information about personal losses.
• Work with claimants and their representatives to gather information and negotiate fair settlements under the Claims Team Lead’s oversight.
• Coordinate with other insurance carriers on duplicate claims and coverage issues.
• Select and assign claims for inspection.
• Request and issue settlement checks with explanation letters based on policy terms and investigation findings, within limited authority.
• Prepare and issue denial letters that explain decisions based on policy terms and investigation findings.
• Identify potentially fraudulent claims and refer them for further investigation as 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 to resolve claim disagreements using arbitration, appraisal, or mediation, and collaborate with management on those processes.
• Maintain workflow to process claims on time and partner with claims leadership on difficult or unusual situations.
• Prepare responses to complaints or legal issues.
• Provide professional, empathetic customer service and communicate regularly with claimants about claim status, questions, and concerns.
• Support related teams during periods of high work volume 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 state continuing education requirements to maintain and renew an adjuster license.
• Perform other duties as assigned.

Benefits

• Flexible selection of health, dental, and vision benefits for full-time team members.
• Competitive 401(k) program with investment options and company matching after one year for full-time and part-time team members.
• Paid parental leave.
• Tuition reimbursement.
• Employee Assistance Programs.
• Paid time to volunteer through the Clayton Impact program.
• Physical, nutritional, social, financial, spiritual, and occupational wellness programs.
• Onsite restaurant and fitness facility with full gym.
• In-person and virtual 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