Claims Adjuster

Towne Park•Plymouth Meeting, PA

About The Position

The Insurance Claims Adjuster manages a diverse, multi-state portfolio of Auto, General Liability, Casualty, and Property claims from first notice of loss through investigation, resolution, and closure. The role evaluates coverage, liability, damages, reserves, and settlement opportunities; negotiates settlements; and maintains accurate claim documentation. It also provides responsive, empathetic communication to claimants and works with Operations, Accounting, Risk Management, third-party administrators, insurance carriers, attorneys, vendors, and other partners. The position identifies subrogation, recovery, fraud, and cost-saving opportunities, supports complex and litigated claims, and complies with applicable laws, policies, and procedures. Towne will pay for required state adjuster licenses that a candidate does not yet hold, to be obtained within the timeframe set at hire.

Requirements

High school diploma or GED.
Insurance adjuster licenses required in all 33 states where Towne handles claims; candidates may be considered if they do not yet hold every required license, with remaining licenses to be obtained within the timeframe set at hire.
Maintain all licenses in good standing, including continuing education requirements.
Minimum 4–6 years of insurance claims adjusting experience.
Experience handling Auto, General Liability, Casualty, and Property claims.
Strong knowledge of claims investigation, liability determination, coverage analysis, reserving, negotiation, and settlement practices.
Understanding of self-funding, self-insured retentions, and third-party administrator (TPA) concepts.
Strong customer-service orientation, balancing claimant and business needs while maintaining claims-handling standards.
Ability to independently manage a high-volume caseload accurately and maintain complete documentation.
Proficiency in MS Office, including Excel, Word, and Outlook, and Riskonnect or similar claims-handling systems.
Excellent verbal and written communication with internal teams, customers, vendors, TPAs, and attorneys.
Good judgment and discretion in processing and documenting claim files.
Willingness to learn claims and litigation topics relevant to the company and department.
Ability to perform the described physical demands, including occasional lifting or exertion of up to 50 pounds and frequent exertion of up to 25 pounds.

Nice To Haves

Some college.
Workers' Compensation claims experience.
Insurance claims adjusting experience in a multi-state environment.

Responsibilities

Manage multi-state claims from first notice of loss through investigation, resolution, and closure.
Review estimates, expense bills, invoices, and other claim documentation; maintain accurate claim notes, reserves, payments, and supporting documents in the claims system.
Evaluate coverage, liability, damages, reserves, and settlement opportunities.
Negotiate settlements with claimants, attorneys, carriers, vendors, and other parties.
Gather information, investigate incidents, and identify trends to speed resolution.
Respond to calls, emails, and requests from attorneys, carriers, clients, and Operations.
Communicate responsively and empathetically with claimants about the process, next steps, and timelines.
Comply with state and federal laws and company policies and procedures.
Answer claim and payment inquiries, assist with rental car assignments, and set up new claim files.
Identify subrogation, recovery, fraud, and cost-saving opportunities; send and respond to reimbursement demands, including intercompany arbitration.
Transmit documents to Towne's claims TPAs.
Escalate significant, complex, litigated, or high-exposure claims appropriately and support risk leadership on complex claims, including claims in litigation.
Maintain required adjuster licenses in good standing, including continuing education requirements.
Use claim data and system reporting to identify trends and improve visibility, accountability, and claimant experience.