Claims Complex Property Adjuster CA

AAA • Costa Mesa, CA

2d • $39 - $51

About The Position

The Claims Complex Property Adjuster supports the Property Claims operation by handling high-complexity claims reported on Homeowner policies written by the Interinsurance Exchange. The role investigates losses, evaluates coverage and damages, develops negotiation strategies, and resolves claims in compliance with regulatory and statutory requirements. It uses discretion and independent judgment to meet state and federal requirements while applying company technical and customer service practices.

The adjuster handles first-party claims across multiple markets, explains policy coverage and the claims process, addresses complex coverage and subrogation issues, and negotiates settlements within assigned authority. The position also mentors less experienced colleagues, may participate in legal proceedings and provide expert testimony, and prepares formal reports on high-profile claims for senior management. Occasional travel to off-site business meetings or conferences is expected.

Requirements

• 7–9 years of prior claims handling experience.
• Working knowledge of claims administration best practices and procedures.
• Advanced knowledge of insurance, coverage investigation, scope and damage assessment, negligence, and subrogation principles.
• Advanced knowledge of Microsoft Office, general computer software, and claims software.
• Comprehensive understanding of building and vehicle repair procedures and third-party liability issues.
• Advanced leadership skills among peers.
• Advanced organization, planning, and recognition skills.
• Advanced oral and written communication skills.
• Advanced interpersonal skills.
• Valid driver's license, acceptable Department of Motor Vehicles record, and minimum liability insurance.
• An insurance or claims adjuster license may be required for claims administration in specific states.

Nice To Haves

• Bachelor's degree or equivalent combination of education and experience.
• 7–9 years of property claims administration experience.
• Chartered Property Casualty Underwriter designation from the Insurance Institute of America.
• Associate in Claims designation from the Insurance Institute of America.

Responsibilities

• Identify and obtain statements from insureds, claimants, and witnesses; conduct phone investigations to determine coverage and damages and distinguish allegations from facts.
• Determine policy obligations by assessing liability and damage components of losses, and maintain appropriate claim activities and service levels.
• Communicate with members, insureds, claimants, vendors, and internal and external departments.
• Explain policy coverages, benefits, and the claims process verbally or in writing in compliance with regulatory and statutory requirements.
• Recognize and address complex coverage and subrogation issues.
• Evaluate, assess, and negotiate first-party claims within settlement authority across multiple markets.
• Assess personal property, property damage, coverage, loss of use, arbitration responses, and damages; use claims technology and tools proficiently.
• Identify and address issues that may be questioned in an audit.
• Mentor and assist in training less experienced personnel and coach colleagues on claim files.
• Attend and participate in legal proceedings as needed; direct and interact with in-house and outside counsel on litigated files.
• Provide sworn expert testimony in courtroom or deposition settings.
• Prepare comprehensive formal reports on high-profile claims for senior management.
• Respond promptly to customer needs and problems.

Benefits

• Medical, dental, and vision coverage.
• 401(k) savings plan with company match and pension.
• Tuition assistance.
• Floating holidays and PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts on membership, insurance, travel, entertainment, services, and more.
• Incentive program eligibility for full-time positions, based on organization, team, and personal performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed