Liability Associate Claim Adjuster (Florida)

Davies • Home, AL

3d • Remote

About The Position

The Liability Associate Claims Adjuster investigates, evaluates, negotiates, and resolves first-party automobile physical damage claims and third-party automobile and general liability property damage claims in accordance with company policies, client service standards, and regulatory requirements. Claims may include automobile collision and comprehensive coverage, automobile property damage, commercial general liability (CGL) property damage, CGL sewer backup, and other casualty or commercial liability exposures depending on the assigned client program. The adjuster manages claims of varying complexity based on level and works with claimants, insureds, attorneys, clients, and internal stakeholders to support timely and effective resolution. This is a fully remote position, but the employee must reside in Florida.

Requirements

• Claims adjusting licenses as required by the jurisdiction (Florida).
• At least 2 years of first-party physical damage, automobile liability, commercial general liability, or closely related experience.
• Strong investigative, analytical, and negotiation skills.
• Excellent written and verbal communication abilities.
• Ability to manage multiple claims while maintaining quality and service standards.
• Knowledge of Florida Sovereign Immunity law.
• Must reside in Florida.

Responsibilities

• Investigate first-party physical damage and third-party liability claims to determine coverage, liability, and damages.
• Review accident reports, witness statements, repair estimates, and related claim materials.
• Interview claimants, insureds, witnesses, and other involved parties.
• Analyze policy provisions and coverage details to determine claim applicability.
• Investigate damages, including repair estimates, loss of use, and diminished value.
• Issue payments in accordance with coverage, liability, damages investigation, company policies, and client service standards.
• Identify subrogation or other risk-transfer opportunities and refer files to the subrogation unit.
• Manage assigned claims from initial report through resolution.
• Establish and maintain appropriate claim reserves based on claim exposure.
• Establish and maintain an appropriate plan of action and file diary.
• Evaluate bodily injury, liability exposure, and property damage.
• Negotiate settlements with claimants, attorneys, and other involved parties.
• Process form letters.
• Maintain regular communication with clients, insureds, claimants, and other involved parties, including providing updates on claim status, strategy, and resolution progress.
• Deliver high-quality customer service.
• Maintain accurate and detailed claim documentation in the claims management system.
• Ensure claim handling complies with company guidelines, regulatory requirements, and client service standards.
• Identify potential fraud indicators and escalate concerns when appropriate.
• Maintain regular and dependable attendance and be available to perform job responsibilities during established work hours.

Benefits

• Medical, dental, and vision plans.
• 401(k) plan with employer matching.
• Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non-exempt employees.
• Paid holidays.
• Life insurance.
• Short-term and long-term disability coverage.
• Where required by law, paid sick leave, paid family and parental leave, and other mandated benefits.

What This Job Offers

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