P & C Liability Property Damage Adjuster - FL License (Remote)

Davies•Florida, FL

1d•Remote

About The Position

Davies North America is seeking a P&C Property Damage Claims Adjuster to adjust first- and third-party property damage claims in a timely, accurate, and professional manner. The role requires an active Florida adjuster license or a license from a state with Florida reciprocity. The adjuster handles claims from initial review through closure, communicates with clients and claimants, evaluates liability and damages, manages documentation and follow-up, and pursues applicable subrogation or other recovery opportunities. The position also involves reviewing vehicle-related claims and crash investigations, coordinating with insureds, claimants, other insurers, attorneys, and defense counsel, and following client guidelines and company procedures. The adjuster is expected to maintain required continuing education, meet a 95% claim closure ratio, and support other claims staff as requested. The role is remote. Essential expectations include dependable attendance and availability to perform responsibilities during established work hours; reasonable accommodations may be made for qualified individuals with disabilities.

Requirements

College degree or equivalent experience.
Active Florida adjuster license or a license from a state with Florida reciprocity.
Maintain continuing-education credits for an adjuster license.
Excellent knowledge of tort law, bad-faith procedures and case law, principles of liability, and medical terminology.
Previous experience settling bodily injury claims.
Proficiency with Microsoft Office Suite.
Proactive, independent, dependable, and takes initiative with consistent follow-through.
Excellent written and verbal communication skills, including timely communication with diverse audiences.
Strong time-management skills and ability to work with and meet deadlines.
Ability to multitask and prioritize, with strong organization and documentation skills in a fast-paced work environment.
High attention to detail and ability to use decision-making and problem-solving skills.
Ability to work collaboratively and independently with minimal supervision.
Discretion when handling sensitive and confidential information.

Responsibilities

Review new claim assignments within 24 hours of assignment and complete the Plan of Action.
Contact the insured or claimant within 24 hours of assignment.
Assign appraisers or coordinate receipt of damage estimates according to client guidelines or approval.
Assess whether estimates or appraisals are appropriate based on reported damages and other evidence.
Gather evidence of damages and set and adjust reserves appropriately.
Interview claimants, insureds as needed, and witnesses.
Evaluate facts and law to determine liability and amounts owed.
Review workflow and claim-system reminders daily, and make significant progress on tasks within 72 hours of receipt or reminder.
Request payment authorization according to client guidelines and company policy and procedures.
Follow client guidelines for claim denials.
Obtain internal investigation reports from the insured or client when permitted.
Maintain professional and timely communication with clients.
Determine the degree of attorney involvement, if any.
Handle claims in good faith from initial handling through closure.
Set appropriate follow-up reminders in the claim system.
Accurately document claim-related communications and activities in claim-system notes.
Follow branch procedures for maintaining copies of documents relevant to the claim file, including email.
Meet adjuster-license continuing-education requirements and maintain required CEU credits.
Maintain a 95% claim closure ratio.
Report qualifying claims to the excess carrier and read and understand the Excess Carrier Insurance Policy.
Immediately notify the supervisor and client of any Summons and Complaint received; identify assigned defense counsel and communicate and cooperate with counsel.
Develop a working knowledge of Loss of Business Income and Extra Expense.
Check claimant compliance with the provisions in E.S. 627.52 Coverage Team.
Evaluate claims for subrogation opportunities and possible fraud.
Identify and pursue subrogation, contribution, indemnification, or other opportunities to make third parties bear their share of responsibility.
Interview the insured driver or other involved employee.
Determine the injury status of all persons involved in a crash investigation and obtain a recorded statement immediately if injury is indicated.
Obtain a Certificate of Destruction when required by statute for a total loss.
Verify vehicle ownership.
Arrange removal of a claimant vehicle from facilities where storage is accruing, with claimant permission when settlement has not occurred and liability rests with the insured.
Interact with other insurance-company adjusters and obtain information needed to process claims.
Send subrogation paperwork to the claimant and/or their insurer and follow up until subrogation efforts are complete.
Check for lien holders before making payment.
Assist others as requested by the Claims Supervisor or Manager.
Maintain regular and dependable attendance and be available to perform job responsibilities during established work hours.

Benefits

Medical insurance plans
Dental insurance plans
Vision insurance plans
401(k) plan with employer matching
Discretionary Time Off for exempt employees
Paid Time Off for non-exempt employees
Paid holidays
Life insurance
Short-term disability coverage
Long-term disability coverage
Paid sick leave, paid family leave, paid parental leave, and other mandated benefits where required by law