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

Davies • Home, AL

2d • Remote

About The Position

Davies North America is seeking a P&C Property Damage Claims Adjuster to handle 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. Public sector experience is highly preferred.

The adjuster reviews and investigates claims, evaluates liability and damages, coordinates estimates and appraisals, sets reserves, communicates with clients and claimants, and pursues appropriate payments and recovery opportunities. The position also involves handling claim documentation and workflow, cooperating with defense counsel, and reporting qualifying claims to excess carriers. The successful candidate maintains professional communication, acts in good faith throughout the claim lifecycle, and meets licensing continuing-education requirements.

The role is remote. Davies describes benefits for qualifying employees, with benefit offerings and eligibility varying by role classification and applicable law. The company also notes that reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Requirements

• College degree or equivalent experience.
• Active Florida adjuster license or an adjuster license from a state with Florida reciprocity.
• Maintain continuing-education credits for the 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 able to take initiative with consistent follow-through.
• Excellent written and verbal communication skills, with timely communication to diverse audiences.
• Strong time-management skills and ability to meet deadlines.
• Ability to multitask, prioritize, organize, and document work in a fast-paced environment.
• High attention to detail and sound decision-making and problem-solving skills.
• Ability to work collaboratively and independently with minimal supervision.
• Ability to exercise discretion with sensitive and confidential information.

Nice To Haves

• Public sector experience.

Responsibilities

• Review new claim assignments within 24 hours of assignment or completion of 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.
• Determine whether estimates or appraisals are appropriate based on reported damages and other evidence.
• Gather evidence of damages and set or adjust reserves appropriately.
• Interview claimants, insureds as necessary, and witnesses.
• Evaluate facts and law to determine liability and amounts owed.
• Review workflow and claim-system reminders daily, following up and making significant progress on tasks within 72 hours.
• Request payment authorization according to client guidelines and company policies 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 the client.
• Determine the degree of attorney involvement, if any.
• Handle claims in good faith from beginning to closure.
• Set appropriate claim-system reminders for necessary follow-up.
• Accurately record communications and claim-related activity in claim-system notes.
• Follow branch procedures for maintaining copies of relevant documents received, including email.
• Meet adjuster licensing continuing-education requirements.
• Maintain a 95% claim closure ratio.
• Report claims meeting applicable requirements to the excess carrier and read and understand the excess carrier insurance policy.
• Immediately notify the supervisor and client upon receipt of a Summons and Complaint, identify assigned defense counsel, and communicate and cooperate with defense 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 have 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 the claimant's vehicle from facilities where storage is accruing, with claimant permission if settlement has not occurred and the insured has liability.
• Interact with other insurance companies' adjusters to obtain information needed to process claims.
• Send subrogation paperwork to the claimant and/or their insurer and follow up through completion of subrogation efforts.
• Check for lienholders before making payment.
• Assist others as requested by the Claims Supervisor or Manager.
• Maintain regular and dependable attendance and be available to perform responsibilities during established work hours.

Benefits

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

What This Job Offers

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