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

Davies • Home, WV

3d • $47,500 - $52,500 • Remote

About The Position

Davies North America is hiring a P&C Property Damage Claims Adjuster to adjust first- and third-party property damage claims in a timely, accurate, and professional manner. The position is remote in the United States and requires an active Florida adjuster license or a license from a state with Florida reciprocity. Public sector experience is highly preferred.

The adjuster manages claims from assignment through closure, including reviewing assignments and contacting insureds or claimants promptly, evaluating damages and liability, setting reserves, arranging estimates or appraisals, coordinating payments and denials under client guidelines, and maintaining accurate claim records. The role also involves communicating with clients, claimants, attorneys, defense counsel, insurers, and other involved parties; assessing subrogation and fraud opportunities; and meeting claim closure and regulatory requirements.

The position reports to the Liability Claims Manager. Employment is permanent and full-time. The listed annual compensation range is $47,500–$52,500.

Requirements

• College degree or equivalent experience.
• Active Florida adjuster license or a 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, liability principles, 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 and the ability to communicate promptly 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 environment.
• High attention to detail and 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 and adjust reserves appropriately.
• Interview claimants, insureds as necessary, witnesses, insured drivers, or other involved employees.
• 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.
• 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 claim-system reminders for necessary follow-up and accurately record claim-related communications and activities in claim notes.
• Follow branch procedures for mirroring relevant documents, including emails, in the claim file.
• Meet continuing education requirements for adjuster licensure.
• Maintain a 95% claim closure ratio.
• Report claims to the excess carrier when required 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 counsel.
• Develop 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, and pursue subrogation, contribution, indemnification, or other means of allocating responsibility to third parties.
• 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 exists upon the insured.
• Interact with other companies’ insurance adjusters to obtain information needed to process claims.
• Send subrogation paperwork to the claimant or their insurer and follow up through completion of subrogation efforts.
• 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 responsibilities during established work hours.

Benefits

• Medical, dental, and vision plans.
• 401(k) plan with employer matching.
• 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
• Career Level: Mid Level