Property Adjuster Specialist Field

Distro•Fort Collins, CO

2d•Hybrid

About The Position

As a dedicated Field Property Adjuster Specialist, you will work within defined guidelines to investigate, evaluate, negotiate, and settle complex property insurance claims. You will confirm/analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulations. This role utilizes technology and desk adjusting for a virtual-first approach to inspections and claims handling. A company vehicle is provided for physical inspections within your local territory, and you may travel outside the area when needed.

Requirements

High School Diploma or equivalent.
Minimum 2 years experience in property claims adjusting of moderate complexity.
Advanced skills in estimating losses with Xactimate or similar platforms.
Experience handling high-severity claims (fire, water, vandalism, etc.) in the field.
Proficient knowledge of residential construction, claims contracts, case law, and state regulations.
Strong negotiation, investigation, communication, and conflict resolution skills.
Ability to multitask, prioritize, and solve problems.
Willingness to travel 50-75% locally and non-locally and participate in catastrophe duty as needed.
Obtain insurance adjuster license within 90 days (up to 3 attempts).
Experience working for a standard insurance carrier handling claims from start to finish.
May require successful completion of a job-related assessment.

Nice To Haves

Residential property field adjusting experience.
Proficiency with estimating and virtual inspection tools like Xactimate, ClaimXperience, XactAnalysis.
Insurance designations such as AINS, CPCU, AIC, or SCLA or working towards them.
Active Property & Casualty adjuster license.
US military experience or military spouse/domestic partner status.

Responsibilities

Manage a caseload of complex claims, requiring knowledge of claims coverage and potential legal liability.
Collaborate with vendors, internal partners, and external regulators for claims resolution and compliance.
Investigate claim damages using various sources and identify subrogation potential.
Identify coverage concerns, review prior loss history, and create Special Investigation Unit (SIU) referrals as needed.
Determine and negotiate claims settlements within authority limits; coordinate with management for settlements beyond limits.
Maintain accurate and current claim file documentation.
Utilize estimating technology and virtual inspection tools for complex claims.
Support workload surges and catastrophe response operations, including on-call duties and potential travel.
Handle various claims, including high complexity, and independently solve complex problems.
Adjust claims involving attorneys and address jurisdictional challenges.
Travel as needed for claims resolution, training, and inspections.
Identify and manage risks per company policies.