Property and Liability Claims Adjuster

Davies • Home, WV

9h • $60,000 - $75,000 • Remote

About The Position

Davies North America is looking for an experienced Commercial Property and Liability Claims Adjuster. Reporting to the Liability Claims Supervisor, this role is responsible for end-to-end management of Commercial Property, General Liability, and Auto Claims primarily for Agriculture Insurer specialty programs. To be successful in this role, the candidate must be a results-oriented professional with strong organizational skills and the ability and desire to deliver quality claims service. This role is a full-time, home-based remote position.

Requirements

• A minimum of five years handling property, general liability, auto liability, and complex claims with a consistent high level of performance and achievement.
• Active Florida All-Lines Adjuster License (5-20 or 6-20).
• Background in both Excess & Surplus Lines (Lloyds) as well as Standard carrier programs.
• Knowledge of current case law, statutory law, DOI regulations, etc. that apply to claims practices and issues within the territory of operation.
• Ability to plan, organize and establish priorities to maintain various responsibilities under critical deadlines.
• Ability to review and interpret routine and complex policy contracts and coverage.
• Ability to prepare detailed reports and recommendations to clients.
• Possess sound analytical and negotiation skills

Responsibilities

• Evaluate, investigate, negotiate and resolve commercial / agricultural property claims in accordance with legal, regulatory and internal standards.
• Verify coverage under the applicable Property insurance policy.
• Coordinate with field adjusters and experts for inspections or further investigation.
• Review supporting documentation submitted for the claims and properly note the details of the review within the file.
• Analyze damage estimates and repair costs as well as review vendor invoices for accuracy.
• Identify potential issues such as fraud, duplicate claims, or policy exclusions.
• Communicate with policyholders, adjusters, contractors, and other stakeholders regularly to ensure constant claim progression and keep all involved parties updated.
• Conduct prompt, accurate investigations of liability claims, interview all relevant parties to obtain loss events facts and to establish liability; handle claims files to final resolutions.
• Analyze claim exposures, determine the proper courses of action, and appropriately settle claims, evaluating evidence by interpreting facts within applicable legal frameworks to determine liability and claim values.
• Develop settlement/litigation/defense strategies by evaluating factual information to settle claims in a cost-effective manner; work with defense attorneys and the client per account handling guidelines.
• Document and communicate all claim activity timely and effectively which supports the outcome of claim files, in accordance with established procedures; develop and maintain a progressive plan of action.
• Prepare written status and large loss reports for clients, including Reservation of Rights and Coverage Position Letters.
• Handle appeals or disputes related to claim decisions.
• Utilize a diary system effectively and appropriately to keep claims files current.
• Examine and address claim files reserves for accuracy.
• Effectively identify, evaluate, and handle risk transfer on liability claims.
• Attend mediations and settlement conferences as necessary.
• Stay updated on industry trends, policy changes, and best practices.
• Maintain current knowledge of laws and statutes pertinent to liability claims handling, maintain CEUs and licensing in current and/or active status, as appropriate.
• Perform other duties as assigned.

Benefits

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time‑off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non‑exempt employees
• Paid holidays
• Life insurance and short‑term and long‑term disability coverage
• paid sick leave
• paid family and parental leave

What This Job Offers

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