Property Claim Adjuster - Jacksonville, FL

Stillwater Insurance Group•Jacksonville, FL

17d•Onsite

About The Position

The Property Claim Adjuster investigates, evaluates, negotiates, and resolves homeowner, dwelling, condominium, renters, and commercial property claims across Stillwater Insurance Group’s 50-state market. This is an in-office, desk-based position in Jacksonville, Florida, requiring technical adjusting expertise, analytical capability, and the ability to make complex coverage and damage determinations while delivering exceptional customer service. The role supports accurate and timely claims handling, including interpreting policy language, documenting files and reserves, preparing coverage correspondence, and managing disputed or complex claims. The adjuster works with policyholders, agents, contractors, public adjusters, attorneys, independent adjusters, and internal stakeholders, and ensures compliance with applicable laws, regulations, and company standards. Stillwater describes its culture as supportive, collaborative, and people-focused, with opportunities for cross-training and professional growth. Employment offers are contingent on successful completion of a background investigation and pre-employment drug screening.

Requirements

At least 5 years of property claim experience as an adjuster with an insurance carrier.
Bachelor’s degree (BA/BS/BBA) or equivalent combination of education and relevant experience.
Strong knowledge of property and casualty insurance policies and claims handling principles.
Demonstrated experience investigating and adjusting residential and/or commercial property claims.
Demonstrated experience using Xactimate to write, review, and edit property damage estimates.
Strong analytical, investigative, and problem-solving skills.
Solid written and verbal communication skills.
Proficiency in Microsoft Office applications, including Excel.
Ability to manage multiple claims and competing priorities in a fast-paced environment.
Commitment to ethical standards, accuracy, and regulatory compliance.
Ability to maintain required adjuster licenses and continuing education.

Nice To Haves

Experience handling multi-state property claims.
Familiarity with Unfair/Fair Claims Practices and applicable insurance codes.
Experience managing litigated or complex property claims.

Responsibilities

Investigate and analyze property claims to determine coverage, liability, and damages.
Interpret and apply policy language accurately while protecting company rights.
Prepare professional correspondence, including reservation of rights, non-waiver agreements, disclaimers, and coverage determination letters.
Communicate clearly and promptly with insureds, agents, contractors, public adjusters, attorneys, and internal stakeholders.
Use remote inspection tools and independent adjusters as appropriate.
Establish and maintain accurate claim documentation, file notes, and reserves.
Identify and pursue subrogation and salvage recovery opportunities.
Manage disputed claims, including AOBs, CRNs, NOIs, and complex scope or pricing disputes.
Prepare detailed claim summaries and reports for management and regulatory purposes.
Create and audit property damage estimates using Xactimate and continuously refine estimating proficiency.
Ensure compliance with applicable state insurance laws, regulatory requirements, and internal claims handling standards.
Provide professional, solutions-focused customer service while effectively managing conflict.