Property Large Loss General Adjuster

Fortegra•Dallas, TX

About The Position

The Property Large Loss General Adjuster investigates, evaluates, and resolves complex property insurance claims involving significant structural, commercial, or high-value residential losses. The role manages large-scale claims from initial assignment through final resolution, using technical expertise, negotiation skills, and customer service to support policyholders, agents, and internal partners. This is a field-based role with significant travel, including possible short-notice travel and catastrophe deployments. The adjuster may inspect damaged structures by climbing, walking on uneven surfaces, or working in post-disaster environments. Occasional extended hours may be required during catastrophe events or high-volume periods. The position also serves as a subject matter expert on high-severity property claims, mentors junior adjusters, and contributes to training, reviews, audits, and quality assurance. The listed duties describe the general nature of the work and are not exhaustive.

Requirements

15 or more years of property claims adjusting experience, including handling large or complex losses.
Active adjuster license(s) as required by state, or ability to obtain them.
Strong technical knowledge of property construction, building codes, and repair methodologies.
Proficiency with claims technology and estimating software, such as Xactimate.
Excellent analytical, problem-solving, and communication skills.
Ability to travel frequently, sometimes on short notice, including for catastrophe deployments.
Ability to inspect damaged structures, including climbing, walking on uneven surfaces, or working in post-disaster environments.

Nice To Haves

Experience with commercial property, industrial risks, or high-net-worth residential claims.
Professional certifications such as AIC, CPCU, PCLA, SCLA, or similar.
Background working with independent adjusting firms, insurance carriers, or third-party administrators (TPAs).

Responsibilities

Lead investigations of major property losses, including fire, water, wind, catastrophe-related damage, and specialty commercial claims.
Conduct on-site inspections to determine the scope, cause, and extent of damage.
Analyze policy coverage, exclusions, and endorsements to establish claim validity and compensability.
Coordinate and oversee engineers, forensic accountants, contractors, appraisers, and specialty consultants.
Develop detailed estimates, repair scopes, and settlement valuations using industry-standard tools such as Xactimate.
Manage large and complex claim files and ensure timely, accurate documentation throughout the claim lifecycle.
Communicate with insureds, agents, legal counsel, and internal stakeholders to provide updates and set expectations.
Negotiate fair and efficient settlements in accordance with policy terms, industry standards, and company guidelines.
Identify potential fraud indicators and follow appropriate escalation procedures.
Serve as a subject matter expert on high-severity property claims for colleagues, underwriting teams, and management.
Mentor junior adjusters and contribute to departmental training and development initiatives.
Participate in large-loss reviews, audits, and quality assurance programs.
Prepare detailed reports, coverage analyses, and settlement recommendations for management review.
Ensure claim handling complies with state regulations, company procedures, and industry best practices.
Maintain accurate, organized files and meet regulatory and internal reporting timelines.