Property Liability Specialist

Assurant

1d•$56,200 - $94,100•Remote

About The Position

This role is for an experienced Property Liability Claims Adjuster to manage a caseload of low to moderate severity Homeowners Liability claims, primarily Renters and Condo, with typical exposures up to $20,000. The role focuses on non-litigated liability claims from first notice of loss through resolution and requires independent judgment, strong analytical skills, and confident negotiation. It is designed for adjusters who thrive on investigating facts, applying state-specific liability law, and negotiating fair, defensible settlements, emphasizing liability reasoning over property knowledge.

Requirements

Active Adjuster’s License in all applicable states (or ability to obtain/maintain as required)
Bachelor’s degree plus 3+ years of liability claims experience
Expert knowledge of comparative and contributory negligence, joint & several liability, and pro-rata fault
Excellent verbal and written communication skills
Strong critical thinking, analytical reasoning, and problem-solving abilities
Highly organized with the ability to manage multiple claims in a fast-paced environment
Self-starter comfortable working independently and making defensible decisions
Proven experience making independent liability decisions, including shared and disputed liability scenarios.
Strong investigative mindset—able to analyze loss dynamics, assumption of risk, and proportionate fault.
Confident, professional negotiation skills, especially when damages or liability are contested.
Ability to work autonomously while exercising sound judgment and accountability.

Nice To Haves

Auto Liability or Bodily Injury claims experience (including non-attorney and attorney-represented) with demonstrated progression in claim complexity
Experience handling multi-state claims, independently researching and applying varying laws.
Comfort negotiating with attorneys, contractors, and other carriers.

Responsibilities

Manage an assigned inventory of Homeowners Liability claims, evaluating negligence, comparative fault, and compensability based on facts, investigation, and applicable state law.
Conduct and direct thorough investigations—reviewing statements, police reports (as data points only), evidence, and loss circumstances—to determine pro-rata liability, not assumed fault.
Apply state-specific comparative and contributory negligence laws, joint & several liability principles, and regulatory requirements across multiple jurisdictions.
Establish and execute an action plan on each claim aligned with best practices, internal protocols, and legal standards.
Assess policy language and coverage, clearly communicating any coverage issues to insureds.
Set, monitor, and recommend indemnity and expense reserves at appropriate levels, escalating outside authority when needed.
Evaluate actual damages and negotiate settlements within assigned authority, defending liability positions with confidence and logic.
Prepare clear, concise claim documentation and reports for internal stakeholders, clients, and brokers.
Partner with policyholders, claimants, attorneys, coverage counsel, and vendors throughout the claim lifecycle.
Identify claim trends and coverage or policy concerns and communicate insights to management and underwriting.
Stay current on evolving court decisions, statutes, and liability practices through ongoing training and education.