Senior Property Adjuster - Chicago, IL
About The Position
The Senior Property Adjuster investigates commercial property claims and determines and communicates the extent of loss or damage across a variety of business classes. Assignments are typically in a moderate cost range, with larger or more complex claims assigned based on the adjuster’s experience and demonstrated ability. This is a field position in the Chicago market within EMA Loss Adjusting, reporting to the Claims Manager. The adjuster conducts property inspections, documents sites with photographs, gathers information from claimants and relevant experts, and assesses losses from events such as severe weather, earthquakes, fire, vandalism, and accidents. The role applies knowledge of property, construction, insurance policies, and policy interpretation to estimate losses and recommend appropriate claim payments. It may also involve time-element and builders’ risk losses. The position requires clear and timely reports, accurate estimates and records, sound judgment, and effective coordination with claimants, carriers, experts, attorneys, and other parties. Work frequently takes place at damaged properties, including catastrophe sites, and may involve travel, challenging environmental conditions, and physically demanding inspections.
Requirements
- 2–5 years of experience in commercial property loss adjusting.
- Experience with catastrophe claims.
- Broad experience with business risks and property claims, including manufacturing, retail, industrial, habitational, and hospitality.
- Ability to understand the claims adjudication process and sound knowledge of commercial and residential construction industries.
- Knowledge of property claim law.
- Active license in the assigned state(s), or ability to promptly obtain one.
- Exceptional written and verbal communication skills.
- Ability to manage multiple priorities and meet deadlines.
- Strong customer-service orientation.
- Ability to analyze, interpret, and report pertinent information, distinguishing essential from non-essential details.
- Strong research and investigative skills.
- Conflict-resolution and persuasion abilities.
- Organization and attention to detail.
- Excellent problem-solving and critical-thinking skills.
- Ability to work independently and as part of a team.
- Proficiency with Microsoft Word, Microsoft Excel, Xactimate, and Corelogic, and ability and openness to adapt to new technologies.
- Ability to meet the physical and environmental demands of property inspections, including climbing, crawling, lifting up to 50 pounds, and working in varied indoor and outdoor conditions.
Nice To Haves
- Bachelor’s degree preferred.
Responsibilities
- Investigate insurance claims across a range of commercial property settings and assess damage resulting from weather events, earthquakes, fire, vandalism, accidents, and other causes.
- Assess time-element and builders’ risk losses when assigned.
- Personally conduct property inspections and photograph claim sites as necessary to document and substantiate losses or damage, or the lack thereof.
- Obtain information from claimants and experts through interviews and other methods to accurately assess losses.
- Interact with and coordinate the work of diverse experts; cooperate with expert witnesses, attorneys, public adjusters, and carrier examiners as needed.
- Apply knowledge of property, construction, business classes, insurance policies, and policy interpretation to establish loss estimates and recommend appropriate claim payments.
- Ensure the accuracy of collected and reported information and guard against fraudulent claims.
- Prepare accurate, clear, thorough, and concise reports and letters to insurance carriers, including conclusions and recommendations.
- Follow established policies, procedures, processes, and insurer standards; exercise sound judgment and submit reports and documents on time.
- Use software such as Xactimate to prepare accurate estimates.
- Maintain field notes, journal entries, and time and expense records; submit reimbursement reports according to organizational and client practices.
- Apply time-and-expense and fee-for-service procedures in accordance with insurer agreements.
- Prepare and conduct presentations and produce special reports for insurance carriers as assigned or required.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
