Senior Property Claims Adjuster

• Independently investigates, evaluates, negotiates, and resolves large and moderately complex to complex commercial property and reinsured cyber claims, including litigated matters, within assigned authority

• Analyzes coverage, cause of loss, scope, valuation, and business income exposure; establishes timely and adequate reserves

• Conducts field inspections and oversees re-inspections, including participation in catastrophe operations

• Coordinates and manages experts and vendors (e.g., engineers, remediation firms, contractors, origin and cause specialists) to address urgent claim needs and preserve evidence

• Communicates claim status, coverage positions, and resolution strategies with insureds, agents, attorneys, and internal partners

• Develops negotiation strategies, evaluates settlement ranges, and negotiates claim settlements in accordance with company guidelines

• Drafts and issues reservation of rights, denial letters, settlements, proofs of loss, and payments with accuracy and compliance

• Manages litigated claims, recommends defense counsel, and collaborates with attorneys through mediation, appraisal, arbitration, or trial

• Identifies recovery, subrogation, and potential fraud opportunities; partners with SIU as appropriate

• Reviews and audits estimates and invoices for accuracy, reasonableness, and cost-effective repair solutions

• Collaborates with Underwriting, Risk Improvement, and other specialty units to support risk evaluation and account management

• Serves as a technical resource and mentor to less experienced adjusters and participates in cross-functional initiatives

Education & Experience:

• Bachelor’s degree or equivalent relevant experience

• Five years of property claims adjusting experience or related experience

• Relevant insurance designations preferred

Knowledge, Skills & Abilities:

• Excellent knowledge of the theory and practice of the claim function

• Strong knowledge of insurance contracts, medical terminology and substantive and procedural laws

• Strong knowledge of computers and claims systems

• Ability to obtain all applicable state licenses

• Excellent organizational and empathetic interpersonal skills

• Strong written and verbal communication skills

• Excellent customer service skills

• Excellent investigative and problem-solving abilities

• Ability to maintain confidentiality

• Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving