Property Adjuster Specialist Field in Fort Collins, Colorado at Distro

As a dedicated Field Property Adjuster Specialist, you will:

• Work within defined guidelines to investigate, evaluate, negotiate, and settle complex property insurance claims.

• Confirm/analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulations.

• Use technology and desk adjusting for a virtual-first approach to inspections and claims handling.

• Be provided a company vehicle for physical inspections within your local territory and may travel outside the area when needed.

Key Responsibilities:

• Manage a caseload of complex claims, requiring knowledge of claims coverage and potential legal liability.

• Collaborate with vendors, internal partners, and external regulators for claims resolution and compliance.

• Investigate claim damages using various sources and identify subrogation potential.

• Identify coverage concerns, review prior loss history, and create Special Investigation Unit (SIU) referrals as needed.

• Determine and negotiate claims settlements within authority limits; coordinate with management for settlements beyond limits.

• Maintain accurate and current claim file documentation.

• Utilize estimating technology and virtual inspection tools for complex claims.

• Support workload surges and catastrophe response operations, including on-call duties and potential travel.

• Handle various claims, including high complexity, and independently solve complex problems.

• Adjust claims involving attorneys and address jurisdictional challenges.

• Travel as needed for claims resolution, training, and inspections.

• Identify and manage risks per company policies.

Must Have Qualifications:

• High School Diploma or equivalent.

• Minimum 2 years experience in property claims adjusting of moderate complexity.

• Advanced skills in estimating losses with Xactimate or similar platforms.

• Experience handling high-severity claims (fire, water, vandalism, etc.) in the field.

• Proficient knowledge of residential construction, claims contracts, case law, and state regulations.

• Strong negotiation, investigation, communication, and conflict resolution skills.

• Ability to multitask, prioritize, and solve problems.

• Willingness to travel 50-75% locally and non-locally and participate in catastrophe duty as needed.

• Obtain insurance adjuster license within 90 days (up to 3 attempts).

• Experience working for a standard insurance carrier handling claims from start to finish.

• May require successful completion of a job-related assessment.

Nice to Have Qualifications:

• Residential property field adjusting experience.

• Proficiency with estimating and virtual inspection tools like Xactimate, ClaimXperience, XactAnalysis.

• Insurance designations such as AINS, CPCU, AIC, or SCLA or working towards them.

• Active Property & Casualty adjuster license.

• US military experience or military spouse/domestic partner status.

Compensation and Perks:

• Salary range: $69,920 to $133,620, based on experience and location.

• Comprehensive benefits including medical, dental, vision, 401(k), pension, and life insurance.

• Parental benefits, adoption assistance, paid time off with holidays, 16 paid volunteer hours, and wellness programs.

• Career path planning and continuing education support.

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