Catastrophe Field Adjuster - North Florida Territory

Frontline Insurance; United States; On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Health & Wellness

401k with match

PTO 4 weeks

Pet Insurance

Company Vehicle

Job summary

Frontline Insurance is seeking a Catastrophe Field Adjuster to lead on-site investigations of catastrophic property losses. You will manage the end-to-end claim process, collect loss facts, and determine coverage decisions aligned with policy terms.

The role requires inspecting structures including roofs, taking photos, and coordinating with experts, while keeping insureds informed throughout the process. A four-year college degree and prior insurance experience are preferred.

Qualifications

• Prior insurance industry experience preferred.
• Strong analytical and investigative abilities are required.

Responsibilities

• Handle the entire claim adjustment process, reviewing loss facts and making coverage decisions within authority.
• Schedule and conduct inspections of damaged property, including roof access and tight spaces.
• Photograph, sketch, and scope damages; document investigation steps and decisions.
• Inform insureds promptly about investigation progress and outcomes; coordinate with experts as needed.
• Review all materials to determine facts, coverage, and total claim value; issue payments within authority.

Skills

Insurance experience

Education

Four year college degree preferred

Job description

At Frontline Insurance, we are on a mission to Make Things Better, and our Catastrophe Field Adjuster plays a pivotal role in achieving this vision. We strive to provide high quality service and proactive solutions to all our customers to ensure that we are making things better for each one.

What makes us different? At Frontline Insurance, our core values - Integrity, Patriotism, Family, and Creativity - are at the heart of everything we do. We're committed to making a difference and achieving remarkable things together. If you're looking for a role, as a Catastrophe Field Adjuster where you can make a meaningful impact and grow your career, your next adventure starts here!

Our Catastrophe Field Adjuster enjoys robust benefits:

• Health & Wellness:Company-sponsored Medical, Dental, Vision, Life, and Disability Insurance (Short-Term and Long-Term).
• Financial Security:401k Retirement Plan with a generous match.
• Work-Life Balance:Four weeks of PTO and Pet Insurance for your furry family members.
• Company Vehicle

What you can expect as a Catastrophe Field Adjuster:

• Handle the adjusting of the entire claim without the involvement of a Desk Adjuster. This will include collecting and reviewing all loss related facts, performing an analysis under the terms of the insurance policy to make a coverage decision, and issuing a payment within the applicable authority level.
• Contact insured(s) to schedule inspection of damaged property, travel to affected property, and conduct such inspections in a timely manner.
• Required to access and inspect all areas of a dwelling or structure, including roofs and entering tight spaces (attics, crawl spaces, etc.). Must be able to carry, set up, and safely climb a ladder with a Type IA rating (Extra Heavy Capacity, 300 LB/136 KG), weighing equal to or more than 50 pounds. Must be capable of safely climbing a ladder for roof inspections.
• Photograph, sketch and scope all damages. (Photos on non-damaged areas are needed also).
• Keep insured(s) informed on the claims investigation.
• Determine the method and extent of investigation for each claim. Make assignment to outside experts or investigators when appropriate.
• Review and analyze all investigative and claim material to determine the facts of the loss.
• Interview insured(s) and witnesses to obtain loss facts (recorded & non-recorded interviews as necessary).
• Document all investigative actions in the claim file.
• Analyze the policy to determine the coverage for the loss. Evaluate coverage and make a coverage recommendation on each claim.
• Determine the total value of the claim. Request and disburse claim checks/payments within authority level. Make payment recommendation(s) for amounts above authority level
• Respond to all questions in a timely manner.
• Utilize several software programs throughout the day to determine the parameters of the loss
• Collaborate with team members and stakeholders to resolve various claims related issues as they arise.
• Maintain compliance with quality standards and state regulations.
• Assist with catastrophe operations as required, including, but not limited to working extra hours during major events or deploying to affected areas to help policyholders.
• Additional duties may arise as the candidate progresses.
• The following duties may also apply when assisting a desk adjuster with an assignment:
• Contact Desk Adjuster as to any issues and a need for any experts. (Contractor, leak detection, engineer, etc.).
• Submit a reserve recommendation to the Desk Adjuster within 48 hours of inspection.
• Email report/estimate to home office at appropriate time.
• Assist Desk Adjuster with pricing and/or technical issues.

What we are looking for as a Catastrophe Field Adjuster :

• A four year college degree is preferred along with prior insurance experience with an insurance carrier or agency.

Why work for Frontline Insurance?

At Frontline Insurance, We're more than just a workplace - We're a community of innovators, problem solvers, and dedicated professionals committed to our core values:Integrity, Patriotism, Family, and Creativity.

We provide a collaborative, inclusive, and growth-oriented work environment where every team member can thrive.

Frontline Insurance is an equal-opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.