Claims Adjuster, Subrogation

Fortegra; Woodbridge Township (NJ); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) plan

Tuition assistance

Disability (short/long-term)

Life insurance

Job summary

Fortegra is seeking a Claim Adjuster, Subrogation to support the Subrogation Unit's recovery program, focusing on deductible and SIR collections from insured customers, tender expense recoveries, and auto subrogation. You will work with internal claims teams and external stakeholders to maximize recoveries and advance the unit's strategy.

The role requires a disciplined, organized approach to managing a structured recovery portfolio, strong communication, and the ability to manage multiple

Qualifications

• Bachelor’s degree or equivalent professional experience.
• Experience in insurance, collections, subrogation, or related field.
• Familiarity with deductible and SIR structures; auto subrogation a plus.

Responsibilities

• Identify and pursue deductible and SIR recovery opportunities by reviewing claim files, policy provisions, and billing records.
• Collaborate with primary claims adjusters to gather documentation and coordinate recovery efforts across deductible collections, tender expense recoveries, and auto subrogation files.
• Initiate and manage collections for outstanding deductible and SIR balances from insured customers, with consistent follow-up and clear documentation.
• Pursue tender expense recoveries in applicable Casualty claims and escalate as directed by the Subrogation Unit manager.
• Maintain organized records of all collection activity, correspondence, and account balances across assigned files.
• Issue written demand correspondence to insureds and communicate payment expectations and resolutions.
• Handle auto subrogation files from identification through resolution, including demand preparation and follow-up with adverse carriers.
• Demonstrate flexibility in managing a varied portfolio of collections and recovery files while meeting priorities and deadlines.
• Perform other related duties as assigned by a supervisor and participate in claim reviews and audits.

Skills

Strong collections orientation

Excellent communication skills

Analytical decision-making

Microsoft Office proficiency

Education

Bachelor’s degree or equivalent

Tools

Microsoft Office Suite

Job description

The Claim Adjuster, Subrogation is responsible for supporting the Subrogation Unit's recovery efforts across a range of file types, with a primary focus on deductible and Self-Insured Retention (SIR) collections from insured customers, tender expense recoveries, and auto subrogation. This role requires flexibility, decisive decision-making, and a disciplined, organized approach to managing a structured recovery portfolio. The position offers meaningful growth opportunity for an adjuster looking to develop broad subrogation expertise, and reports directly to the Subrogation Unit manager. The Claim Adjuster, Subrogation works closely with internal claims teams and external stakeholders to maximize recovery outcomes and support the unit's overall collection strategy.

Qualifications

• Bachelor’s degree or equivalent professional experience.
• Experience in insurance, collections, subrogation, or a closely related field; candidates with a demonstrated ability to manage accounts, communicate professionally with customers, and work within structured processes.
• Background in collections, accounts receivable, claims processing, or subrogation preferred; familiarity with deductible and SIR structures is a plus.
• Experience with auto subrogation is a plus; this role offers the opportunity to grow into broader subrogation responsibilities over time.

Primary Job Functions

• Identify and pursue deductible and Self-Insured Retention (SIR) recovery opportunities by thoroughly reviewing claim files, policy provisions, and billing records to determine amounts owed by insured customers.
• Collaborate with primary claims adjusters and the Subrogation Unit to gather supporting documentation and coordinate recovery efforts across deductible collections, tender expense recoveries, and auto subrogation files.
• Initiate and manage the collections process for outstanding deductible and SIR balances from insured customers, maintaining consistent follow-up and clear documentation of collection activity and account status.
• Pursue tender expense recoveries in applicable Casualty claims, identifying opportunities and escalating as directed by the Subrogation Unit manager.
• Maintain organized, up-to-date records of all collection activity, correspondence, and account balances across assigned files, ensuring accuracy and compliance with unit procedures.
• Issue written demand correspondence to insureds and communicate clearly regarding outstanding balances, payment expectations, and account resolutions.
• Handle auto subrogation files from identification through resolution, including demand preparation and follow-up with adverse carriers or parties.
• Demonstrate flexibility in managing a varied portfolio of collections and recovery files, adapting to shifting priorities while maintaining disciplined follow-through on all assigned accounts.
• Perform other related duties as assigned.
• Participate in Claim Reviews and claim audits.
• Performs other duties or special projects as required or as assigned by a supervisor.

The above-cited duties and responsibilities describe the general nature and level of work performed by people assigned to the job. They are not intended to be an exhaustive list of all the duties and responsibilities that an incumbent may be expected or asked to perform.

Skills & Competencies Required

• Working knowledge of insurance policy provisions, including deductible and SIR structures, and how they apply to the collections and recovery process.
• Strong collections orientation with the ability to communicate assertively yet professionally with insured customers and third parties regarding outstanding balances.
• Familiarity with auto subrogation and tender expense recovery concepts; willingness to learn and apply unit-specific recovery practices.
• Decisive decision-making skills with the ability to evaluate account status, determine appropriate collection strategies, and act with confidence under guidance from the Subrogation Unit manager.
• Highly organized and self-disciplined, with the ability to manage a structured caseload, prioritize competing demands, and meet recovery milestones and deadlines.
• Excellent communication skills.
• Ability to establish close business relationships.
• Analytical, decision-making and resource management skills.
• Strong commitment to superior client service.
• Strong negotiating skills.
• Excellent time management skills with a proven ability to meet deadlines.
• Highly proficient with Microsoft Office Suite.

Additional Information

• Full benefit package including medical, dental, life, vision, company paid short/long term disability, 401(k), tuition assistance and more.
• The anticipated salary for this position is $60,000 - $90,000 per year, based on qualifications and experience.
• Internal Notice: As part of our commitment to talent development, this position is open for internal promotion applications at the time of public posting.
• Fortegra is not accepting unsolicited resumes from search firms for this position.