Commercial Property Adjuster - Cleveland, OH

Engle Martin and Associates, LLC.; Kentucky; Hybrid; USD 70,000 - 110,000; Full time

Job summary

Engle Martin and Associates, LLC. is seeking a Senior Property Adjuster to assess property losses for commercial claims and to communicate findings effectively.

The role involves inspections, coordinating with engineers and attorneys, and applying policy knowledge to determine fair settlements. The Senior Property Adjuster will manage complex losses, prepare clear reports, and use tools like Xactimate and CoreLogic to support accurate estimates.

Qualifications

• Bachelor’s Degree (Preferred) with 2–5 years in commercial property loss adjusting.
• Experience handling catastrophe claims and knowledge of property claim law.
• Strong written and verbal communication skills; ability to present findings clearly.

Responsibilities

• Investigates insurance claims across settings such as retail, office buildings, hospitality, manufacturing, healthcare, and government facilities.
• Conducts property inspections, photographs claim sites, and documents losses to substantiate findings.
• Coordinates with experts and attorneys to support evaluations and loss estimates.
• Applies policy interpretation to establish reasonable loss estimates and prepares reports for carriers.

Skills

Communication

Time management

Customer service

Analytical thinking

Teamwork

Education

Bachelor’s Degree (Preferred)

Tools

Xactimate

CoreLogic

Microsoft Word

Microsoft Excel

Job description

Title

Senior Property Adjuster

Summary

The Senior Property Adjuster effectively determines and communicates the extent of loss or damage associated with commercial property claims in a variety of business classes. The Senior Property Adjuster is typically assigned loss or damage assessments in a moderate cost range, based on experience and demonstrated ability for handling larger or more complex claims.

Primary Job Responsibilities

Investigates insurance claims in various settings, including retail establishments, private or public office buildings, commercial habilitation, hospitality, corporate facilities, transportation sites, manufacturing sites, governmental facilities, schools, clinics, or hospitals; assesses loss or damage resulting from various events such as inclement or catastrophic weather, earthquakes, fire, vandalism, or accidents. May be called upon to assess time‑element and builders’ risk losses. Uses knowledge of property and construction and/or of the specific industry affected, as typically achieved through significant commercial property loss adjusting experience, personally conducts property inspections and photographs claim sites as necessary to depict and substantiate losses or damage, or the lack thereof.

Through interviewing or other methods, obtains necessary information from claimants and experts such as architects, engineers, builders, construction workers, police officers, health‑care practitioners, accountants, and others to fully and accurately assess the extent of the loss. Interacts effectively with diverse experts and may be required to coordinate the efforts of a diverse team of experts. Works cooperatively with expert witnesses, attorneys, public adjusters, and carrier’s examiners as needed to conduct investigations, confirm findings, and support evaluations.

Applies thorough understanding of insurance policies and policy interpretation, establishing appropriate loss estimates based on all relevant information and findings; demonstrates understanding of a variety of coverage and loss types. Recommends reasonable and proper amount the insurance company should pay on a claim. Ensures accuracy of information collected and reported and guards against fraudulent claims. Prepares accurate, clear, thorough, and concise reports and letters to insurance carriers, providing conclusions and recommendations.

Follows established policies, procedures, and processes in preparing information, exercising sound judgment in applying these to potentially costly losses or involved situations, and submits reports and documents in a timely manner and in accordance with insurer’s standards and expectations. Effectively uses software systems such as Xactimate as necessary to produce accurate estimates. Maintains accurate, thorough field notes, journal entries, and time and expense records as required. Submits reimbursement reports in keeping with organization and client policies, procedures, and practices and accepted industry standards. Applies knowledge of both time‑and‑expense and fee‑for‑service procedures, according to the stipulations of the agreement with the insurer. Follows EM policy and practices and incorporates sound judgment in formulating recommendations and completing evaluations and reports.

Prepares and conducts presentations and produces special reports for insurance carriers as assigned or required.

Required Education & Experience

Bachelor’s Degree (Preferred). 2–5 years’ experience in commercial property loss adjusting; experience with catastrophe claims; wide range of experience in various classes and types of business risk, including manufacturing, retail, industrial, habitational, and hospitality. Ability to understand claims adjudication process with sound knowledge of commercial and residential construction industries. Knowledge of property claim law. Active license, or ability to promptly obtain such, in the assigned state(s).

Desired Knowledge, Skills & Abilities

Exceptional written and verbal communication skills. Ability to manage multiple priorities and meet deadlines. Passionate about providing exceptional customer service. Skilled in analyzing, interpreting, and reporting pertinent information (discerning the essential from the non‑essential). Strong research and investigative skills. Conflict resolution and persuasion abilities. Organized and detail oriented. Excellent problem‑solving and critical thinking skills. Ability to work both independently and as part of a team. Proficiency in Microsoft Word, Microsoft Excel, Xactimate, Corelogic and openness to adapt to new technologies.

Working Conditions

Frequently requires work to be performed at the site of the property damage or loss, including locations where disasters or catastrophes have occurred. May require evening, overnight, and weekend travel and work. During catastrophes, required travel could last 2 weeks or more. The incumbent could be exposed to outside weather and environmental conditions such as extreme heat, cold, and precipitation, as well as noise, vibrations, proximity to moving mechanical parts, electrical current, heights, chemicals, fumes, odors, dust, mists, gases, or poor ventilation. The incumbent may be required to work in close quarters, crawl spaces, small enclosed rooms, narrow aisles, passageways, or other enclosed areas, requiring physical agility and resistance to claustrophobia. The incumbent may be required to work in high areas such as roofs or scaffolding, requiring physical agility, balance, and resistance to acrophobia.

Physical Activities and Requirements

May be required to climb, balance, stoop, kneel, crouch, crawl, reach, stand, walk, push, pull, lift up to 50 pounds, including a ladder. Requires close visual acuity, with or without correction, to prepare reports containing words, symbols, and numerical figures; to view a computer terminal, use a keyboard, read printed documents, and make detailed visual inspections, perceive color, depth, and have a sufficient field of vision to carry out all inspection and related duties.