Field Adjuster

Heritage-Insurance; Brick Township (NJ); Remote; USD 65,000 - 95,000; Full time

Job summary

Heritage Insurance is seeking a Field Adjuster for the Central New Jersey territory, including Trenton, New Brunswick, Edison, and Princeton. The role focuses on on-site inspections, loss estimates, and negotiations, with work-from-home flexibility.

The ideal candidate has 5+ years of property claims experience and an active NJ adjuster license, plus excellent communication and travel willingness.

Qualifications

• New Jersey adjuster licensing must be obtained and maintained.
• Minimum 5 years of property claims experience, including field adjusting.
• Proficiency with Microsoft Office and claims management systems.
• Demonstrated ability to independently investigate, evaluate, negotiate, and resolve property claims.
• Strong written, verbal, and interpersonal communication skills.
• Excellent analytical, organizational, and time-management abilities.
• Customer-first mindset and professionalism in high-pressure situations.
• Ability to work independently while managing a remote, field-based schedule.
• Ability to climb, kneel, crawl, and lift up to 30 pounds unassisted.
• Willingness to travel extensively within the Central New Jersey territory.
• Successful completion of pre-employment drug testing and health screening.

Responsibilities

• Conduct on-site property inspections with accurate scoping and photography.
• Investigate and evaluate first-party property claims for coverage and damages.
• Review policies and contracts to assess validity and coverage.
• Communicate professionally with policyholders and professionals.
• Use claims estimating tools to prepare and validate estimates.
• Collaborate with Subrogation and Fire/Fraud Investigations when needed.
• Maintain complete claim documentation and notes.
• Establish and update claim reserves as information changes.
• Prepare clear claim correspondence and legal letters.
• Negotiate settlements within authority and escalate when needed.
• Represent Heritage in legal proceedings when required.
• Stay informed about local construction costs and repair methods.
• Travel throughout assigned territory for inspections.

Skills

Licensing

Claims experience

Communication

Independent work

Remote work

Tools

MS Office

Claims management system

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Field Adjuster

24 days ago Requisition ID: 1336

Field Adjuster – Central New Jersey Territory

Join a Great Team. Build Your Career. Make a Difference.

Heritage Insurance is part ofHeritage Companies, a growing family of insurance companies with a shared commitment to protecting the communities we serve. As asuper-regional coastal property & casualty insurer, we understand the unique challenges faced by homeowners and businesses in coastal markets—and we’re proud to be there when our policyholders need us most.

We believe great insurance starts with great people. Our culture is collaborative, customer-focused, and built around doing the right thing for our policyholders and each other. We offerexcellent benefits, competitive compensation, opportunities for professional growth, and a supportive team environment where your expertise is valued.

We are looking for an experiencedField Adjuster to join our team supporting theCentral New Jersey territory, with a primary focus on areas includingTrenton, New Brunswick, Edison, and Princeton.

About the Role

As a Field Adjuster, you’ll be responsible for handlingmoderate-complexity, first-party property claims that require on-site inspections and hands-on expertise. You’ll investigate losses, assess damage, prepare estimates, evaluate coverage, and negotiate fair and appropriate settlements.

This is aterritory-based, fully remote position. You will work primarily from your home and travel throughout your assigned territory to conduct inspections and meet with policyholders, contractors, public adjusters, attorneys, vendors, and other professionals.This position does not report to or require regular work from a Heritage office.

This is a highly visible, field-facing role. You’ll interact directly with customers and industry professionals—often helping people navigate the claims process during some of the most stressful moments in their lives.

The ideal candidate brings strong property claims experience, sound technical judgment, excellent communication skills, and the ability to work independently while remaining a trusted representative of Heritage.

What You’ll Do

• Conduct thoroughon-site property inspections, including accurate scoping, photography, documentation, and preparation of written or computer-assisted estimates.
• Investigate and evaluate first-party property claims to determinecoverage, damages, and claim exposure.
• Review policies, leases, contracts, by-laws, and other documentation to evaluate claim validity and coverage.
• Communicate professionally, clearly, and empathetically with policyholders, public adjusters, contractors, attorneys, vendors, and internal partners.
• Use industry-standardclaims estimating tools and technology to prepare, review, and validate estimates.
• Partner with internal specialists, includingSubrogation and Fire/Fraud Investigations, when appropriate.
• Maintain complete, accurate, and timely claim documentation and activity notes in accordance with company standards.
• Establish and maintain appropriate claim reserves, updating them as new information becomes available.
• Prepare clear, accurate, and professional claim correspondence, including Reservation of Rights and denial letters.
• Negotiate settlements within established authority levels and appropriately escal...
• Represent Heritage in legal and alternative dispute resolution proceedings, includingdepositions, Examinations Under Oath (EUOs), mediations, and trials, as needed.
• Stay informed about construction practices, repair methodologies, local labor and material costs, and market conditions.
• Respond promptly and professionally to questions from policyholders, customers, and internal business partners.
• Identify and report safety, regulatory, or compliance concerns.
• Travel throughout the assigned territory, with occasional travel outside the region.
• Participate incatastrophe (CAT) and surge operations, which may require extended hours, overnight travel, and temporary reassignment.
• Comply with all applicable federal and state laws, regulations, and company policies and procedures.

Required Qualifications

• New Jersey adjuster licensing must be obtained and maintained, along with any other licenses required to handle claims within the assigned territory.
• Minimum5 years of property claims experience, including field adjusting experience.
• Proficiency with Microsoft Office and claims management systems.
• Demonstrated ability to independently investigate, evaluate, negotiate, and resolve property claims.
• Strong written, verbal, and interpersonal communication skills.
• Excellent analytical, organizational, and time-management abilities.
• A customer-first mindset and the professionalism to remain calm and empathetic in high-pressure or emotionally challenging situations.
• Ability to work independently while effectively managing a remote, mobile, field-based schedule.
• Ability to climb, kneel, crawl, and lift up to30 pounds unassisted.
• Ability and willingness to travel extensively throughout the assigned Central New Jersey territory, with occasional travel outside the region.
• Successful completion of requiredpre-employment drug testing and health screening.

Why Join Heritage?

At Heritage, we know our people are our greatest asset. We’re committed to creating a workplace where talented professionals can do meaningful work, develop their expertise, and build long-term careers.

When you join Heritage Companies, you can expect:

• Excellent benefits and a comprehensive total rewards package.
• Competitive compensation that recognizes your experience and expertise.
• Agreat company culture built on collaboration, accountability, and respect.
• Opportunities to grow your career within asuper-regional coastal P&C insurance organization.
• The opportunity to make a direct impact on customers and communities when they need us most.
• A team that valuesexpertise, integrity, and doing the right thing.
• The flexibility and independence of afully remote, territory-based role, backed by the support of a strong claims organization.

If you’re an experienced property claims professional who enjoys being in the field, solving complex problems, and helping customers through challenging situations,we’d love to hear from you.

Additional Information

All employees must successfully complete a pre-employment background check. Depending on the position and job responsibilities, additional screening may be required, including driving history and/or credit history checks.

This job description is intended to describe the general nature and level of work performed by employees in this position. It is not intended to be a comprehensive list of all duties, responsibilities, qualifications, or working conditions associated with the position. Management reserves the right to assign, modify, or reassign duties and responsibilities as business needs require.

Heritage Companies is an Equal Opportunity Employer. We are committed to providing equal employment opportunities and will not unlawfully discriminate against qualified applicants or employees based on any characteristic protected by applicable law.