Field Adjuster

Heritage-Insurance; Honolulu (HI); On-site; USD 70,000 - 100,000; Full time

Job summary

Heritage Insurance, part of Heritage Companies, seeks an experienced Field Adjuster in Honolulu, HI to handle moderate- complexity first-party property claims with on-site inspections and hands-on estimates. You’ll interact with policyholders, contractors, and attorneys while negotiating fair settlements.

The role requires Hawaii adjuster licensing, 5+ years of property claims experience, and the ability to travel.

Qualifications

• Hawaii adjuster licensing must be obtained and maintained.
• Minimum 5 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 mobile, field-based schedule.
• Ability to climb, kneel, crawl, and lift up to 30 pounds unassisted.
• Ability and willingness to travel throughout the assigned territory, with occasional travel outside the region.
• Successful completion of required pre-employment drug testing and health screening.

Responsibilities

• Conduct thorough on-site property inspections, including scoping, photography, documentation, and estimates.
• Investigate and evaluate first-party property claims to determine coverage, damages, and claim exposure.
• Review policies, leases, contracts, by-laws to evaluate claim validity and coverage.
• Communicate professionally with policyholders, contractors, attorneys, vendors, and internal partners.
• Use claims estimating tools to prepare, review, and validate estimates.
• Partner with Subrogation and Fire/Fraud Investigations when appropriate.
• Maintain complete claim documentation and activity notes.
• Establish and maintain claim reserves, updating as info changes.
• Prepare professional claim correspondence including RO and denial letters.
• Negotiate settlements within authority levels.
• Represent Heritage in legal proceedings as needed.
• Stay informed about construction practices and local market costs.
• Respond promptly to questions from policyholders and partners.
• Identify and report safety, regulatory, or compliance concerns.
• Travel throughout the territory with occasional travel outside region.
• Participate in CAT and surge operations.

Skills

Hawaii adjuster licensing

5+ years property claims

Microsoft Office

claims management systems

investigate and negotiate claims

Tools

Claims management systems

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

Full Time Honolulu, HI, US

Field Adjuster – Honolulu, Hawaii

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

Heritage Insurance is part of Heritage Companies, a growing family of insurance companies with a shared commitment to protecting the communities we serve. As a super-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 offer excellent benefits, competitive compensation, opportunities for professional growth, and a supportive team environment where your expertise is valued.

We are looking for an experienced Field Adjuster to join our team in the Honolulu area.

About the Role

As a Field Adjuster, you’ll be responsible for handling moderate-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 a highly visible, field-facing role. You’ll interact directly with policyholders, contractors, public adjusters, attorneys, vendors, and other 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 thorough on-site property inspections, including accurate scoping, photography, documentation, and preparation of written or computer-assisted estimates.
• Investigate and evaluate first-party property claims to determine coverage, 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-standard claims estimating tools and technology to prepare, review, and validate estimates.
• Partner with internal specialists, including Subrogation 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
• Represent Heritage in legal and alternative dispute resolution proceedings, including depositions, 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 in catastrophe (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.

What You’ll Bring

Required Qualifications

• Hawaii adjuster licensing must be obtained and maintained.
• Minimum 5 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 mobile, field-based schedule.
• Ability to climb, kneel, crawl, and lift up to 30 pounds unassisted.
• Ability and willingness to travel throughout the assigned territory, with occasional travel outside the region.
• Successful completion of required pre-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.
• A great company culture built on collaboration, accountability, and respect.
• Opportunities to grow your career within a super-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 values expertise, integrity, and doing the right thing.
• A dynamic work environment that combines the independence of field work with 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.

The Heritage Companies is an Equal Opportunity Employers. We are committed to providing equal employment opportunities and will not unlawfully discriminate against qualified applicants or employees based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, place of birth, military service status, or any other characteristic protected by applicable law.