Field Claims Adjuster - Polk County

American Integrity Insurance Company; Lakeland (FL); On-site; USD 52,000 - 76,000; Full time

Job summary

American Integrity Insurance in Florida is seeking a claims adjuster to support homeowner claims processing. You will confirm coverages, investigate losses, and coordinate with insureds, agents, and vendors to ensure timely, accurate resolutions.

Preferred candidates have 1–3 years in field claims and 3–5 years estimating losses, with Florida license desired. The role emphasizes integrity, teamwork, and timely payouts in a customer-centric environment.

Qualifications

• Requires ability to analyze facts and coverages to evaluate damages.
• Proven negotiation and investigative skills are essential.
• Strong written and verbal communication with diverse clients.
• Proficiency with Windows and Office Suite; familiarity with claims software.

Responsibilities

• Confirm coverage and resolve coverage issues; contact insured the same day as claim assigned.
• Conduct investigations on cause of loss and gather documentation and reports.
• Utilize peer review as needed.
• Review correspondence and take appropriate action; maintain diary.
• Process claims promptly with full documentation; determine payments or denials.
• Assess exposure and set reserves; notify management of large losses.
• Communicate with customers, agents, and vendors professionally.
• Maintain documentation on all claim files and diaries; meet service standards.
• Manage special projects within time and quality guidelines.
• Develop and maintain open relationships with insureds to gather information.
• Perform other related duties as assigned; attendance is essential.

Skills

Analytical reasoning

Negotiation

Investigation

Interpersonal communication

Technical writing

Xactimate (preferred)

Education

High School Diploma or GED

College degree preferred

Tools

Xactimate

Claims systems

Job description

American Integrity Insurance (NYSE: AII) is a leading provider of homeowners insurance, proudly serving over 400,000 policyholders across the Southeast. Comprised of more than 300 insurance professionals, most of whom work in our Tampa-area headquarters, and exclusively represented by more than 3,000 independent agents, we offer sound and comprehensive property and dwelling insurance to families throughout Florida, Georgia, South Carolina, and North Carolina. Our organization derives its Strength From IntegrityTM, and we are proud to have been recognized as a Top Place to Work in Tampa by the Tampa Bay Times and a Best Place to Work in Insurance by Business Insurance Magazine for the past twelve years. We have also rated among the Top Workplaces in the USA by USA Today for the past five years.

A Day in the Life:

Who knew Insurance could be this fun? From company picnics to charity events, no one can ever say American Integrity Insurance doesn't understand the importance of having fun, helping others, or giving back. Our company culture is priceless, and it's built around our six core values: Integrity, Commitment, Teamwork, Humility, Passion, and Fun. As a team working to provide home insurance solutions to our policyholders, together we aim to achieve greater heights each day and celebrate each other's accomplishments along the way. It is our mission to continue providing reliable, customer-centric homeowners

insurance and paying claims in a timely manner when our customers suffer a loss - and to do so with Integrity.

Learn more about American Integrity Insurance and our job opportunities at https://careers.aii.com .

• Confirm coverage and identifies / resolves coverage issues. Contacts insured same day as claim is assigned.
• Conduct proper investigations on cause of loss and procures proper documentation and supporting reports utilizing vendors appropriately. Continually evaluate vendor performance and techniques. Identify and recommend subrogation opportunities.
• Utilize peer review as needed.
• Review and process correspondence and takes appropriate action. Maintain up-to-date claim file diary.
• Complete assigned claims promptly with full required documentation. Process payment and / or denial based on policy coverage.
• Assess exposure and sets proper reserves. Notify management of large losses promptly.
• Communicate with customers, agents, and other partners verbally and in writing in a professional manner. Represent the company as the product coverage and statutory expert for our insureds, agents, and vendors.
• Maintain appropriate documentation on all claim files and processes claims in a timely manner.
• Meet company service standards and effectively uses the diary system to remain current.
• Manage special projects, as assigned, within the established time and quality guidelines.
• Responsible for developing and maintaining open and trusting working relationships with insureds in order to gather pertinent information.
• Perform other related duties as assigned.
• Regular and reliable attendance is an essential function of the position.

Education:

High School Diploma or GED required. CollegeDegree preferred.

Experience:

One (1) to three (3) years prior experience in field claims adjusting and three (3) to five (5) years prior experience estimating claims, prior carrier experience preferred.

Licensure:

State of Florida 520 or 620 License desired. If you do not have a current Florida adjuster's license, American Integrity will work with you to obtain one during a reasonable amount of time. Completion of insurance courses such as IIA, AEI, or CPCU preferred.

Skills:

• Ability to analyze facts and coverages in order to evaluate damages.
• Proven ability in negotiation and investigation required.
• Ability to communicate interpersonally with individuals and groups via telephone and in writing.
• Ability to communicate effectively with a wide variety of technical / professional / consumer clients.
• Microsoft Windows and Office Suite.
• Familiarity with industry claims systems and property estimating systems, Xactimate preferred.