Field Property Adjuster

Capstone ISG; Providence (RI); On-site; USD 65,000 - 85,000; Full time

Job summary

Capstone ISG is seeking an experienced Field Property Adjuster to investigate and adjust residential and commercial property claims in Rhode Island. This role suits detail-oriented professionals who thrive independently and enjoy solving claims challenges.

3+ years field experience is preferred, with opportunities for growth and competitive compensation. Responsibilities include field investigations, evaluating coverage, setting reserves, and communicating with clients.

Qualifications

• Requires high school diploma; advanced education preferred.
• Experience as a claims adjuster or Capstone training preferred.
• Must have valid driver’s license and ability to obtain licenses as required.
• Working knowledge of Xactimate is preferred.

Responsibilities

• Conducts field investigations to resolve residential and commercial property claims.
• Examines forms, policies and records to determine coverage and exposure.
• Adjusts property loss claims of varying severity and complexity.
• Sets loss reserves and prepares written reports.
• Prepares settlement and denial letters as needed.
• Documents damage and prepares estimates using Xactimate.
• Travels to loss locations in assigned territory and communicates status to clients.
• Maintains timely case load and adheres to regulations and service standards.

Skills

Multitasking

Customer service

Communication skills

Independent work

Detail oriented

Analytical thinking

Education

High school diploma

Advanced education preferred

Tools

Xactimate

Job description

Capstone ISG is one of the nation’s fastest-growing independent adjusting firms, built on a culture of professionalism, integrity, and teamwork. We are passionate about delivering exceptional service to our clients while creating a rewarding and supportive environment for our employees. As we continue to grow, we are looking for motivated professionals who thrive in a fast-paced environment and are driven to make an impact.

We are currently seeking an experienced Field Property Adjuster to investigate and adjust residential and commercial property claims. This role is ideal for a detail-oriented, customer-focused professional who enjoys working independently, solving problems, and helping policyholders through the claims process.

3+ Years Field Experience Preferred

Why Join Capstone ISG?

• Opportunity to grow with a rapidly expanding company
• Supportive and team-oriented culture
• Competitive compensation opportunities
• Independent work environment
• Meaningful work helping customers during challenging situations

If you are a motivated adjuster looking to join a growing company that values professionalism, initiative, and customer service, we encourage you to apply.

Benefits Include

• Competitive salary with annual raises
• Quarterly performance bonuses
• Profit Sharing
• Medical, Dental, Vision
• 401 (k)
• Short and Long Term Disability
• Life Insurance
• Sick, Vacation and Holiday Pay
• Fitness Membership Reimbursement
• Company paid training

Primary Responsibilities

• Conducts field investigations to resolve residential and commercial property claims.
• Examines and applies claims forms, policies and endorsements, client instructions and other records to determine coverage and client exposure.
• Adjusts all elements of Property Loss claims of varying levels of severity and complexity.
• Sets loss reserves.
• Prepares written reports by collecting and summarizing information required by client.
• Prepares settlement letters, denial letters, Reservations of Rights and other letters as needed.
• Maintains expected case load.
• Maintains company reputation and integrity of work product by complying with federal and state regulations and service standards.
• Maintains professional and technical knowledge through continuing education.
• May assist less-experienced adjusters with claims handling when requested
• Participates in special projects or performs duties in other areas if requested.
• Documents damage and prepares written estimates using Xactimate software.
• Handles content inventories to include moderate to complex pricing analysis and prepares claim inventory reports.
• Conducts subrogation investigations.
• Engages and manages consultants/independent contractors to assist in determining facts, causation, damage and exposure.
• Keeps the client and the insured informed about the claim status with clear, timely and accurate written/oral communication.
• Negotiates settlement of claims of varying complexity under the direction of the Claims Manager or Supervisor.
• Travels to loss locations in assigned territory
• Records time and expense charges to bill clients.
• Maintains adjuster license(s) when required.

Requirements

• Requires a high school diploma; advanced education beyond high school preferred or an equivalent combination of education and experience.
• Previous experience as a claims adjuster or must complete Capstone specified adjuster training if no experience.
• If previous adjuster experience, working knowledge of Xactimate is preferred.
• Must be licensed, or have the ability to obtain license(s), as required by state and local jurisdictions to adjust insurance claims.
• Must have valid driver’s license.

Skills And Competencies

• Ability to work in a high volume, fast paced environment managing multiple tasks.
• Ability to provide excellent service to policyholders and clients.
• Ability to efficiently operate a computer and related claims and business software.
• Effective analytical and problem-solving skills necessary to make decisions and resolve conflict
• Good verbal and written communication skills.
• Good attention to detail.
• Strong analytical and mathematical ability.
• Ability to work independently in a virtual environment when required.
• Good organizational and time management skills.

Physical Demand Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this position, auto travel is required. Ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a vehicle. Ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics. Ability to work in a confined or restricted area. Kneeling, crouching, crawling, standing, sitting, walking, pushing, pulling, etc. as is required to inspect claims. Ability to work outdoors, exposed to all weather conditions.