Field Property Adjuster

Capstone ISG Inc.; Wilmington (DE); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k) retirement savings plan

Life Insurance

Disability Insurance

Paid vacation and holidays

Fitness membership reimbursement

Training & Development opportunities

Continuing education support

Job summary

Capstone ISG Inc. is seeking a detail-oriented Property Claims Adjuster to independently manage residential and commercial property claims from investigation through resolution.

The role requires strong coverage analysis, accurate estimating, and the ability to manage multiple claims of varying complexity. The successful candidate will conduct field investigations, assess loss exposure, negotiate settlements, and provide comprehensive reporting while complying with regulations and standards.

Qualifications

• High school diploma required; additional education in insurance, construction, business, engineering, or related field preferred.
• Previous property claims adjusting experience preferred; company-sponsored adjuster training available for candidates without experience.
• Experience with Xactimate estimating software strongly preferred.
• Knowledge of residential and commercial construction methods, materials, and repair practices preferred.
• Ability to interpret insurance policy language and apply coverage provisions accurately.
• Strong investigative, analytical, and problem-solving skills.

Responsibilities

• Conduct field investigations for residential and commercial property losses.
• Analyze policy language, endorsements, coverage forms, exclusions, and client instructions.
• Evaluate and adjust property claims from routine to high-severity cases.
• Document damage with photos, measurements, interviews, and field notes.
• Prepare repair and replacement estimates using Xactimate and other resources.
• Maintain claim reserves based on findings and projected exposure.
• Draft settlement letters, denial letters, and Reservation of Rights letters.
• Coordinate engineers, contractors, and other experts for causation and damages.

Skills

Investigative skills

Analytical thinking

Written communication

Time management

Problem solving

Field investigations

Independent work

High-volume caseload handling

Education

High school diploma

Insurance/Construction/Engineering education preferred

Tools

Xactimate

Claims management systems

Estimating platforms

Job description

Description

We are seeking a detail-oriented Property Claims Adjuster to independently manage residential and commercial property claims throughout the investigation, evaluation, and resolution process. This position requires strong technical claims handling skills, sound coverage analysis, accurate estimating capabilities, and the ability to manage multiple claims of varying severity and complexity.

The successful candidate will conduct field investigations, evaluate coverage, determine loss exposure, prepare estimates, negotiate settlements, and provide comprehensive reporting to clients while maintaining compliance with applicable regulations and industry standards.

This position is in and around Delaware/ New Jersey

Primary Responsibilities

• Conduct field investigations involving residential and commercial property losses.
• Analyze policy language, endorsements, coverage forms, exclusions, and client instructions to determine coverage applicability and claim exposure.
• Evaluate and adjust property claims ranging from routine losses to complex, high-severity claims.
• Document damage through photographs, measurements, interviews, and detailed field notes.
• Prepare repair and replacement estimates utilizing Xactimate and other estimating resources.
• Establish and maintain appropriate claim reserves based on investigation findings and projected exposure.
• Prepare comprehensive reports, coverage analyses, settlement recommendations, and client communications.
• Draft settlement letters, denial letters, Reservation of Rights letters, and other claim correspondence.
• Conduct content inventory reviews and perform pricing analysis for personal property and business contents losses.
• Identify and investigate subrogation opportunities and preserve recovery rights.
• Retain and coordinate engineers, contractors, consultants, and other experts as necessary to evaluate causation, damages, and liability exposure.
• Negotiate settlements within established authority and provide recommendations on complex claim resolutions.
• Maintain accurate documentation, billing records, and expense reporting.
• Manage assigned caseload while meeting quality, service, and reporting standards.
• Maintain compliance with state regulations, carrier guidelines, and industry best practices.
• Participate in continuing education and maintain all required adjuster licenses.

Requirements

• High school diploma required; additional education in insurance, construction, business, engineering, or a related field is preferred.
• Previous property claims adjusting experience preferred. Candidates without prior adjusting experience may be considered and will be required to complete company-sponsored adjuster training.
• Experience with Xactimate estimating software strongly preferred.
• Knowledge of residential and commercial construction methods, materials, and repair practices preferred.
• Ability to interpret insurance policy language and apply coverage provisions accurately.
• Strong investigative, analytical, and problem-solving skills.
• Excellent written documentation and professional communication abilities.
• Ability to independently manage a high-volume caseload and prioritize competing deadlines.
• Proficiency with claims management systems, estimating platforms, and standard business software.
• Ability to obtain and maintain all required state adjuster licenses.
• Valid driver's license required.

Preferred Experience

• Residential and commercial property claims
• Catastrophe and storm-related losses
• Water, fire, wind, hail, and structural damage assessments
• Coverage analysis and Reservation of Rights investigations
• Contents evaluation and inventory review
• Subrogation investigations
• Independent adjusting or third-party administrator environments

Compensation & Benefits

We recognize that experienced claims professionals bring valuable technical expertise and industry knowledge. To support our team members both professionally and personally, we offer a competitive compensation and benefits package that includes:

• Competitive salary with annual merit-based increases
• Quarterly performance-based bonus opportunities
• Comprehensive medical, dental, and vision insurance
• 401(k) retirement savings plan
• Company-paid life insurance
• Short-term and long-term disability coverage
• Paid vacation, sick leave, and company holidays
• Fitness membership reimbursement program
• Company-sponsored training and professional development opportunities
• Ongoing support for continuing education and industry advancement

Physical Requirements

This position requires regular field inspections, including roof inspections, ladder use, attic and crawlspace access, and travel throughout the assigned territory. Candidates must be capable of working outdoors in varying weather conditions and lifting up to 35 pounds as required to perform inspections safely and effectively.

Additional physical requirements include the ability to climb ladders, traverse roofs, work at heights, access confined or restricted areas, and perform activities such as kneeling, crouching, crawling, standing, walking, pushing, and pulling as necessary to conduct thorough property inspections.

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