General Adjuster - NJ/Surrounding States

Vanguard Claims Administration; New Jersey; On-site; USD 90,000 - 130,000; Full time

Job summary

Vanguard Claims Administration, LLC is seeking a General Adjuster to evaluate large commercial losses across New Jersey and surrounding states, including CAT events. The role includes inspecting properties, coordinating with architects, engineers, and carriers to determine loss amounts and policy coverage.

You will mentor Field Adjuster Trainees, organize workload, ensure accurate reporting, and safeguard confidential information in line with SOC 2 standards.

Qualifications

• Five or more years of property claims adjusting with strong commercial property experience.
• Experience handling large, complex residential and commercial claims.
• Knowledge of Lloyds of London claims preferred.
• Ability to present damages clearly in reports to client while logging and maintaining file notes per carrier guidelines.
• Knowledge of coverages within homeowner and commercial policies.
• Ability to write structural damage estimates for severe losses.
• Proficient in report writing and meeting carrier SLAs.
• Ability to manage workload independently with good judgment.
• Strong written and verbal communication and interpersonal skills.
• Proficient in Microsoft Office; experience with Xactimate and claims management systems.

Responsibilities

• Adjust large commercial losses across New Jersey and surrounding states, including CAT claims.
• Investigate residential and commercial Lloyd’s of London claims in diverse settings.
• Conduct property inspections and photograph claim sites to document losses.
• Obtain information from claimants and experts to assess the extent of loss.
• Collaborate with experts, attorneys, public adjusters, and carrier examiners to verify findings.
• Apply policy knowledge to determine appropriate loss estimates.
• Prepare accurate reports and letters to carriers with conclusions and recommendations.
• Maintain meticulous field notes, time and expense records.
• Manage and train Field Adjuster Trainees, organize workload and provide mentorship.
• Ensure SOC 2 security and data confidentiality compliance; report concerns as needed.
• Perform additional duties to support operations.

Skills

Property claims adjusting

Lloyds of London claims

Xactimate

Microsoft Office Suite

Claims management system

Written communication

Education

High School diploma or equivalent required

Bachelor's degree preferred

Active state license

Tools

Xactimate software

Claims management system

Job description

A General Adjuster plays a crucial role in evaluating insurance claims, often complex and high-value, and determining the insurance company's financial responsibility for property or physical damage. They act as the bridge between policyholders and insurance companies, ensuring claims are handled fairly and within the terms of the insurance policy. In essence, a General Adjuster’s primary objective is to manage the claims process efficiently and fairly, ensuring a proper balance between protecting the insurance company's interests and fulfilling its obligations to policyholders. In addition, the General Adjuster is responsible for safeguarding sensitive information and following company policies designed to maintain SOC 2 security, confidentiality, and data integrity standards.

Job Requirements

• Adjust large commercial losses throughout New Jersey and the surrounding states. Will also handle CAT claims and large losses outside of New Jersey during certain events.
• Investigate residential and commercial Lloyd’s of London insurance claims (complex commercial high-value claims) in a variety of settings.
• Use knowledge of property and construction, and/or knowledge of the specific industry or business affected, to personally conduct property inspections and photograph claim sites as necessary to depict and substantiate losses or damage, or the lack thereof.
• Obtain necessary information from the claimant and from experts such as architects, engineers, builders, construction workers, police officers, and others to fully and accurately assess the extent of the loss.
• Work cooperatively with expert witnesses, attorneys, public adjusters, and carrier’s examiners as needed to conduct investigations, confirm findings, and support evaluations.
• Apply understanding of insurance policies and policy interpretation, establishing appropriate loss estimates based on all relevant information and findings.
• Recommend the reasonable and proper amount the insurance company should pay on a claim.
• Ensure the accuracy of information collected and reported, and guard against fraudulent claims, based on critical issues identified and accurate conclusions drawn.
• Prepare accurate, clear, thorough, and concise capture reports and letters to insurance carriers on conclusions and recommendations.
• Maintain accurate, thorough field notes, journal entries, and time and expense records as required.
• Manage and train Field Adjuster Trainees:
• Organize and allocate tasks, ensuring efficient workload distribution and timely completion of assignments.
• Offer support, mentorship, and training to employees, helping them develop their skills and improve performance.
• Evaluate employee performance, providing feedback and identifying areas for improvement.
• Ensure employees adhere to company policies, safety regulations, and industry standards.
• Safeguard claimant, policyholder, and company information by following SOC 2 security, confidentiality, and data integrity protocols. Promptly report any potential compliance, security, or data handling concerns.
• Performs additional responsibilities as needed to support business operations and compliance objectives.

Skills Required

• :High School diploma or equivalent required. Bachelor's degree preferred. Applicable active license in the state you inspect claims
• Five plus years of property claims adjusting with strong commercial property claims experience required.
• Experience with large, complex residential and commercial claims handlin
• gExperience with Lloyds of London claims preferred.
• Ability to identify damages and properly present this information in reports to client while logging and maintaining file notes per carrier guidelines in claims management syste
• mAbility to identify subrogation and salvage opportunitie
• sRequires knowledge of coverages provided within various homeowner and commercial policies
• .Capability of writing structural damage estimates of severe losses
• .Strong experience in report writing and ability to complete reports within carrier’s SLAs
• .Ability to effectively and independently manage workload while exhibiting good judgment
• .Strong written/oral communication and interpersonal skills
• .Professional communication with policy holders, claim management and insurance company personnel
• .Proven ability to provide exceptional customer service
• .Computer skills with the ability to work with multi-faceted systems
• .Proficiency in all aspects of Xactimate and experience working within claims management system
• sStrong proficiency in Microsoft Office Suite

. Vanguard Claims Administration, LLC provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local law

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