General Liability Property Damage Adjuster - Washington DC/Baltimore

Engle Martin and Associates, LLC.; Maryland; Hybrid; USD 70,000 - 100,000; Full time

Job summary

Engle Martin and Associates, LLC. seeks a Senior Casualty/Property Liability Adjuster to manage liability claims in the Washington DC/Baltimore area. This field‑based position involves evaluating coverage, determining liability, and ensuring compliance with legal requirements.

The ideal candidate will demonstrate strong investigative skills and the ability to handle complex claims with minimal supervision. Responsibilities include conducting investigations, preparing reports, and coordinating with stakeholders.

Qualifications

• Active adjuster license required.
• Senior experience in claims handling preferred.
• Basic knowledge of casualty claims law.

Responsibilities

• Conduct field investigations and site inspections.
• Prepare accurate reports and letters to carriers.
• Coordinate with witnesses and attorneys.

Skills

Investigative skills

Negotiation skills

Communication skills

Time management

Tools

Xactimate

Job description

Overview

The Senior Casualty/Property Liability Adjuster will manage all aspects of liability claims in the Washington DC/Baltimore market. The field‑based position requires evaluating coverage issues, determining liability, and supporting the client’s claims processing functions while ensuring compliance with legal and regulatory requirements. A strong investigative focus and the ability to handle complex claims with minimal supervision are essential.

Responsibilities

• Conduct field investigations, site inspections, and gather evidence through phone and in‑person interviews with insureds, witnesses, claimants, experts, and other stakeholders.
• Obtain and review contracts, job files, appraisals, and relevant documentation to assess coverage and damage.
• Scope, measure, and write loss estimates using Xactimate and other tools.
• Analyze liability, damages, and coverage; recommend coverage solutions and prepare coverage letters when required.
• Prepare accurate, clear, and concise reports and letters to carriers, ensuring findings are well documented and defended.
• Coordinate with expert witnesses, attorneys, underwriting staff, investigators, and vendors to confirm findings and support claim decisions.
• Attend trials, arbitration, alternative dispute resolution, and face‑to‑face negotiations as required.
• Identify and manage complex claims involving contractor liability, product liability, construction defects, and other specialized areas, escalating to senior adjusters when necessary.
• Monitor third‑party liability opportunities and tender proposals through investigation and contract interpretation.
• Maintain detailed field notes, journal entries, time and expense records, and submit reimbursement reports in accordance with organizational policies and industry standards.

Qualifications

• Senior experience in claims handling preferred; active adjuster license required.
• Fundamental understanding of claims adjudication and basic knowledge of commercial/residential construction, automotive, or transportation industries.
• Basic knowledge of casualty claims law, jurisdictional issues, and code investigations.
• Proficiency in Xactimate and building estimate processes.
• Understanding of the Commercial General Liability Policy Form.
• Strong negotiating, conflict resolution, and persuasion skills.
• Ability to draft coverage letters with moderate supervision.
• Demonstrated investigative and research abilities at an intermediate level.
• Excellent written and oral communication skills; strong time‑management and organizational abilities.