Honolulu Field Property Claims Expert

Heritage-Insurance; Honolulu (HI); On-site; USD 70,000 - 100,000; Full time

Job summary

Heritage Insurance, part of Heritage Companies, seeks an experienced Field Adjuster in Honolulu, HI to handle moderate- complexity first-party property claims with on-site inspections and hands-on estimates. You’ll interact with policyholders, contractors, and attorneys while negotiating fair settlements.

The role requires Hawaii adjuster licensing, 5+ years of property claims experience, and the ability to travel.

Qualifications

• Hawaii adjuster licensing must be obtained and maintained.
• Minimum 5 years of property claims experience, including field adjusting experience.
• Proficiency with Microsoft Office and claims management systems.
• Demonstrated ability to independently investigate, evaluate, negotiate, and resolve property claims.
• Strong written, verbal, and interpersonal communication skills.
• Excellent analytical, organizational, and time-management abilities.
• A customer-first mindset and the professionalism to remain calm and empathetic in high-pressure or emotionally challenging situations.
• Ability to work independently while effectively managing a mobile, field-based schedule.
• Ability to climb, kneel, crawl, and lift up to 30 pounds unassisted.
• Ability and willingness to travel throughout the assigned territory, with occasional travel outside the region.
• Successful completion of required pre-employment drug testing and health screening.

Responsibilities

• Conduct thorough on-site property inspections, including scoping, photography, documentation, and estimates.
• Investigate and evaluate first-party property claims to determine coverage, damages, and claim exposure.
• Review policies, leases, contracts, by-laws to evaluate claim validity and coverage.
• Communicate professionally with policyholders, contractors, attorneys, vendors, and internal partners.
• Use claims estimating tools to prepare, review, and validate estimates.
• Partner with Subrogation and Fire/Fraud Investigations when appropriate.
• Maintain complete claim documentation and activity notes.
• Establish and maintain claim reserves, updating as info changes.
• Prepare professional claim correspondence including RO and denial letters.
• Negotiate settlements within authority levels.
• Represent Heritage in legal proceedings as needed.
• Stay informed about construction practices and local market costs.
• Respond promptly to questions from policyholders and partners.
• Identify and report safety, regulatory, or compliance concerns.
• Travel throughout the territory with occasional travel outside region.
• Participate in CAT and surge operations.

Skills

Hawaii adjuster licensing

5+ years property claims

Microsoft Office

claims management systems

investigate and negotiate claims

Tools

Claims management systems

Job description

Heritage Insurance, part of Heritage Companies, seeks an experienced Field Adjuster in Honolulu, HI to handle moderate- complexity first-party property claims with on-site inspections and hands-on estimates. You’ll interact with policyholders, contractors, and attorneys while negotiating fair settlements.

The role requires Hawaii adjuster licensing, 5+ years of property claims experience, and the ability to travel.