Independent Property Field Adjuster

RYZE Claim Solutions; Gaylord (MI); On-site; USD 34,000 - 55,000; Full time

Job summary

Ryze Claim Solutions is seeking experienced Independent Field Adjusters to investigate and evaluate daily property claims on behalf of our clients in Michigan. This 1099 contractor role requires managing a high volume of claims with integrity and professionalism while delivering timely, accurate settlements in the field.

You will interpret policy coverages, establish reserves consistent with carrier expectations, and stay current with construction methods and pricing.

Qualifications

• High school diploma or equivalent required; associate’s or bachelor’s degree preferred.
• Minimum 2 years of experience handling property claims.
• Minimum 2 years of experience using Xactimate and Symbility estimating software.
• Strong understanding of insurance policies, practices, and procedures.
• General construction knowledge strongly preferred.

Responsibilities

• Promptly and effectively manage all assigned claims with minimal oversight.
• Make claim decisions within delegated authority per company and carrier policies.
• Accurately interpret policy coverages and apply appropriate claims practices.
• Establish and communicate reserves in alignment with carrier expectations.
• Maintain up-to-date knowledge of insurance policies, guidelines, and industry practices.
• Understand local construction methods, pricing, and repair standards.
• Submit supplemental reports as needed (e.g., severe incident reports, ITV reports).
• Provide exceptional customer service to all insureds, clients, and stakeholders.
• Maintain high standards of professional conduct throughout all assignments.
• Perform additional responsibilities as assigned.

Skills

Insurance knowledge

Construction knowledge

Education

High school diploma

Associate/Bachelor degree preferred

Tools

Xactimate

Symbility

Job description

Overview

We are seeking experienced Independent Field Adjusters to investigate and evaluate daily property claims on behalf of our clients. This role involves delivering timely, accurate, fair, and professional service while managing a high volume of claims independently. Contractors are expected to uphold the highest standards of service and professionalism, representing both the client and company with integrity.

Essential Responsibilities

• Promptly and effectively manage all assigned claims with minimal oversight.
• Make claim decisions within delegated authority per company and carrier policies.
• Accurately interpret policy coverages and apply appropriate claims practices.
• Establish and communicate reserves in alignment with carrier expectations.
• Maintain up-to-date knowledge of insurance policies, guidelines, and industry practices.
• Understand local construction methods, pricing, and repair standards.
• Submit supplemental reports as needed (e.g., severe incident reports, ITV reports).
• Provide exceptional customer service to all insureds, clients, and stakeholders.
• Maintain high standards of professional conduct throughout all assignments.
• Perform additional responsibilities as assigned.

Qualifications

• High school diploma or equivalent required; associate’s or bachelor’s degree preferred
• Minimum 2 years of experience handling property claims
• Minimum 2 years of experience using Xactimate and Symbility estimating software
• Strong understanding of insurance policies, practices, and procedures
• General construction knowledge strongly preferred

Important: This is a 1099 Independent Contractor Opportunity

This opportunity is classified as an independent contractor role under the IRS and applicable state laws, including New York. By applying, you acknowledge and agree to the following:

• You will not be classified as an employee of Ryze Claim Solutions, and no employer-employee relationship exists.
• You are responsible for your own taxes, insurance, and business expenses.
• You control the manner, timing, and method of completing your work, consistent with client expectations.
• You may provide services to other clients or entities, subject to applicable confidentiality or non-compete terms.

To qualify as a 1099 contractor under the ABC test:

• (A) You must be free from company control and direction in how work is performed.
• (B) The work must be performed outside the usual course of our business.
• (C) You must be customarily engaged in an independently established trade or business.

If you do not meet all three criteria, you may not be eligible for this engagement