Inside Claims Adjuster

American Integrity Insurance Company of Florida, Inc.; Tampa (FL); On-site; USD 55,000 - 75,000; Full time

Job summary

American Integrity Insurance Group in Tampa, FL seeks an Inside Claims Adjuster to investigate and evaluate claims, determine coverage, and negotiate settlements under policy provisions.

The role requires a Bachelor’s degree, 3–5 years of claims experience, Florida license, and strong negotiation and communication skills. Office hours are in-office, with familiarity in Xactimate and MS Office expected.

Qualifications

• Bachelor’s degree from a four-year college or university.
• 3–5 years of prior experience as a claims adjuster.
• Florida 520 or 620 license desired; CPCU courses preferred.
• Strong negotiation and investigative abilities.
• Ability to communicate effectively with insureds, agents, and vendors.

Responsibilities

• Confirm coverage and identify/resolves coverage issues.
• Contact the insured on the same day the claim is assigned.
• Investigate cause of loss and procure proper documentation.
• Identify and recommend subrogation opportunities.
• Review and process correspondence and take appropriate action.
• Maintain an up-to-date claim file diary.
• Review adjuster reports for coverage and estimates accuracy.
• Process payments or denials based on policy coverage.
• Assess exposure and set proper reserves.
• Communicate with customers, agents, and partners professionally.
• Represent the company as the coverage and statutory expert.
• Maintain documentation and process claims in a timely manner.
• Meet service and quality standards and use the diary system.
• Manage special projects within time and quality guidelines.
• Develop and maintain relationships with insureds to gather information.
• Perform other related duties as assigned.
• Regular and reliable attendance is an essential function.

Skills

Analytical thinking

Negotiation

Communication skills

MS Office

Xactimate

Education

Bachelor’s degree

Tools

Microsoft Office

Job description

Our Company

American Integrity Insurance (NYSE: AII) is a leading provider of homeowners insurance, proudly serving over 400,000 policyholders across the Southeast. Comprised of more than 300 insurance professionals, most of whom work in our Tampa-area headquarters, and exclusively represented by more than 3,000 independent agents, we offer sound and comprehensive property and dwelling insurance to families throughout Florida, Georgia, South Carolina, and North Carolina. Our organization derives its Strength From IntegrityTM, and we are proud to have been recognized as a Top Place to Work in Tampa by the Tampa Bay Times and a Best Place to Work in Insurance by Business Insurance Magazine for the past twelve years. We have also rated among the Top Workplaces in the USA by USA Today for the past five years.

Learn more about American Integrity Insurance and our job opportunities at https://careers.aii.com.

A Day in the Life

Who knew Insurance could be this fun? From company picnics to charity events, no one can ever say American Integrity Insurance doesn't understand the importance of having fun, helping others, or giving back. Our company culture is priceless, and it's built around our six core values: Integrity, Commitment, Teamwork, Humility, Passion, and Fun. As a team working to provide home insurance solutions to our policyholders, together we aim to achieve greater heights each day and celebrate each other's accomplishments along the way. It is our mission to continue providing reliable, customer-centric homeowners insurance and paying claims in a timely manner when our customers suffer a loss – and to do so with Integrity.

Brief Summary

Title: Inside Claims Adjuster

You’ll Report To: Inside Claims Manager

As part of our inside claims team, you’ll investigate and evaluate claims reported on our policies to determine coverage and extent of damage in an attempt to reach an appropriate and negotiated settlement in accordance with statutory requirements, policy provisions and customary and reasonable mitigation techniques.

What You’ll Do

• Confirm coverage and identifies/resolves coverage issues.
• Contact the insured same day as the claim is assigned.
• Conduct thorough investigations on the cause of loss and procures proper documentation.
• Identify and recommend subrogation opportunities.
• Review and process correspondence and take appropriate action.
• Maintain an up-to-date claim file diary.
• Reviews adjuster reports for coverage and estimates accuracy.
• Process payment and or / denial based on policy coverage.
• Assess exposure and sets proper reserves.
• Communicate with customers, agents, and other partners verbally and in writing in a professional manner.
• Represent the company as the product coverage and statutory expert for our insured, agents, and vendors.
• Maintain appropriate documentation on all claim files and process claims in a timely manner.
• Meet company service and quality standards and effectively uses the diary system to remain current.
• Manage special projects, as assigned, within the established time and quality guidelines.
• Responsible for developing and maintaining open and trusting working relationships with the insured in order to gather pertinent information.
• Perform other related duties as assigned.
• Regular and reliable attendance is an essential function of the position.

What You’ll Need to be a Top Candidate

Education: Bachelor’s degree from a four-year college or university; or equivalent combination of education and experience.

Experience: Three (3) to five (5) years prior experience as a claims adjuster.

Licensure: State of Florida 520 or 620 License desired. Completion of insurance courses such as IIA, AEI, or CPCU preferred.

Skills:

• Ability to analyze facts and coverages in order to evaluate damages.
• Proven ability in negotiation and investigation required.
• Ability to communicate interpersonally with individuals and groups via telephone and in writing. Ability to communicate effectively with a wide variety of technical/professional / consumer clients.
• Microsoft Windows and Office Suite experience.
• Familiarity with industry claims systems and property estimating systems such as Xactimate.

Schedule: In-office Monday-Friday, 8:30-5:30pm. #LI-InOffice

Working Conditions: Normal business office environment. Must be able to remain in a stationary position for periods of time while constantly operating a computer and or other office productivity machinery such as a calculator or telephone. The person in this position needs to occasionally move about inside the office to access, office machinery or communicate with coworkers. The employee must occasionally lift and / or move up to 10 pounds.

Travel: Field travel, as required.

ADA: The above statements cover what are generally believed to be the principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of job duties.

American Integrity Insurance Group is an Equal Opportunity Employer.