Inside Property Adjuster – CAT Claims

Jobtailor; Arizona; On-site; USD 65,000 - 90,000; Full time

Job summary

Jobtailor in Arizona seeks a Property Claims Adjuster to investigate, evaluate, and settle low to moderate complexity property claims, from FNOL through final settlement, with emphasis on policy interpretation and regulatory compliance.

You will apply Xactimate, Claim X, Hover, and Hosta to prepare estimates, document files, and coordinate with teams and vendors. Occasional CAT deployments and on-call shifts may be required.

Qualifications

• High School Diploma or GED required.
• 1+ year handling low/moderate complexity property claims or related experience.
• Active P&C adjuster license or ability to obtain within 90 days.
• Experience with Xactimate, Claim X, Hover, and Guidewire.
• Must demonstrate negotiation, investigation, and communication skills.

Responsibilities

• Investigate, evaluate, negotiate, and settle low to moderate complexity property claims.
• Confirm coverage, analyze liability, and negotiate settlements per state rules.
• Manage an assigned claims caseload and document files accurately.
• Coordinate with vendors, regulators, and internal teams to resolve claims.
• Use estimating tools to prepare and manage claims estimates and CAT support.

Skills

Claims Investigation

Coverage Analysis

Loss Assessment

Claims Documentation

Subrogation Identification

Risk Control

Estimate Writing

Policy Interpretation

CAT Response Operations

Claims Management

Education

High School Diploma

Tools

Xactimate

Claim X

Hover

Hosta

Guidewire Claims Center

Job description

• Investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims
• Confirm and analyze coverage, recognize liability exposure, and negotiate equitable settlements in compliance with state regulatory requirements
• Manage an assigned claims caseload
• Partner with vendors, internal business partners, and external regulators to facilitate claim resolution and compliance
• Investigate claim damages using information from insureds, third parties, and external resources
• Identify discrepancies and subrogation potential
• Identify coverage concerns, review prior loss history, and create SIU referrals when appropriate
• Determine coverage based on investigation information, policy terms, and contingencies
• Coordinate with management on settlement amounts outside authority limits
• Maintain accurate and current claim file documentation
• Use estimating technology platforms and virtual inspection tools to prepare and manage claims estimates
• Address jurisdictional challenges, legislation, and construction considerations
• Support workload surges and CAT response operations, including mandatory on-call dates and potential evening, weekend, and holiday work
• Travel for CAT deployments with minimal notice when assigned
• Handle various claim types, including higher-complexity claims, and perform additional duties as needed
• Identify, measure, monitor, and control risks in accordance with risk and compliance policies

Requirements

• High School Diploma or General Equivalency Diploma
• 1 year of experience handling low complexity property claims and/or customer service, military leadership, construction related industry/insurance experience
• Knowledge of estimating losses using Xactimate or similar tools and platforms
• Demonstrated negotiation, investigation, communication, and conflict resolution skills
• Working knowledge and understanding of claims contracts as well as application of case law and state laws and regulations
• Ability to prioritize and multi-task, including navigating through multiple business applications
• May need to travel up to 25% of the year (local & non-local) and/or work catastrophe duty when needed
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
• 1+ years of residential property adjusting of moderate complexity claims
• 1+ years of estimate writing skills using Xactimate or virtual estimating (i.e. Claim X, Hover, and Hosta)
• Experience handling claims from start to finish (FNOL, reviewing policy, making coverage decisions, settlement)
• Experience scoping the loss, assessing damages, interpreting policy and making claim decisions
• Experience on a Property Catastrophe team handling inside or field claims (i.e. wind, hail, hurricane, flooding)
• Experience working in Guidewire Claims Center
• Knowledge of homeowner property policies and endorsements
• Currently hold an active P&C Adjuster license
• Prior experience working directly for a standard insurance carrier
• Call center experience in a telephone concentrated environment
• Ability to work overtime and extended hours to support CAT claims
• US military experience through military service or a military spouse/domestic partner
• Must not require immigration support or visa sponsorship
• Licensed positions require a background check, including criminal history, education, employment verification, and a credit check consistent with applicable laws

Core Competencies

Demonstrates expertise in investigating and settling property insurance claims, with a strong focus on negotiation, compliance with state regulations, and effective communication. Proficient in using estimating tools like Xactimate and managing claims from inception to resolution.

Highest-signal resume keywords

• Property Insurance Claims Handling
• Xactimate Estimating Skills
• Negotiation and Conflict Resolution
• Active P&C Adjuster License
• Experience with Guidewire Claims Center

ATS Optimization Keywords

Hard Skills

• Claims Investigation
• Coverage Analysis
• Loss Assessment
• Claims Documentation
• Subrogation Identification
• Risk Control
• Estimate Writing
• Policy Interpretation
• CAT Response Operations
• Claims Management

Soft Skills

• Communication Skills
• Conflict Resolution
• Multi-tasking Ability
• Prioritization Skills
• Team Collaboration

Certifications & Qualifications

• P&C Adjuster License

Industry Keywords

• Property Insurance
• Claims Contracts
• State Regulations
• Homeowner Policies
• Catastrophe Duty

Tools & Technologies

• Xactimate
• Claim X
• Hover
• Hosta
• Guidewire Claims Center