Liability Field Adjuster

Raphael and Associates; United States; Remote; USD 65,000 - 95,000; Full time

Benefits offered by this job

Bonus opportunities

401(k) with company match

Health insurance

Job summary

Raphael & Associates is seeking an experienced Field Adjuster to investigate property, general liability and auto claims while delivering excellent customer service in a fast-paced environment.

You will manage claims from intake through resolution, conduct on-site investigations, interview involved parties, and coordinate with subrogation or legal teams as needed. A valid license and driver’s license are required.

Qualifications

• 3+ years in independent adjusting or equivalent field claims experience.
• Current and valid adjuster license(s).
• Valid driver’s license required.
• Ability to conduct outdoor field investigations in varying weather.

Responsibilities

• Manage liability, property, and auto claims from intake to resolution with adherence to policy and regulations.
• Perform on-site investigations, document findings, take photos, and assess damages.
• Interview insureds, claimants, witnesses and contractors; enter detailed notes.
• Identify subrogation opportunities and coordinate with legal or subrogation teams.
• Collaborate with internal and external partners to produce clear, well-supported reports.
• Provide exceptional customer service with professional communication and empathy.

Skills

Field claims adjusting

Investigation

Liability assessment

Communication skills

Tools

Xactimate

FileHandler

ImageRight

Job description

Raphael & Associates is seeking an experienced, detail-oriented Field Adjuster to join our team. In this role, you will apply your industry expertise to investigate property, general liability and auto claims while delivering excellent customer service and managing competing priorities in a fast-paced environment. We’re looking for a self‑motivated professional who can independently assess situations, communicate effectively, and make sound decisions. Your knowledge of coverage analysis and negligence principles will be key to your success. Join a forward‑thinking organization that values your contributions and supports your professional growth. This is an opportunity to expand your skills, take on new challenges, and build a long‑term career.

Responsibilities

• Manage liability loss claims from initial intake through final resolution, ensuring all handling aligns with policy provisions, company guidelines, and applicable state regulations. Maintain ownership of each claim to ensure timely progress, accurate documentation, and appropriate settlement strategies.
• Perform comprehensive on‑site field investigations to evaluate property damage and determine liability exposure. Inspect loss locations, gather physical evidence, take photographs, and analyze contributing factors to support accurate claim assessments and coverage decisions.
• Conduct interviews with insureds, claimants, witnesses, contractors, and other relevant parties. Document all interactions thoroughly, capturing key statements, observations, and inconsistencies, and accurately enter detailed notes into internal claims management systems.
• Identify and evaluate potential subrogation opportunities by analyzing liability factors and third‑party involvement. Preserve evidence and coordinate with subrogation teams or legal partners to support recovery efforts when applicable.
• Collaborate effectively with internal stakeholders including claims examiners, supervisors and legal teams and external partners, such as, contractors, public adjusters and attorneys to produce clear, well‑supported reports. Ensure findings support accurate valuation of damages and informed claim decisions.
• Deliver exceptional customer service by maintaining consistent communication, setting clear expectations, and addressing inquiries promptly. Represent the company with professionalism, empathy, and integrity throughout the claims process, even in challenging or high‑stress situations.

Preferred Qualifications

• At least 3+ years of relevant experience at an independent adjusting company
• Must maintain current and valid adjuster license(es)
• Must maintain a valid driver’s license
• Strong project management skills and ability to work independently
• Strong working knowledge of insurance laws and general construction
• Strong verbal and written communication skills
• Excellent customer service skills
• Experience with FileHandler, Xactimate, and ImageRight, or similar is a plus
• Must be able to carry out field investigations that may require working outdoors in varying weather conditions, navigating different property types, and safely accessing loss sites, including those with potential environmental or structural challenges.

About Raphael & Associates

Raphael & Associates is a third‑party claims administrator and independent claims adjusting firm recognized internationally for exceptional service. We tailor solutions to client needs, leverage industry‑leading technology, and prioritize outstanding service and professional development. Our culture values camaraderie, vision, creativity, and a “roll‑up‑your‑sleeves” mentality.

Compensation and Benefits

We offer a competitive compensation package commensurate with experience, including salary, bonus opportunities, paid time off, medical/dental/vision/life insurance, and a 401(k) plan with company match. You will work closely with a dedicated leadership team and play a key role in supporting a growing, dynamic company.