Property Adjuster

AvonRisk; Kentucky; On-site; USD 80,000 - 90,000; Full time

Benefits offered by this job

HSA & FSA

Life & Disability Insurance

401(k) with Match

Paid Time Off

Holidays

Employee Assistance Program

Job summary

AvonRisk is seeking a Property Claims Adjuster to lead the investigation, evaluation, adjustment, and resolution of complex commercial property and public entity claims across Kentucky. The role combines field inspections with desk analysis to deliver accurate estimates, coverage determinations, and timely client reporting.

The ideal candidate has 7+ years of property adjusting experience, strong knowledge of Xactimate, and the ability to manage large-loss files while mentoring less experienced

Qualifications

• 7+ years of experience handling property claims.
• Demonstrated experience handling moderately complex claims.
• Solid knowledge and understanding of policies and endorsements related to casualty coverages.
• Solid knowledge and understanding of each phase of the claim handling process.

Responsibilities

• Investigate and adjust complex commercial property and public entity claims from first notice of loss through final resolution.
• Conduct onsite inspections throughout Kentucky, including inspection of roofs, interiors, building systems, and damaged structures.
• Evaluate coverage, determine scope of damages, establish reserves, and prepare detailed claim reports and recommendations.
• Prepare and review estimates utilizing Xactimate and other estimating platforms.
• Coordinate with insureds, contractors, engineers, mitigation vendors, attorneys, and other experts as needed.
• Manage large-loss and catastrophe-related property claims when assigned.
• Prepare reserve and settlement authority requests with well-documented claim analysis.
• Identify subrogation opportunities and pursue recoveries where applicable.
• Maintain compliance with client-specific claim handling guidelines and regulatory requirements.
• Serve as a technical resource and mentor to less experienced adjusters.

Skills

Microsoft Office

Xactimate

Construction terminology

Communication

Negotiation

Team collaboration

Education

High School education

Kentucky Adjuster License or ability to obtain

Tools

Xactimate estimating software

Job description

AvonRisk is the nation’s leading specialty risk manager for self-insured organizations, uniting respected regional leaders in workers’ compensation, liability, managed care, and risk management across 32 states. With nearly 700 professionals and brands including Intercare, InterMed, George Hills, and AS&G Claims Administration, we’re a people-focused, operations-driven organization that prioritizes reasonable caseloads, strong training, collaborative teams, and expert support.

We invest in tools and workflows that reduce friction—not increase volume—and create real career paths for professionals who want to grow or move into leadership. At AvonRisk, you’re part of a team that values good judgment, curiosity, and accountability, and gives you the support to succeed.

Position Summary:

The Property Claims Adjuster is responsible for the investigation, evaluation, adjustment, negotiation, and resolution of complex commercial property and public entity claims. This position combines field adjusting and desk examiner responsibilities, requiring onsite inspections, damage assessment, estimate review and preparation, coverage analysis, reserve management, and client reporting. The ideal candidate is an experienced property claims professional with strong commercial property expertise, the ability to independently manage complex losses, and a commitment to outstanding client service.

Essential Functions:

• Investigate and adjust complex commercial property and public entity claims from first notice of loss through final resolution.
• Conduct onsite inspections throughout Kentucky, including inspection of roofs, interiors, building systems, and damaged structures.
• Evaluate coverage, determine scope of damages, establish reserves, and prepare detailed claim reports and recommendations.
• Prepare and review estimates utilizing Xactimate and other estimating platforms.
• Coordinate with insureds, contractors, engineers, mitigation vendors, attorneys, and other experts as needed.
• Manage large-loss and catastrophe-related property claims when assigned.
• Prepare reserve and settlement authority requests with well-documented claim analysis.
• Identify subrogation opportunities and pursue recoveries where applicable.
• Maintain compliance with client-specific claim handling guidelines and regulatory requirements.
• Serve as a technical resource and mentor to less experienced adjusters.

Position Type/Expected Hours of Work:

This is a full-time salaried position, generally working Monday-Friday from 8:00 to 4:30. Occasional additional hours are required from time to time.

Travel:

Regular intrastate travel throughout Kentucky is required to conduct property inspections, meetings, and claim investigations. Travel is anticipated to be approximately 30-50% of work time, depending on claim volume and catastrophic events. Occasional overnight travel may be required. Ability to operate a motor vehicle and conduct field inspections is required.

Requirements

Knowledge, Skills and Abilities Required:

• Proficiency in entire Microsoft Office Suite
• Ability to read & write estimates, preferably Xactimate estimating software
• Ability to understand terminology used in construction industry
• Ability to establish and maintain effective working relationships with others
• Ability to work independently in both field and remote environments.
• Ability to adapt to changing technologies and learn functionality of new equipment and systems
• Excellent oral and written communication abilities, including the ability to communicate with all levels of individuals
• Confidentiality and discretion
• High degree of accuracy
• Exhibits strong attention to detail and understand its importance to the business
• Ability to work independently , as well as part of a team
• Ability to negotiate and settle issues
• Ability to deal with dissatisfied clients from time to time

Required Education and Experience:

• High School education
• Demonstrated experience handling property claims
• Demonstrated experience handling moderately complex claims
• Solid knowledge and understanding of policies and endorsements related to casualty coverages
• Solid knowledge and understanding of each phase of the claim handling process
• 7+ years of experience in property adjusting preferably commercial property

Preferred Education and Experience:

• Kentucky Adjuster License or ability to obtain.
• IICRC, AIC, CPCU, or other industry designations.

Physical Demands and Work Environment:

• While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to sit; stand; walk; use hands to finger, handle or feel; reach with hands and arms; climb up and down stairs; climb up and down ladders; moving self in different positions to accomplish tasks in various environments including tight and confined spaces; adjusting or moving objects up to 50 pounds in all directions
• This position may require employees to visit hazardous conditions and/or noisy environments

Compensation

Salary Range: $80,000-$90,000 annually

The salary range listed is an estimate. Actual compensation will be determined based on several factors such as a candidate’s experience, qualifications, skill set, and work location. Position is eligible for AvonRisk’s full benefits package.

AvonRisk offers a competitive, people-first benefits package:

• Company contributions to HSA and FSA plans
• Employer-paid life and disability insurance
• 401(k) with company match
• Paid time off (PTO) and company-paid holidays
• Employee assistance resources and a supportive culture that values balance and wellbeing

Equal Opportunity Employer

AvonRisk is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Pursuant to the Los Angeles and San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest or conviction records.