Property Adjuster (Inside)

Capstone ISG; Midlothian (VA); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Competitive salary with annual merit-based increases

Quarterly performance-based bonuses

Comprehensive medical, dental, and vision insurance

401(k) retirement plan

Paid vacation and sick leave

Company-sponsored professional development

Job summary

Capstone ISG is seeking a detail-oriented Property Claims Adjuster to manage residential and commercial property claims throughout their lifecycle, from investigation to settlement. This role requires strong technical skills in claims handling, sound coverage analysis, and the ability to handle multiple claims simultaneously.

The ideal candidate will conduct field investigations, evaluate coverage, prepare estimates, and negotiate settlements while maintaining compliance with regulations. A high school diploma is required, with preferred advanced education. The position is located in office in Richmond, VA.

Qualifications

• Previous experience as a claims adjuster or completion of specified training.
• Must be licensed or able to obtain necessary licenses.
• Experience in managing multiple tasks in a fast-paced environment.

Responsibilities

• Conduct field investigations for insurance claims.
• Analyze policy language and determine coverage applicability.
• Negotiate settlements and prepare comprehensive reports.

Skills

Detail-oriented

Analytical skills

Problem-solving skills

Communication skills

Organizational skills

Education

High school diploma; advanced education preferred

Tools

Xactimate

Job description

We are seeking a detail-oriented Property Claims Adjuster to independently manage residential and commercial property claims throughout the investigation, evaluation, and resolution process. This position requires strong technical claims handling skills, sound coverage analysis, accurate estimating capabilities, and the ability to manage multiple claims of varying severity and complexity.

The successful candidate will conduct field investigations, evaluate coverage, determine loss exposure, prepare estimates, negotiate settlements, and provide comprehensive reporting to clients while maintaining compliance with applicable regulations and industry standards.

Location

This position is in office in Richmond, VA.

Primary Responsibilities

• Conduct field investigations involving residential and commercial property losses.
• Analyze policy language, endorsements, coverage forms, exclusions, and client instructions to determine coverage applicability and claim exposure.
• Evaluate and adjust property claims ranging from routine losses to complex, high-severity claims.
• Document damage through photographs, measurements, interviews, and detailed field notes.
• Prepare repair and replacement estimates utilizing Xactimate and other estimating resources.
• Establish and maintain appropriate claim reserves based on investigation findings and projected exposure.
• Prepare comprehensive reports, coverage analyses, settlement recommendations, and client communications.
• Draft settlement letters, denial letters, Reservation of Rights letters, and other claim correspondence.
• Conduct content inventory reviews and perform pricing analysis for personal property and business contents losses.
• Identify and investigate subrogation opportunities and preserve recovery rights.
• Retain and coordinate engineers, contractors, consultants, and other experts as necessary to evaluate causation, damages, and liability exposure.
• Negotiate settlements within established authority and provide recommendations on complex claim resolutions.
• Maintain accurate documentation, billing records, and expense reporting.
• Manage assigned caseload while meeting quality, service, and reporting standards.
• Maintain compliance with state regulations, carrier guidelines, and industry best practices.
• Participate in continuing education and maintain all required adjuster licenses.

Requirements

• Requires a high school diploma; advanced education beyond high school preferred or an equivalent combination of education and experience.
• Previous experience as a claims adjuster or must complete Capstone specified adjuster training if no experience.
• If previous adjuster experience, working knowledge of Xactimate is preferred.
• Must be licensed, or have the ability to obtain license(s), as required by state and local jurisdictions to adjust insurance claims.

Skills And Competencies

• Ability to work in a high volume, fast paced environment managing multiple tasks.
• Ability to provide excellent service to policyholders and clients.
• Ability to efficiently operate a computer and related claims and business software.
• Effective analytical and problem-solving skills necessary to make decisions and resolve conflict.
• Good verbal and written communication skills.
• Good attention to detail.
• Strong analytical and mathematical ability.
• Ability to work independently in a virtual environment when required.
• Good organizational and time management skills.

Compensation & Benefits

• Competitive salary with annual merit-based increases.
• Quarterly performance-based bonus opportunities.
• Comprehensive medical, dental, and vision insurance.
• 401(k) retirement savings plan.
• Company-paid life insurance.
• Short-term and long-term disability coverage.
• Paid vacation, sick leave, and company holidays.
• Fitness membership reimbursement program.
• Company-sponsored training and professional development opportunities.
• Ongoing support for continuing education and industry advancement.

Physical Demand Requirements

The physical requirements associated with the position are limited. Repetitive tasks associated with typing, note taking, telephonic communication and operating standard office equipment are required. Employees are required to work within a Capstone office unless otherwise directed by management.