Property & Casualty Insurance Adjuster

Sedgwick; Florida; On-site; USD 45,000 - 65,000; Full time

Job summary

Sedgwick in Florida is seeking an experienced Claims Adjuster to join our on-site team, helping people when they face the unexpected. This role offers a collaborative culture and work-life balance in a supportive environment.

Responsibilities: evaluate policies, investigate losses, interview claimants, estimate costs, prepare reports, and negotiate settlements for claims up to $15,000. Required: Bachelor's degree, state adjuster license; IIA‑AIC within 12–18 months; three years of related

Qualifications

• Bachelor's degree required; IIA-AIC designation to be obtained within 12–18 months; active state adjuster license required.
• Three years of related experience; property and casualty claims preferred.
• Empathetic claims handling demeanor; strong written and verbal communication; analytical and interpersonal skills.
• Proficient PC literacy, including Microsoft Office.
• Ability to work in a team and meet performance competencies.
• Excellent reporting and negotiation abilities.

Responsibilities

• Evaluate policies, claims forms, and records to determine insurance coverage.
• Conduct thorough investigations; consult police/hospital records; inspect damages.
• Interview, telephone, and/or correspond with claimants and witnesses.
• Estimate cost of repair, replacement, or compensation.
• Prepare reports; negotiate settlements; issue settlement checks; handle salvage/subrogation as applicable.
• Recommend litigation by legal department when settlement cannot be negotiated.
• Attend litigation hearings and depositions as necessary.
• Revise case reserves in assigned claims to cover probable costs.
• Maintain an efficient caseload and meet deadlines.
• Utilize technology and automation tools for claim handling.
• Route claims exceeding $15,000 gross loss to leadership for authority.

Skills

Empathetic claims handling demeanor

Strong communication

Analytical

Organizational skills

Interpersonal skills

Negotiating skills

Report writing

Team player

Education

Bachelor's degree from an accredited college or university

IIA-AIC designation within 12 to 18 months

State adjuster license required

Tools

Microsoft Office

Job description

By joining Sedgwick, you'll be part of something truly meaningful. It’s what our 33,000 colleagues do every day for people around the world who are facing the unexpected. We invite you to grow your career with us, experience our caring culture, and enjoy work-life balance. Here, there’s no limit to what you can achieve.

Newsweek Recognizes Sedgwick as America’s Greatest Workplaces National Top Companies

Certified as a Great Place to Work®

Fortune Best Workplaces in Financial Services & Insurance

PRIMARY PURPOSE

Handles losses and claims valued up to $15,000 for property and casualty insurers through the thorough examination of documents, records, loss reports, and other relevant documentation. Efficiently manages a case load using technology for efficient claim processing.

ESSENTIAL FUNCTIONS and RESPONSIBILITIES

• Evaluates insurance policies, claims forms, policies, endorsements, carrier instructions, and other records to determine insurance coverage.
• Conducts thorough investigations, gathers official reports as needed, consults police and hospital records and inspects physical damage or written estimates for damages based on a conducted inspection to determine extent of company's liability and varying methods of investigation, according to type of insurance.
• Interviews, telephones, and/or corresponds with claimant and witnesses regarding claim.
• Estimates cost of repair, replacement, or compensation.
• Prepares report of findings and negotiates claim settlements by adhering to carrier instructions and obtaining necessary information. Issues settlement checks, files regulatory documents, and handles salvage and subrogation as applicable.
• Recommends litigation by legal department when settlement cannot be negotiated.
• Attends litigation hearings and participates in depositions as necessary.
• Revises case reserves in assigned claims files to cover probable costs.
• Maintains an expected caseload efficiently.
• Utilizes technology and automation tools for efficient claim handling.
• Sends claims exceeding $15,000 gross loss amount to leadership for authority approval.

ADDITIONAL FUNCTIONS and RESPONSIBILITIES

• ~ Performs other duties as assigned.

QUALIFICATIONS

Education & Licensing

• Bachelor's degree from an accredited college or university preferred. Must obtain IIA-AIC designation within 12 to 18 months in the role. Appropriate state adjuster license is required.

Experience

• Three (3) year of related experience or equivalent combination of education and experience required. Prior experience handling property and casualty claims a plus but not required.

Skills & Knowledge

• Empathetic claims handling demeanor
• Strong communication, analytical, organizational, and interpersonal skills
• PC literate, including Microsoft Office products
• Analytical and interpretive skills
• Negotiating skills
• Ability to create and complete comprehensive, accurate and constructive written reports
• Ability to work in a team environment
• Ability to meet or exceed Performance Competencies

WORK ENVIRONMENT

• When applicable and appropriate, consideration will be given to reasonable accommodations.
• Mental : Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines
• Physical : Computer keyboarding, travel as required
• Auditory/Visual : Hearing, vision and talking

The statements contained in this document are intended to describe the general nature and level of work being performed by a colleague assigned to this description. They are not intended to constitute a comprehensive list of functions, duties, or local variances. Management retains the discretion to add or to change the duties of the position at any time.

Sedgwick is an Equal Opportunity Employer and a Drug-Free Workplace.

If you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, consider applying for it anyway! Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience. You may be just the right candidate for this or other roles.