Property Claim Adjuster - Jacksonville, FL

Stillwater Insurance Group; Jacksonville (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Stillwater Insurance Group is seeking a Property Claim Adjuster in Jacksonville, FL. This in-office role supports our Claims Department with accurate claim intake, detailed analysis, and exceptional service to policyholders and internal partners.

The role requires strong technical adjusting expertise, analytical ability, and the capacity to manage complex coverage and damage determinations while maintaining customer-focused service.

Qualifications

• Minimum 5+ years of property claim experience with an insurer.
• Bachelor’s degree or equivalent combination of education and experience.
• Strong knowledge of property and casualty insurance policies and claims handling principles.
• Experience using Xactimate to write and edit property damage estimates.
• Ability to handle residential and/or commercial property claims.

Responsibilities

• Investigate and analyze property claims to determine coverage, liability, and damages.
• Interpret policy language accurately while protecting company rights.
• Prepare professional correspondence including reservation of rights and coverage letters.
• Communicate with insureds, agents, contractors, and internal stakeholders.
• Utilize remote inspection tools and independent adjusters as appropriate.
• Maintain accurate claim documentation and reserves.
• Identify and pursue subrogation and salvage opportunities.
• Handle disputed claims including complex scope or pricing disputes.
• Prepare detailed claim summaries and reports for management.

Skills

5+ years property claim experience

Analytical skills

Customer service

Communication

Education

Bachelor’s degree or equivalent

Tools

Xactimate

Job description

Property Claim Adjuster

Join a collaborative, service-focused team where attention to detail, professionalism, and customer care are valued. At Stillwater Insurance Group, you will play a critical role in supporting our Claims Department by ensuring accurate and timely claim intake while delivering exceptional service to policyholders and internal partners.

Why Stillwater?

Stillwater Insurance Group is a mid-sized national insurance provider offering home, auto, and commercial insurance products across all 50 states. Headquartered in Jacksonville, Florida, with offices in New York and Omaha, we are known for our supportive culture, strong values, and people‑first approach.

Our employees consistently describe Stillwater as a place with great people, accessible leadership, and a genuine commitment to integrity. We emphasize teamwork, professional development, and internal growth within a positive, high-performing environment.

Role Overview

The Property Claim Adjuster is responsible for investigating, evaluating, negotiating, and resolving homeowner, dwelling, condominium, renters, and commercial property claims across our 50-state market. This is an in-office, desk-based role located in Jacksonville, FL. The position requires strong technical adjusting expertise, analytical capability, and the ability to manage complex coverage and damage determinations while delivering exceptional customer service.

Key Responsibilities

• Investigate and analyze property claims to determine coverage, liability, and damages
• Interpret and apply policy language accurately while protecting company rights
• Prepare professional correspondence including reservation of rights, non-waiver agreements, DISCLAIMERS, and coverage determination letters
• Communicate clearly and promptly with insureds, agents, contractors, public adjusters, attorneys, and internal stakeholders
• Utilize remote inspection tools and independent adjusters as appropriate
• Establish and maintain accurate claim documentation, file notes, and reserves
• Identify and pursue subrogation and salvage recovery opportunities
• Manage disputed claims including AOBs, CRNs, NOIs, and complex scope or pricing disputes
• Prepare detailed claim summaries and reports for management and regulatory purposes
• Create and audit property damage estimates using Xactimate; continuously refine estimating proficiency
• Ensure compliance with applicable state insurance laws, regulatory requirements, and internal claims handling standards
• Provide professional, solutions-focused customer service while effectively managing conflict

Minimum Qualifications

• 5+ years of property claim experience as an adjuster with an insurance carrier
• Bachelor’s degree (BA/BS/BBA) or equivalent combination of education and relevant experience
• Strong knowledge of property and casualty insurance policies and claims handling principles
• Demonstrated experience investigating and adjusting residential and/or commercial property claims
• Demonstrated experience using Xactimate to write, review, and edit property damage estimates
• Strong analytical, investigative, and problem-solving skills