Property Claims Adjuster

AmTrust Financial Services Inc.; Inwood (TX); Hybrid; USD 65,000 - 95,000; Full time

Benefits offered by this job

Medical & Dental Plans

401k Savings Plan

Paid Time Off

Job summary

AmTrust Financial Services is seeking an experienced Property Claims Adjuster to manage a portfolio of commercial property claims with a mix of fieldwork and desk-based management. You will investigate, assess damages, negotiate settlements, and collaborate with specialists to ensure fair, timely resolutions.

The ideal candidate will have strong negotiation, analytical, and communication skills, plus licensing as required.

Qualifications

• Proven experience handling property claims, preferably commercial property.
• Strong knowledge of property damage assessment and coverage analysis.
• Experience negotiating settlements and resolving claims efficiently.
• Excellent written and verbal communication skills.
• Proficient with claims software and virtual inspection tools.

Responsibilities

• Take ownership of a diverse inventory of commercial property claims from first notice through resolution.
• Investigate, evaluate, negotiate, and settle claims while ensuring compliance with policy provisions and regulatory requirements.
• Conduct on-site inspections to assess losses, document damage, gather evidence, and determine scope and cause.
• Utilize virtual inspection technology to evaluate damages and support timely resolutions.
• Analyze policies, contracts, estimates, and repair documentation to determine coverage and damages.
• Establish and manage claim reserves reflecting exposure throughout the claim life cycle.
• Negotiate settlements within authority limits and recommend resolutions on higher-exposure claims.
• Collaborate with contractors, engineers, attorneys, brokers, and policyholders to achieve outcomes.

Skills

Negotiation

Investigation

Analytical skills

Communication

Damage assessment

Coverage analysis

Field inspections

Vendor coordination

Licensing

Education

Adjuster licensing

Tools

ClaimXperience

Claims systems

Job description

Overview

Make an Impact Where It Matters Most

Are you an experienced property claims professional looking for an opportunity to handle meaningful commercial losses while enjoying a mix of fieldwork, autonomy, and collaborative decision-making? Join our team and play a critical role in helping businesses recover from property losses by delivering expert claim handling and exceptional customer service.As aProperty Claims Adjuster, you will manage a portfolio ofcommercial property claims of moderate complexity, leveraging your investigative expertise, coverage knowledge, and relationship-building skills to drive fair, timely claim resolutions. This role offers the flexibility to work both remotely and in the field, utilizing advanced technology and industry-leading tools to evaluate damages and settle claims effectively.

Responsibilities

What You'll Do

• Take ownership of a diverse inventory of commercial property claims from first notice through resolution.
• Investigate, evaluate, negotiate, and settle claims while ensuring compliance with policy provisions, company guidelines, and regulatory requirements.
• Conduct on-site inspections of damaged properties to assess losses, document damage, gather evidence, and determine scope and cause.
• Utilize innovative virtual inspection technology, including the ClaimXperience platform, to efficiently evaluate damages and expend claim resolution.
• Analyze policies, contracts, estimates, invoices, repair documentation, and other claim-related materials to determine coverage and damages.
• Apply sound judgment to interpret policy language, identify applicable coverages, and evaluate exclusions.
• Establish and manage claim reserves, ensuring they accurately reflect exposure throughout the life of the claim.
• Negotiate settlements confidently within authority limits and recommend resolutions on higher-exposure claims.
• Collaborate with contractors, consultants, engineers, forensic experts, attorneys, public adjusters, brokers, agents, and policyholders to achieve effective outcomes.
• Proactively communicate claim status, expectations, and resolutions while delivering a high level of customer service.
• Identify emerging exposures, recovery opportunities, and potential risks that could impact claim outcomes.

What Makes This Opportunity Attractive

• Work oncommercial property lossesthat provide greater complexity and technical challenge than routine personal lines claims.
• Enjoy a balanced combination offield investigations and desk-based claim management.
• Leverage modern claims technology to improve efficiency and enhance the customer experience.
• Gain exposure to a wide variety of property losses, stakeholders, and coverage scenarios.
• Exercise independent judgment while partnering with a supportive and experienced claims team.
• Build technical expertise and position yourself for future advancement within a growing claims organization.

Qualifications

What We're Looking For

• Proven experience handling property claims, preferably commercial property losses.
• Strong understanding of property damage assessment, coverage analysis, investigation techniques, and claim resolution practices.
• Experience working with contractors, public adjusters, engineers, restoration vendors, and legal representatives.
• Ability to inspect properties, evaluate damages, and determine appropriate claim outcomes.
• Skilled negotiator with strong analytical, organizational, and problem-solving abilities.
• Excellent written and verbal communication skills.
• Comfortable managing competing priorities and maintaining a high level of customer service.
• Proficiency with claims systems, virtual inspection technology, and standard business software.
• Appropriate adjuster licensing and industry credentials, where required.

Ideal Candidate

You're a seasoned property adjuster who enjoys investigating losses, making coverage decisions, and managing claims with a high degree of ownership. You thrive in a role that combines fieldwork, technical analysis, and customer interaction, and you take pride in delivering fair outcomes while helping insureds recover from unexpected losses.

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What We Offer

AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.

AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.

AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.