Property Claims Adjuster

Tokio Marine HCC; Oklahoma; Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive salary

401(k) with company match

Paid time off

Parental leave

Medical, vision, dental

Wellness program

Employee discount

Job summary

Tokio Marine HCC seeks a Property Claims Adjuster to handle low-to mid-level commercial first‑party property claims from assignment through resolution. Under supervision of the Claims Manager, you will investigate claims, assess coverage and damages, establish reserves, and negotiate settlements within authority.

You will also support subrogation for eligible claims. The ideal candidate holds a Bachelor's degree, 3–5 years of claims experience, a current state adjuster’s license, and strong

Qualifications

• Bachelor's degree required.
• 3–5 years of relevant claims experience preferred.
• Current state adjuster’s license required.
• Experience handling commercial property or first‑party claims preferred.
• Experience interpreting commercial package policies preferred.
• Excellent written and verbal communication skills required.

Responsibilities

• Adjust assigned claims to completion within approved authority.
• Review and interpret commercial package policies for coverage.
• Investigate and evaluate claims with evidence to determine coverage and damages.
• Coordinate with independent adjusters, appraisers, vendors, and experts for on-site work when needed.
• Obtain and evaluate repair estimates and related documentation.
• Maintain loss reserves based on probable financial impact.
• Support subrogation process for claims with subrogation potential.
• Maintain accurate claim files and prepare clear correspondence.

Skills

Communication skills

Analytical skills

Organizational skills

Negotiation

Investigative abilities

Independent work

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Role Details

Job Title: Property Claims Adjuster
Location: Remote / Hybrid (dependent upon on proximity of office location)
Reports To: Katie Toman
Employment Type: Full-Time
Requisition Begin Date: 08/10/2026
Requisition End Date 10/10/2026 (Posting may close earlier if filled or business needs change.)

Help us insure it

Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.

Role Overview

We are seeking a Property Claims Adjuster to handle low-to mid-level commercial first-party property claims from assignment through resolution. Working under the supervision of the Claims Manager, this role will investigate claims, evaluate coverage and damages, establish appropriate reserves, and negotiate settlements within approved authority. The Property Claims Adjuster will also support the subrogation process for claims identified as having subrogation potential.

Key Responsibilities

• Adjust assigned claims to completion within approved authority.
• Review, analyze, and interpret commercial package insurance policies to determine coverage applicable to each claim.
• Investigate and evaluate claims using available evidence to determine coverage, damages, responsible parties, subrogation potential, and other relevant issues.
• Assign and oversee independent adjusters, appraisers, vendors, and technical experts for on-site investigations and damage assessments as needed.
• Obtain, review, and evaluate repair estimates and other documentation related to the claim.
• Establish and maintain appropriate loss reserves based on the probable financial impact of each claim.
• Identify claims with subrogation potential and support the applicable subrogation process.
• Determine when expert assistance is appropriate and obtain approval before engaging experts.
• Attend mediations for appropriate claim files.
• Maintain accurate claim files, documentation, activity notes, and diaries in accordance with company policies and procedures.
• Prepare clear and timely correspondence for insureds, claimants, witnesses, and other stakeholders.
• Obtain approval before issuing coverage denials.
• Prepare loss reports for reinsurers and insurers in accordance with contractual requirements.
• Remain current on insurance industry developments, claims practices, and relevant trends.
• Provide guidance and support to less experienced adjusters.
• Identify opportunities to improve business practices and perform work in a thorough, cost-effective, and timely manner.
• Comply with all corporate policies, procedures, business controls, and safety requirements.
• Promptly report any breakdowns in business controls to management.

What You Bring

• Bachelor’s degree from an accredited four-year college or university.
• 3 - 5 years of relevant and progressively responsible experience in insurance claims.
• Current state adjuster’s license.
• Experience in handling commercial property or first-party claims preferred.
• Experience interpreting commercial package policies preferred.
• Excellent written and verbal communication skills.
• Strong analytical, organizational, and investigative abilities.
• High attention to detail and accuracy.
• Strong interpersonal, negotiation, and problem-solving skills.
• Ability to manage multiple assignments, deadlines, and competing priorities in a fast-paced environment.
• Ability to work independently while exercising sound judgment and escalating issues appropriately.
• Professional presence when interacting with insureds, claimants, vendors, experts, attorneys, and business partners.
• Ability to follow established work plans, timelines, procedures, and performance expectations.
• Proficiency in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.
• Commitment to cost-effective claims handling and compliance with company policies and procedures.

What We Offer

• Competitive salary and comprehensive benefit package
• Strong learning culture with ongoing development opportunities
• Opportunities for growth and career advancement
• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO and two floating holidays (prorated)
• Approximately 11 paid holidays and volunteer time off
• Paid parental leave
• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
• Student loan matching program
• Employee discount program
• An opportunity to do meaningful work and love what you do

Disclaimer

You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC

• 1033(e))(the “VCCLEA”), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.

About Us

Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our “Mind Over Risk” philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what’s next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.