Property Claims Adjuster

HCC Service Company, Inc.; Troy (MI); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Competitive salary and comprehensive—

Job summary

Tokio Marine HCC - Public Risk Group in the United States is seeking a Property Claims Adjuster to handle low-to mid-level commercial first-party property claims from assignment through resolution. You will investigate, evaluate coverage and damages, establish reserves, and negotiate settlements within approved authority, while supporting the subrogation process as applicable.

Ideal candidates hold a bachelor’s degree, 3–5 years of claims experience, and a state adjuster license.

Qualifications

• Bachelor’s degree required.
• 3–5 years of relevant insurance claims experience.
• Current state adjuster license.
• Experience handling commercial property or first-party claims preferred.
• Strong written and verbal communication skills.
• Analytical, organizational, and investigative abilities.
• Ability to manage multiple assignments in a fast-paced environment.

Responsibilities

• Adjust assigned claims to completion within approved authority.
• Review policies to determine applicable coverage.
• Investigate and evaluate claims to determine coverage, damages, and subrogation potential.
• Coordinate with independent adjusters, appraisers, vendors, and experts.
• Obtain and review repair estimates and related documentation.
• Establish and maintain loss reserves based on probable financial impact.
• Support the subrogation process for applicable claims.
• Attend mediations for appropriate files.
• Maintain accurate claim files and prepare clear correspondence.
• Provide guidance to less experienced adjusters.

Skills

Analytical skills

Communication skills

Investigative abilities

Interpersonal skills

Negotiation skills

Time management

Independent work

Strong organizational skills

Education

Bachelor’s degree from an accredited four-year college or university

Tools

Microsoft Office Suite

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.

#LI-NL1 #LI- Remote

Your success is our priority. In a world that is rapidly changing, TMHCC enables you to take on opportunities with confidence. At Tokio Marine HCC, we pride ourselves on hiring the smartest, most conscientious people, who want to make a difference no matter their background. And then we give them the support and trust they need. We’re always looking for curious, creative transformative thinkers who want to change the status quo and have a passion for doing the right thing. If this is you, then we want you on our team.