Property General Adjuster - Remote

Selective Insurance; Michigan; On-site; USD 96,000 - 125,000; Full time

Benefits offered by this job

Health insurance

Retirement plan with company match

20 days paid time off

Employee Stock Purchase Program

Tuition assistance and reimbursement

Job summary

Selective Insurance seeks an experienced Property Claims Specialist to handle larger and more complex Property and Inland Marine claims, typically with exposures of $100,000 and above. You will investigate, estimate damages, deploy experts, obtain documentation, and effect accurate settlements within authority.

The role requires travel 25-50% and compliance with legal standards, with strong negotiation and communication skills essential to success in a fast-paced environment.

Qualifications

• Must be able to effectively communicate in all situations and negotiate verbally or in writing.
• Must interpret policies, contracts, and leases and recognize issues that require solutioning.
• Excellent customer service skills are required.
• Proficient in standard business software and claim-specific programs.
• Must hold a valid state adjuster license(s) and maintain CE credits.

Responsibilities

• Effectively evaluates and resolves coverage issues for commercial and residential property and inland marine claims.
• Responsible for coverage determinations, negotiations, reserving, and settlement within authority, including complex business income losses.
• Provides reports to Claims leadership, Underwriting, Reinsurance, and Actuarial on significant exposure cases.
• May assist/deploy for CAT duty; deployments typically two weeks but vary with need.
• Manages vendors and expenses efficiently.
• Reports on cases going to trial and attends proceedings when required by management.
• Ensures referrals and updates to reinsurers are timely.
• Car travel represents 25-50% of time.

Skills

Communication

Negotiation

Customer service

Education

Bachelor’s degree or equivalent experience

Tools

Xactimate

Claim software

MS Office

Job description

About Us

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work in 2025 for the sixth consecutive year.

About Us

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work in 2025 for the sixth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Overview

It is the responsibility of this position to provide superior property claims service by handling the company's larger and more complex Property and Inland Marine claims, generally with dollar exposures of $100,000 and above. This person will investigate the claim, estimate the property damages, select and deploy experts, obtain appropriate claim documentation, and effect accurate settlement within the prescribed authority and standards of performance. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

Responsibilities

• Effectively evaluates and resolves coverage issues for commercial and residential property and inland marine claims for the assigned region, with availability to assist as needed in all other regions.
• Responsible for all coverage determinations, negotiations, reserving, and settlement within established authority, including complex business income losses.
• Provides required reports to Claims leadership, Underwriting, Reinsurance, and Actuarial on significant exposure cases.
• This role will require assisting/deploying for CAT duty. CAT deployments are a minimum of two weeks but may be shortened or lengthened based on need.
• Effectively and efficiently manages vendors and expenses.
• Reports on all cases going to trial on a timely basis and attends portions of litigation or trials when summoned or when requested by management.
• Ensures proper referrals and timely updates to appropriate Reinsurer(s).
• Car travel represents approximately 25-50% of employee’s time

Qualifications

Knowledge and Requirements

• Must be able to effectively communicate in all situations and skillfully negotiate verbally or through written correspondence.
• Must be able to interpret and apply policies, contracts, and leases and recognize technical and legal issues that could develop while offering solutions to these challenges.
• Must have exceptional customer service skills.
• Must be proficient in both standard business-related software (i.e., Microsoft Outlook, Word, Excel, and PowerPoint) and claim-specific computer software programs.
• Must have a valid state-issued driver’s license in good standing and be able to drive an automobile.
• Must possess or secure and maintain appropriate state adjuster license(s) and continuing education credits.
• Must have the ability to work varying shifts.

Education And Experience

• 5 years of property claims experience required.
• Requires thorough knowledge of Commercial and Personal Lines coverages.
• Thorough of, and experience with Xactimate or other computer-based damage estimating software.
• Bachelor’s degree or equivalent experience preferred.

Total Rewards

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Pay Range

USD $96,000.00 - USD $125,000.00 /Yr.

Additional Information

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual’s unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences – and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.

For Massachusetts Applicants

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.