Remote Property Claims Adjuster – Commercial

Tokio Marine HCC; Mississippi; Hybrid; USD 55,000 - 95,000; Full time

Benefits offered by this job

Competitive salary

401(k) plan with 6% company match

20 days of PTO + holidays

Medical, vision, dental coverage

Job summary

Tokio Marine HCC is hiring a Property Claims Adjuster to handle low-to mid-level commercial first-party property claims. You'll investigate, evaluate coverage and damages, establish reserves, and negotiate settlements under supervision.

The role also supports subrogation efforts and requires a state license and a four-year degree. The position is full-time with a hybrid/remote setup dependent on proximity to office.

Qualifications

• 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.

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.

Skills

Analytical abilities

Investigative abilities

Negotiation skills

Communication skills

Multitasking

Attention to detail

Problem-solving skills

Education

Bachelor’s degree

State adjuster’s license

Tools

Microsoft Office (Outlook, Word, Excel, PowerPoint)

Job description

Tokio Marine HCC is hiring a Property Claims Adjuster to handle low-to mid-level commercial first-party property claims. You'll investigate, evaluate coverage and damages, establish reserves, and negotiate settlements under supervision.

The role also supports subrogation efforts and requires a state license and a four-year degree. The position is full-time with a hybrid/remote setup dependent on proximity to office.