Remote Property Claims Adjuster — Municipal Risk Expert

Tokio Marine HCC; Louisiana (MO); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Competitive salary

Comprehensive benefits

401(k) with match

Paid parental leave

Paid holidays

Wellness program

Job summary

Tokio Marine HCC, Public Risk Group, is seeking a Property Claims Adjuster to handle low-to mid-level commercial first-party property claims with supervision from the Claims Manager. Investigate, evaluate coverage and damages, establish reserves, and negotiate settlements within authority.

Supports subrogation and maintains thorough claim files. The role requires a bachelor’s degree, 3–5 years of claims experience, a current state license, and strong communication and analytical skills.

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.

Responsibilities

• Adjust assigned claims to completion within approved authority.
• Review, analyze, and interpret commercial package 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.

Skills

Communication

Analytical

Organizational

Investigative

Attention to detail

Negotiation

Problem-solving

Time management

Independent work

Education

Bachelor’s degree

Tools

MS Office

Job description

Tokio Marine HCC, Public Risk Group, is seeking a Property Claims Adjuster to handle low-to mid-level commercial first-party property claims with supervision from the Claims Manager. Investigate, evaluate coverage and damages, establish reserves, and negotiate settlements within authority.

Supports subrogation and maintains thorough claim files. The role requires a bachelor’s degree, 3–5 years of claims experience, a current state license, and strong communication and analytical skills.