Senior Personal Property Adjuster - Field

AlphaStaffHCM; Philadelphia (Philadelphia County); On-site; USD 80,000 - 120,000; Full time

Benefits offered by this job

Medical benefits

401(k) with employer match

Pension

Life insurance

Paid time off

Holidays

Volunteer time off

Career development

Job summary

AlphaStaffHCM client is seeking a Senior Personal Property Field Adjuster in the Philadelphia area. You will evaluate high-value property losses, determine coverage, and negotiate settlements with policyholders, contractors, and vendors.

This on-site role blends hands-on field work with virtual losses analysis, requires independent judgment, and a commitment to accurate documentation and regulatory compliance. Overtime is paid; travel within one hour of airport may apply.

Qualifications

• 2+ years of property or claims adjusting experience handling moderately complex claims.
• Working knowledge of residential construction and property damage evaluation.
• Experience using Xactimate or similar estimating platforms.

Responsibilities

• Manage a caseload of complex property claims from initial assignment through resolution.
• Investigate losses using policyholders, third parties, and external data to form defensible conclusions.
• Analyze policy language and prior claim history to determine coverage and identify discrepancies.
• Negotiate settlements within authority limits and collaborate with leadership on high exposure claims.
• Partner with vendors and regulatory bodies to drive claims to resolution while maintaining compliance.
• Utilize virtual inspection tools and estimating platforms to assess damages and prepare detailed estimates.
• Maintain complete, accurate claim documentation reflecting decisions, rationale, and outcomes.
• Support catastrophe response efforts, including travel, on-call rotations, and extended hours.
• Serve as a resource for less experienced adjusters with guidance on complex scenarios.
• Handle claims involving legal counsel and navigate jurisdictional considerations including state regulations and construction factors.

Skills

Claims adjusting

Complex claims handling

Decision making

Communication

Education

High School Diploma or GED

Bachelor's degree

Active adjuster license

CPCU/AIC/SCLA designation

Tools

Xactimate

XactContents

ClaimsXperience

Job description

A client of AlphaStaffHCM™ is searching for a Senior Personal Property Field Adjuster. You'll step into a role where your judgment matters on complex claims that carry real financial and personal impact.

Summary

You're the kind of person who doesn't shy away from complexity. When a claim is messy, high-value, or emotionally charged, you lean in instead of backing off. You know how to balance empathy with objectivity, and you're comfortable making decisions when the answer isn't obvious. This isn't a role where you simply follow a checklist. You're trusted to assess, interpret, and negotiate outcomes that hold up under scrutiny. Some days you're working virtually, analyzing losses and building estimates. Other days, you're on-site, seeing the damage firsthand and connecting the dots others might miss. You move quickly, but you don't rush. You document thoroughly, think critically, and take ownership of your claims from start to finish. You're also the person others go to when a situation escalates or requires a steady, experienced hand. If you prefer highly structured, low-judgment work, this will feel uncomfortable. If you value solving complex problems and standing behind your decisions, you'll find this role rewarding. This is an hourly, non-exempt position with paid overtime available.

Key Responsibilities

• Manage a caseload of complex property claims, evaluating damages, coverage, and liability exposure from initial assignment through resolution
• Investigate losses using multiple sources including policyholders, third parties, and external data to form accurate, defensible conclusions
• Analyze policy language and prior claim history to determine coverage, identify discrepancies, and elevate concerns when necessary
• Negotiate settlements within authority limits and collaborate with leadership on higher exposure claims
• Partner with vendors, internal stakeholders, and regulatory bodies to drive claims to resolution while maintaining compliance
• Utilize virtual inspection tools and estimating platforms to assess damages and prepare detailed loss estimates
• Maintain complete, accurate claim documentation that reflects decisions, rationale, and outcomes
• Support catastrophe response efforts, including travel, on-call rotations, and extended hours when required
• Serve as a resource for less experienced adjusters, providing guidance on complex claim scenarios
• Handle claims involving legal counsel and navigate jurisdictional considerations including state regulations and construction factors

Must Have Qualifications

• High School Diploma or GED
• 2+ years of property or claims adjusting experience handling moderately complex claims, or relevant experience in construction or insurance
• Working knowledge of residential construction and property damage evaluation
• Experience using Xactimate or similar estimating platforms

  Nice To Have Qualifications

  • Experience with virtual claims handling tools such as ClaimsXperience
  • Advanced experience with XactContents
  • Background handling large loss or high-severity contents claims
  • Bachelor's degree
  • Industry designations such as CPCU, AIC, or SCLA
  • Active adjuster license
  • Residence within or willingness to relocate within one hour of Philadelphia International Airport
  • Military experience or affiliation

  Location

  Philadelphia, PA (Field-based; must reside within one hour of Philadelphia International Airport)

  Compensation And Perks

  • Salary range: $80,000 - $120,000 based on experience and market alignment
  • Medical, dental, and vision coverage
  • 401(k) with employer match, pension, and life insurance
  • Paid time off, holidays, and 16 hours of paid volunteer time annually
  • Parental benefits and adoption assistance
  • Ongoing career development and continuing education opportunities
  • Wellness programs supporting physical, financial, and emotional health

  Client does not provide visa sponsorship for this role.

  Disclaimers: AlphaStaff, Inc. and the Client are equal employment opportunity employers and do not discriminate against any applicant or employee based on race, color, sex, sexual orientation, gender identity, religion, national origin, age, past or present military service, disability, genetic information, or any other basis protected by applicable federal, state, or local laws.