Senior Property Adjuster

Lever, Inc.; Texas City (TX); On-site; USD 63,000 - 90,000; Full time

Job summary

Lever, Inc. in Texas City is seeking a Senior Property Adjuster to investigate, analyze coverage, negotiate, and settle complex property claims for our members. The role is telephone-centered with no required on-site loss inspections, focusing on moderate to high complexity cases.

You will work with vendors and internal partners, apply Xactimate for loss estimates, and ensure compliance with state laws. You may join on-call CAT responses and travel as needed.

Qualifications

• Water loss claims experience including water mitigation and estimating.
• High School Diploma or GED.
• 2 years property/claims adjusting experience.
• Knowledge of residential construction.
• Experience with estimating losses using Xactimate.
• Strong negotiation, investigation, communication and conflict resolution skills.
• Knowledge of property claims contracts and related state laws/regulations.
• Ability to prioritize and multitask across multiple applications.
• Acquire/maintain insurance adjuster license within 90 days.

Responsibilities

• Investigate, analyze coverage, and negotiate settlements for moderate complexity property claims.
• Coordinate with vendors and internal teams to resolve claims.
• Maintain accurate claim documentation and use estimating tools.
• Support CAT response and on-call shifts as needed.
• Navigate applicable legislation and construction considerations.

Skills

Water loss claims

Negotiation

Investigation

Communication

Conflict resolution

Multi-tasking

Adjuster license within 90 days

Education

High School Diploma or GED

Tools

Xactimate

ClaimsX

Hosta/Hover

Job description

Job Description

As a dedicated Senior Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate and settle complex property insurance claims presented by or against our members. You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. Adjusters recognize and empathize with members’ life events, as appropriate. The Inside Senior Property Adjuster role is a telephone concentrated environment without physical inspection of loss.

Key Responsibilities

• Proactively manages assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate moderate complexity claims resolution.
• May also involve external regulatory coordination to ensure appropriate documentation and compliance.
• Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources.
• May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics.
• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate.
• Determines coverage through analyzing investigation information involving moderate complexity policy terms and contingencies.
• Determines and negotiates moderate complexity claims settlement.
• Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.
• Maintains accurate, thorough, and current claim file documentation throughout the claims process.
• Applies proficient knowledge of estimating technology platforms and virtual inspection tools; Utilizes platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims.
• Applies working knowledge of industry standards of inspection, damage mitigation and restoration techniques.
• Serves as an informal resource for team members.
• Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
• Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
• May be assigned CAT deployment travel with minimal notice during designated CATs.
• Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Must Have Qualifications

• Experience handling water loss claims including water mitigation, water loss estimating and reconciliation
• High School Diploma or General Equivalency Diploma.
• 2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience.
• Developing knowledge of residential construction.
• Working knowledge of estimating losses using Xactimate.
• Demonstrated negotiation, investigation, communication, and conflict resolution skills.
• Working knowledge of property claims contracts and interpretation of case law and state laws and regulations.
• Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

Nice to Have Qualifications

• Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies (Hosta, Hover, Xactimate, ClaimsX)
• Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.)
• Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement)
• Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)
• Proficiency in Xactimate (Level 1 and/or Level 2 certification)
• Experience in a call center environment
• Currently hold an active Adjuster License
• Bachelor’s degree
• US military experience through military service or a military spouse/domestic partner

$63,000 - $89,993 a year