Senior Property Claims Adjuster

Stillwater Insurance Group; Jacksonville (FL); On-site; USD 65,000 - 95,000; Full time

Job summary

Stillwater Insurance Group in Jacksonville, FL is seeking a Property Claim Adjuster to join our Claims Department. You will investigate, evaluate, and resolve homeowner, dwelling, condo, renters, and commercial property claims across our 50-state market, with an emphasis on accuracy and timely service.

This in-office, desk-based role requires strong technical adjusting expertise, analytical capability, and the ability to interpret policy language while protecting company rights and maintaining

Qualifications

• 5+ years of property claim experience as an adjuster with an insurance carrier.
• Bachelor's degree (BA/BS/BBA) or equivalent combination of education and relevant experience.
• Strong knowledge of property and casualty insurance policies and claims handling principles.
• Experience using Xactimate to write, review, and edit property damage estimates.
• Strong analytical, investigative, and problem-solving skills.
• Solid written and verbal communication skills.
• Proficiency in Microsoft Office applications, including Excel.
• Ability to manage multiple claims and competing priorities in a fast-paced environment.
• Commitment to ethical standards, accuracy, and regulatory compliance.
• Ability to maintain required adjuster licenses and continuing education.

Responsibilities

• Investigate and analyze property claims to determine coverage, liability, and damages.
• Interpret and apply policy language accurately while protecting company rights.
• Prepare professional correspondence including reservation of rights, non-waiver agreements, DISCLAIMERS, and coverage determination letters.
• Communicate clearly and promptly with insureds, agents, contractors, public adjusters, attorneys, and internal stakeholders.
• Utilize remote inspection tools and independent adjusters as appropriate.
• Establish and maintain accurate claim documentation, file notes, and reserves.
• Identify and pursue subrogation and salvage recovery opportunities.
• Manage disputed claims including AOBs, CRNs, NOIs, and complex scope or pricing disputes.
• Prepare detailed claim summaries and reports for management and regulatory purposes.
• Create and audit property damage estimates using Xactimate; continuously refine estimating proficiency.
• Ensure compliance with applicable state insurance laws, regulatory requirements, and internal claims handling standards.
• Provide professional, solutions-focused customer service while effectively managing conflict.

Skills

Analytical skills

Communication skills

Multi-tasking

Education

Bachelor's degree

Tools

Xactimate

MS Office

Job description

Stillwater Insurance Group in Jacksonville, FL is seeking a Property Claim Adjuster to join our Claims Department. You will investigate, evaluate, and resolve homeowner, dwelling, condo, renters, and commercial property claims across our 50-state market, with an emphasis on accuracy and timely service.

This in-office, desk-based role requires strong technical adjusting expertise, analytical capability, and the ability to interpret policy language while protecting company rights and maintaining