Senior Property Claims Adjuster (Complex, Large Loss Claims)

Tokio Marine HCC; Missouri; On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive salary

Benefits package

401(k) match

Paid time off

Health, vision, dental

Wellness program

Parental leave

Job summary

Tokio Marine HCC - Public Risk Group seeks a Senior Property Claims Adjuster to manage complex, multi-line first-party claims with autonomy and technical expertise. Handle claims from investigation to resolution, applying advanced coverage knowledge and strong judgment to deliver fair, timely outcomes for insureds and partners.

The role requires a bachelor's degree, five years of claims experience, an active state license, and strong communication, organizational, and negotiation skills.

Qualifications

• Bachelor's degree or equivalent education/experience.
• Minimum five years of relevant insurance claims experience.
• Active state adjuster's license(s).
• Excellent written and verbal communication.
• Professional presentation across business settings.
• Strong organizational and analytical focus with attention to detail.
• Ability to manage multiple tasks in a fast-paced environment.
• Self-motivated and able to work independently.
• Excellent interpersonal and negotiation skills.
• Proficiency with Microsoft Office Suite.

Responsibilities

• Analyze coverage issues, investigate, and evaluate damages to determine claim validity.
• Communicate with insureds and agents to provide high-quality service.
• Coordinate investigations and on-site scenes with independent adjusters.
• Assess structural damage estimates written in Xactimate.
• Review contractor and appraisal reports to determine damages.
• Recommend reserves and settlements beyond authority when appropriate.
• Prepare settlement terms for higher-value claims.
• Negotiate settlements with insureds and others within authority.
• Maintain organized claim files per policy and procedures.
• Travel for meditations and company meetings.

Skills

Strong communication

Time management

Analytical thinking

Negotiation skills

Independent worker

Interpersonal skills

Organizational skills

Education

Bachelor's degree

Active State Adjuster's License

Tools

Microsoft Office Suite

Job description

Role Details

Job Title: Senior Property Claims Adjuster (Complex, Large Loss)

Location: Remote (MA, GA, MS, UT, AL, FL, IN, IA, LA, MO, NC, OK, PA, TX, WI)/ Hybrid (in Troy, MI)

Employment Type: Full-Time

Help us insure it

Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.

Role Overview

We are seeking a Senior Property Claims Adjuster to manage complex, multi-line first party claims with a high degree of autonomy and technical expertise. In this role, you will handle claims from initial investigation through resolution, applying advanced coverage knowledge and strong analytical judgment to deliver fair, timely outcomes while providing exceptional service to our insureds and partners.

Key Responsibilities

• Analyze coverage issues, conduct investigations, and evaluate damages and liability to determine validity of complex property claims. Formulate and issue coverage position letters, seeking appropriate authority from management.
• Communicate with insureds and agents and provide customer service to the high standards of the company.
• Investigate claims by conducting interviews, assigning an Independent Adjuster to complete an on-site scene investigation, and preparing written correspondence to insureds, agents, and claimants.
• Ability to analyze an estimate of structural damage written with Xactimate software.
• Review contractor estimates, independent adjuster reports, appraiser reports, and engineering reports to determine extent of damages.
• Recommend reserves and settlements that are in excess of the defined authority limit.
• Recommend and present proposed settlement terms for claims that are in excess of the defined authority limit.
• Negotiate claim settlements with insureds, contractors, and other parties in the claims process within defined authority limits.
• Maintain claim files and documents in accordance with company policy and procedures.
• Travel for meditations and other business/ company meetings.
  

What You Bring

• Bachelor's degree or the equivalent combination of education and/or work experience.
• Minimum of five (5) years of relevant and progressive professional experience in insurance claims.
• Current Active State Adjuster's License(s).
• Excellent written and verbal communication skills.
• Consistently presents oneself professionally in varied business settings.
• Advanced organizational and analytical focus with high attention to detail.
• Effective at managing time and resources to accomplish multiple tasks in a fast-paced, deadline-oriented environment.
• Problem-solving approach to business issues.
• Self-motivated and able to work independently
• Strong interpersonal and negotiation skills.
• Proficiency in Microsoft Office Suite, specifically Outlook, Word, Excel, and PowerPoint.
  

What We Offer

• Competitive salary and comprehensive benefit package
• Strong learning culture with ongoing development opportunities
• Opportunities for growth and career advancement
• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO and two floating holidays (prorated)
• Approximately 11 paid holidays and volunteer time off
• Paid parental leave
• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
• Student loan matching program
• Employee discount program
• An opportunity to do meaningful work and love what you do
  

Disclaimer

You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC

• 1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance].

About Us

Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what’s next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.