Senior Field Property Claims Representative

Questpro; United States; Hybrid; USD 90,000 - 150,000; Full time

Benefits offered by this job

Medical Insurance

401(k) with Employer Contributions

PTO & Bereavement Leave

Training, Licensing & Tuition Reimb.

Work-From-Home / Hybrid Environment

Job summary

Questpro is seeking a Senior Commercial Claims Representative / General Adjuster to take ownership of large, complex commercial property losses and BI/loss of income claims. The role involves on-site inspections, advanced coverage analysis, and producing comprehensive reports within a TPA and reinsurance framework.

Ideal candidates will have 5+ years of verified experience adjusting large claims, expert Xactimate skills, and strong communication for executive-level reporting.

Qualifications

• 5+ years of verified experience adjusting large, complex commercial property claims.
• Strong ability to interpret complex policies and endorsements.
• Excellent written and verbal communication for executive-level reporting.

Responsibilities

• Manage end-to-end complex commercial/ commercial-residential property claims.
• Perform on-site inspections of loss sites and document conditions.
• Analyze coverage across multi-layered reinsurance programs.
• Prepare detailed repair estimates using Xactimate for large structures.
• Calculate business interruption and loss of income exposures.
• Author comprehensive, defensible reports in accordance with regulations.

Skills

Advanced coverage analysis

Xactimate proficiency

Independent work

Claims management software

Executive reporting

Tools

Xactimate

Job description

Senior Commercial Claims Representative / General Adjuster

Our client, a respected leader in the Property and Casualty insurance industry, is seeking an experienced Senior Commercial Claims Representative / General Adjuster to join their elite claims team. In this role, you will take full ownership of large-scale, complex commercial property losses, business interruption/loss of income claims, and multi-carrier programs. You will be responsible for advanced coverage analysis, on-site structural damage inspections, and authoring comprehensive, defensible reports within a Third-Party Administrator (TPA) and Reinsurance framework.

Key Responsibilities & Duties

• Complex Loss Adjustment: End-to-end management of large, high-exposure commercial and commercial-residential property claims.
• On-Site Inspections: Frequent travel to loss sites to personally inspect structural damage, evaluate property losses, and accurately document conditions.
• Advanced Coverage Analysis: Review and interpret complex commercial policies, endorsements, and multi-layered reinsurance programs.
• Expert Estimating: Utilize Xactimate to write accurate, highly detailed, and professional repair estimates for large commercial structures.
• Financial Evaluation: Calculate complex business interruption and loss of income exposures.
• Reporting & Compliance: Author detailed, technical reports and maintain immaculate, legally defensible claim documentation in strict accordance with statutory, regulatory, and ethical guidelines.

Mandatory Qualifications (Strictly Enforced)

• Experience: 5+ years of verified experience directly adjusting large, complex commercial and commercial-residential property claims. (General residential or low-level commercial experience does not qualify.)
• Technical Estimating: Expert-level Xactimate proficiency is mandatory — must be able to independently scope and estimate large, complex losses.
• Industry Knowledge: Deep, working knowledge of Third-Party Administrator (TPA) workflows and Reinsurance programs.
• Licensing: Active Resident or Non-Resident Adjuster License, with the ability to quickly obtain reciprocal licensing as required.
• Autonomy: Proven ability to work independently in a self-managed, high-stakes environment.
• Communication & Technology: Elite verbal and written communication skills for executive-level reporting, strong analytical and numerical skills, and expert-level proficiency with Outlook and claims management databases.
• Logistics: Valid driver's license, clean driving record, and active automobile insurance for required field travel.

What Our Client Offers

• Medical, Dental, and Vision Insurance
• Employer-paid Life Insurance
• 401(k) with Employer Contributions
• Generous Paid Time Off (PTO) & Bereavement Leave
• Training, Licensing, and Tuition Reimbursement Programs
• Work-From-Home / Hybrid Environment with Job Flexibility
• Positive, Team-Oriented Culture with Regular Employee Events
• Employee Referral & Company-Wide Recognition Programs