Small Commercial Property Adjuster

Liberty Mutual Insurance; Tacoma (WA); On-site; USD 70,000 - 100,000; Full time

Job summary

Liberty Mutual Insurance is seeking a Property Adjuster to investigate commercial property claims, evaluate coverage, and manage settlements. You will coordinate with consultants, maintain loss estimates, and communicate clearly with insured clients while ensuring fair handling and timely decisions.

The role requires knowledge of property insurance, strong investigative and negotiation skills, and readiness to travel for catastrophe-related assignments.

Qualifications

• Knowledge of property insurance; commercial property claims; coverage evaluation; claims investigation, loss assessment, evaluation and reserves; financial analyses; insurance regulations; negotiation and settlement of moderate complexity claims.
• 18+ months of progressively responsible experience.
• Ability and willingness to travel to catastrophe sites for assignments lasting several weeks.

Responsibilities

• Conduct prompt, thorough and fair investigation to determine coverage, origin, and extent of loss.
• Review financial statements to adjust moderately sized business interruption losses.
• Conduct on-site appraisal or direct independent adjuster to determine facts relevant to causation, damages and exposure.
• Engage and manage consultants and independent adjusters; monitor costs.
• Maintain accurate loss cost estimates and reserves for claims.
• Inform insured and others about claim status with clear communications; handle depreciation.
• Affirm or deny coverage based on policy terms; prepare payments as appropriate.
• Meet policy time requirements and fair claims handling practices.
• Negotiate settlements of claims of varying complexity and perils.
• Keep electronic claim files well documented.
• Participate in quality assurance reviews and serve as a technical resource.
• May be called for catastrophe duty.

Skills

Property insurance

Claims investigation

Negotiation

Communication

Mentoring/training

Project management

Writing / documentation

Relationship building

Vendor management

Financial analysis

Education

Bachelor's degree or equivalent

Job description

Description

Property Adjusters investigate commercial property claims, evaluate damages, determine coverage, set accurate loss cost estimates, control the insured's exposures and losses, manage consultants, and achieve a prompt, fair and equitable settlement according to fair claims handling requirements. Negotiate settlement of claims with varying complexity and perils.

Property Adjusters investigate commercial property claims, evaluate damages, determine coverage, set accurate loss cost estimates, control the insured's exposures and losses, manage consultants, and achieve a prompt, fair and equitable settlement according to fair claims handling requirements. Negotiate settlement of claims with varying complexity and perils.

Training is a critical component to your success and that success starts with reliable attendance. Attendance and active engagement during training is mandatory

Responsibilities

• Conducts a prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin, and extent of loss. Reviews and utilizes financial statements to adjust moderately sized business interruption losses.
• Conduct on-site appraisal or direct independent adjuster to determine facts relevant causation, damages and exposure.
• Engages and manages consultants and independent adjusters as required. Monitors the costs to ensure they are reasonable and necessary.
• Establishes and maintains accurate loss cost estimates and reserves for each claim for reporting, financial records, and other purposes.
• Keeps the Insured and others informed about the claim's status with clear, timely and accurate written/oral communications. Effectively communicates in writing on moderately complex coverage issues with minimal review and coaching. Determines depreciation of claim.
• Affirms or denies coverage of the claim based on the facts and the policy terms and conditions. Develops information necessary to make advance, partial and final payments when appropriate.
• Meet time requirements of the policy and fair claims handling practices.
• Effectively negotiate settlement of claims of varying complexity and perils. Achieves a prompt, fair and equitable settlement of a claim, where there is policy liability.
• Keeps the electronic claim file properly documented with accurate, clear and timely information and reports that reflect the adjustment activities and substantiate any payments made.
• May participate in quality assurance file review sessions and serve as a technical resource for less experienced claims personnel.
• Will be called upon for catastrophe duty.

Qualifications

• Knowledge of property insurance; commercial property claims; coverage evaluation; claims investigation, loss assessment, evaluation and reserves; financial analyses; insurance regulations; negotiation and settlement of moderate complexity claims.
• Other skills required in a focus on customers.
• Decision making; results oriented; spoken communication; and adaptability.
• An ability to build relationships, mentoring and training less experienced team members, listen (i.e., comprehend nuances and acknowledge others' viewpoints), write business correspondence, produce accurate work, manage projects, manage vendors; and use core applications/spreadsheets as normally acquired through a bachelor's degree or equivalent.
• Successful completion of required internal training programs and AIC (Associate in Claims) module 33.
• At least 18 months of progressively responsible experience.
• Ability and willingness to travel to the site of a catastrophe for assignments that may last several weeks.

About Us

Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

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