Job Description:
• Review claim forms, insurance policies, endorsements, client instructions, and supporting documentation to evaluate coverage and determine potential exposure
• Investigate, evaluate, negotiate, and resolve residential and commercial property claims
• Establish and maintain appropriate loss reserves
• Prepare clear, accurate, and timely written reports
• Prepare settlement letters, coverage correspondence, denial letters, Reservation of Rights letters, and other claim-related communications
• Manage an assigned caseload while meeting productivity, quality, and client service expectations
• Maintain complete claim file documentation, diary management, and follow-up activities
• Review and manage field adjuster work product for accuracy, completeness, and compliance
• Analyze property damage estimates, photographs, inspection reports, invoices, and supporting documentation
• Evaluate contents inventories, perform pricing analyses, and prepare detailed claim inventory reports
• Conduct subrogation investigations and identify recovery opportunities
• Coordinate with consultants, contractors, engineers, experts, and independent service providers
• Negotiate settlements under the direction of the Claims Manager or Supervisor and within assigned authority
• Communicate with clients, insureds, field adjusters, and other claim stakeholders
• Record time and expense charges according to client billing requirements
• Maintain required adjuster licenses, certifications, and continuing education requirements
• Comply with regulations, company policies, client requirements, and service standards
• Maintain and expand professional and technical knowledge through education, training, and industry development
• Provide guidance and support to less-experienced adjusters when requested
• Participate in special projects and perform other assigned duties
Requirements:
• High school diploma or equivalent required
• College coursework, an associate degree, or a bachelor’s degree preferred
• Candidates without prior adjusting experience must successfully complete Capstone’s specified adjuster training program
• Working knowledge of Xactimate or comparable property estimating software preferred
• Previous independent adjusting experience helpful
• Farm and agricultural property claims experience is a strong plus
• Excess and Surplus (E&S) property claims experience is a plus
• Must hold, or have the ability to obtain and maintain, all adjuster licenses required by applicable state and local jurisdictions
• Ability to work remotely during Eastern Time Zone business hours
• Ability to manage multiple priorities and maintain accuracy in a high-volume, fast-paced environment
• Strong customer-service skills
• Strong analytical, investigative, mathematical, and problem-solving abilities
• Ability to interpret insurance policies, endorsements, claim documentation, and technical information
• Sound decision-making skills
• Excellent attention to detail and accuracy
• Effective written and verbal communication skills
• Ability to prepare clear, concise, and professional claim reports and correspondence
• Strong organizational, workload-management, and time-management skills
• Ability to work independently in a virtual environment
• Proficiency with claims management systems, estimating software, Microsoft Office, and other business applications
• Ability to work under pressure, meet time-sensitive deadlines, and maintain high-quality work product
Benefits:
• Competitive salary with annual raises
• Quarterly performance bonuses
• Medical, Dental, and Vision Insurance
• 401(k) Retirement Plan
• Short-Term and Long-Term Disability Insurance
• Life Insurance
• Paid Sick Leave, Vacation, and Holidays
• Fitness Membership Reimbursement
• Company-paid training and continuing education
• Remote work environment
• Opportunities for professional growth and advancement