Property Claims Adjuster

Property Claims AdjusterAt PALMS Insurance, a NextEra Energy company, we specialize in offering customized insurance solutions that address the unique needs of our clients. Our commitment to excellence, reliability, and customer satisfaction sets us apart as a trusted provider in the insurance industry. Are you ready to make a meaningful difference? Become a part of our team today.Position Specific Description Palms Insurance is seeking an experienced and driven Property Claims Adjuster to join our Claims Department. In this role, you will investigate, evaluate, and resolve property claims across affiliate and non-affiliate programs, ensuring fair, accurate, and timely outcomes consistent with policy terms and Palms Insurance's commitment to claims excellence. The ideal candidate brings solid property claims experience, strong analytical instincts, and a collaborative approach to working with internal teams, TPAs, and Business Management partners.Key ResponsibilitiesClaims Investigation & Evaluation: Investigate and evaluate property claims from first notice of loss through resolution, including coverage analysis, liability assessment, and damage valuationConduct thorough reviews of policy terms, conditions, exclusions, and endorsements to render accurate coverage determinationsCoordinate field inspections, independent adjuster assignments, and vendor engagements as needed to support claims evaluationIdentify and pursue subrogation opportunities and coordinate with legal counsel on recovery effortsEscalate complex, high-exposure, or long-tenured claims in accordance with internal reporting protocolsClaims Administration & Documentation: Maintain accurate, well-organized claim files in Palms' claims system, including all correspondence, coverage analyses, reserve documentation, and closure notesSet and maintain adequate reserves throughout the life of the claim, adjusting as new information develops and escalating per large loss reporting requirementsMonitor and manage claim diaries to ensure timely follow-up and resolutionPrepare and submit required large loss reports, reserve change documentation, and claims status updates to department leadershipTPA & Vendor Oversight: Monitor TPA claim handling activities to ensure consistent application of policy terms and compliance with Palms Insurance's claims standards and SLAsParticipate in TPA stewardship meetings, file audits, and reviews as part of the department's risk-based TPA oversight programCollaborate with claims support vendors to ensure quality outcomes and cost-effective resolutionCompliance & Quality: Contribute to audit preparation, regulatory filings, and compliance documentationIdentify and communicate emerging claims trends, coverage issues, and process improvement opportunities to department leadershipCollaboration: Partner cross-functionally with Underwriting, Actuarial, Finance, Legal, and Compliance teams to support sound claims outcomes and portfolio insightsContribute to a team culture grounded in fairness, transparency, and continuous improvementQualifications: 5+ years of property claims handling experience, including coverage analysis and damage valuation Strong working knowledge of property insurance policy language, terms, and conditions Experience with reserve setting and large loss escalation protocols Excellent written and verbal communication skills Experience handling commercial property claims Valid Adjuster Licenses Preferred Familiarity with subrogation principles and recovery workflows Experience with claims management platform TPA oversight or vendor coordination experience Active pursuit of or completion of CPCU, AIC, or equivalent industry designation Competencies Sound judgment and analytical thinking in complex coverage scenarios Accountability and integrity in claims handling Proactive communication and transparency with internal and external stakeholders Adaptability in a dynamic, growth-oriented environment Commitment to policyholder fairness and regulatory complianceJob Overview This position is responsible for handling personal injury and major property damages claims asserted by or against the company.Job Duties & Responsibilities • Investigates, evaluates and negotiates satisfactory settlements of personal injury and major property damage claims • Provides support and assistance to company attorneys throughout the claims litigation process, including court testimony • Performs other job-related duties as assigned Required Qualifications • Valid Driver's License (NON CDL) • High School Grad / GED • Experience: 6+ years Preferred Qualifications • Bachelor's Degree