Casualty Claim Adjuster - In Office - Jacksonville, FL

Job Description

Job Description

Casualty Claim Adjuster

Join a collaborative, service-focused team where analytical rigor, sound judgment, and professionalism are valued. At Stillwater Insurance Group , the Casualty Claim Adjuster II plays a critical role in investigating, evaluating, negotiating, and resolving complex casualty claims while delivering exceptional service to policyholders and internal partners.

Why Stillwater?

Stillwater Insurance Group is a mid-sized national insurance provider offering home, auto, and commercial insurance products across all 50 states. Headquartered in Jacksonville, Florida, with offices in New York, and Omaha. We are known for our supportive culture, strong values, and people-first approach.

Our employees describe Stillwater as a workplace with accessible leadership, strong integrity, and a genuine commitment to teamwork and professional growth. We emphasize collaboration, accountability, and internal development within a high-performing environment.

Role Overview

The Casualty Claim Adjuster is responsible for investigating, analyzing, negotiating, and resolving first- and third-party casualty claims involving homeowner, dwelling, condominium, renters, and commercial policies across Stillwater’s 50-state market.

This is a primarily in-office, desk-based role located in our Jacksonville, FL location. Occasional travel may be required for scene inspections, loss investigations, settlement conferences, mediations, or litigation-related matters. This level handles a significant percentage of claims involving coverage determination and dispute resolution , requiring strong technical and analytical expertise.

Key Responsibilities

• Investigate and analyze casualty claims to determine coverage, liability, damages, and exposure
• Manage disputed claims including AOBs, CRNs, NOIs, demands, and complex liability and litigation disputes.
• Interpret and apply complex policy language while protecting company rights and defenses
• Resolve the majority of assigned claims involving coverage determinations
• Prepare professional, original correspondence including reservations of rights, non-waiver agreements, disclaimers, partial denials, and coverage determination letters
• Perform detailed liability and damage evaluations, including bodily injury assessments and projected settlement ranges
• Communicate promptly and professionally with insureds, claimants, attorneys, agents, vendors, and internal stakeholders
• Manage disputed claims including AOBs, CRNs, NOIs, demands, and complex liability disputes
• Utilize appropriate adjusting resources, including remote tools, independent adjusters, and expert vendors
• Establish, monitor, and adjust claim and expense reserves based on claim development
• Ensure accurate and thorough claim documentation, file notes, and financial transactions
• Identify fraud indicators and refer matters to SIU when appropriate; collaborate with SIU investigators
• Identify and pursue subrogation and salvage recovery opportunities
• Prepare detailed claim summaries, reports, and litigation narratives for management, reinsurers, and regulatory purposes
• Negotiate effectively with claimants, attorneys, and other stakeholders to resolve claims at the optimal loss cost
• Ensure compliance with all applicable state insurance laws, Unfair/Fair Claims
• Practices Acts, and internal claims standards
• Deliver professional, solutions-oriented customer service while managing and diffusing conflict

Minimum Qualifications

• Bachelor’s degree (BA/BS/BBA) or equivalent combination of education and relevant experience
• 3–5 years of casualty claims handling experience
• Strong knowledge of property and casualty insurance policies and claims handling principles
• Demonstrated experience investigating and resolving liability and coverage issues
• Experience evaluating bodily injury claims and exposure
• Solid understanding of loss reserving principles and claim financial management
• Strong analytical, investigative, and problem-solving skills
• Excellent written and verbal communication skills
• Proficiency in Microsoft Office applications, including Excel
• Ability to manage multiple claims and competing priorities in a fast-paced environment
• Commitment to ethical standards, accuracy, and regulatory compliance
• Ability to obtain and maintain required adjuster licenses and continuing education

Preferred Qualifications

• Multi-state casualty claims handling experience
• Experience handling disputed, complex, or attorney-represented claims
• Familiarity with insurance litigation processes and pre-suit dispute resolution
• Working knowledge of Unfair Claim Practice Acts and applicable insurance codes

What You Can Expect

• A supportive, team-oriented culture
• Exposure to increasingly complex claims
• Opportunities for professional development and internal career growth
• Recognition for quality, efficiency, and sound claim decisions
• A workplace built on trust, integrity, and respect

Apply today to advance your career with Stillwater Insurance Group .

Employment offers are contingent upon successful completion of a background investigation and pre-employment drug screening. Stillwater Insurance Group is a drug-free workplace and an equal opportunity employer.