Claim Adjuster

Overview The Renter’s Insurance Claims Adjuster investigates, evaluates, and resolves first-party renter’s claims (personal property, additional living expenses, loss of use, liability where applicable). This role balances technical coverage analysis with empathetic customer service, timely reserve stewardship, and accurate indemnity payments. The adjuster manages a personal caseload, ensures regulatory compliance, and partners with vendors, IA firms, and counsel to deliver outcomes aligned with AmTrust standards. Overview The Renter’s Insurance Claims Adjuster investigates, evaluates, and resolves first-party renter’s claims (personal property, additional living expenses, loss of use, liability where applicable). This role balances technical coverage analysis with empathetic customer service, timely reserve stewardship, and accurate indemnity payments. The adjuster manages a personal caseload, ensures regulatory compliance, and partners with vendors, IA firms, and counsel to deliver outcomes aligned with AmTrust standards. Responsibilities Coverage & Liability Determination Review policy forms, endorsements, and exclusions to assess coverage for first-party losses (theft, fire/smoke, water damage, vandalism, weather-related events). Identify potential subrogation and recovery opportunities; refer to subro as appropriate. Investigation & Evaluation Conduct recorded statements, obtain proof of loss, and collect documentation (receipts, photos, inventories). Order and assess reports (police, fire, vendor estimates); request SIU review on suspicious indicators. Evaluate damages and ACV/RCT where applicable; calculate ALE/Additional Living Expense and Loss of Use. Negotiation & Settlement Present clear coverage positions, negotiate fair settlements within authority, and issue payments timely. Maintain accurate and supportable reserves; escalated above authority when warranted. Customer Experience Serve as the single point of contact; set expectations for timelines, next steps, and documentation. Communicate empathetically and clearly via phone, email, and letter templates; handle escalations professionally. Regulatory & Compliance Adhere to Unfair Claims Settlement Practices statutes, state DOI requirements, and internal QA standards. Document claim files contemporaneously with clear rationale and action plans. Catastrophe (CAT) Support Participate in surge/CAT events (overtime/temporary reassignments as needed); maintain service levels during high-volume periods. Continuous Improvement Identify fraud trends, process gaps, and training opportunities; contribute to playbook and template updates. Required Qualifications 2–5+ years of personal lines property claims adjusting experience (renter’s/contents focus strongly preferred). Working knowledge of policy interpretation, contents valuation, ALE/Loss of Use, and subrogation basics. Strong written and verbal communication; ability to distill complex coverage into plain language. Proficiency with claims systems (e.g., Guidewire/Sigma/ClaimCenter or similar), MS Office, and digital estimating tools. Demonstrated compliance with state claims handling and documentation standards. Licensing: Active adjuster licenses as required by domicile and any assigned states (e.g., TX, FL, LA). Ability to obtain additional licenses within 90 days of hire. Preferred Prior experience with renter’s theft claims, smoke/soot damage, water mitigation, and content inventory reconciliation. Exposure to SIU referrals and early fraud indicators (e.g., prior loss history, documentation anomalies). Experience in CAT environments and surge workload management. Bachelor’s degree or equivalent experience; industry coursework The expected salary range for this role is $53,000-$67k/yr Please note that the salary information shown above is a general guideline only. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations. What We Offer AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off. AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities. AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future. #J-18808-Ljbffr AmTrust Financial