Field Adjuster

By joining Sedgwick, you'll be part of something truly meaningful. It’s what our 33,000 colleagues do every day for people around the world who are facing the unexpected. We invite you to grow your career with us, experience our caring culture, and enjoy work-life balance. Here, there’s no limit to what you can achieve.

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Field Adjuster

******* 5+ years of c _ontinuous property insurance adjusting experience involving complex loss valuation and scope analysis (homeowners & commercial property. _*

PRIMARY PURPOSE :

Appraisal Assignment Execution

• Review claim files assigned to appraisal to understand the dispute parameters and valuation issues in scope.

• Perform loss inspections as necessary to evaluate disputed damages, including measurements, photo documentation, and condition assessments.

• Develop an independent scope of repairs and valuation reflecting the company’s appraisal position.

• Analyze differences between competing scopes and estimates to identify legitimate valuation variances.

Appraisal Process Participation

• Act as the company’s appointed appraiser in accordance with the policy appraisal clause.

• Exchange estimates, documentation, and supporting materials with the opposing appraiser.

• Engage in professional appraiser-to-appraiser discussions to narrow scope and pricing differences when possible.

• Participate in appraisal proceedings leading up to and including umpire involvement, as required.

Technical Analysis & Valuation Support

• Evaluate disputed repair methodologies, quantities, pricing, and code-related considerations.

• Review contractor estimates, expert reports, and supporting documentation for valuation relevance.

• Assess causation, scope, and pricing issues strictly within the confines of appraisal-eligible valuation matters.

• Provide clear rationale supporting the company’s appraisal position.

Documentation & File Support

• Prepare appraisal-related summaries, estimates, and supporting documentation suitable for appraisal review.

• Document inspection findings, valuation rationale, and appraisal activity in the claim system.

• Support post-appraisal file handling through clear documentation of appraisal outcomes and awarded values.

Communication & Coordination

• Communicate professionally with opposing appraisers, umpires, internal claim partners, and other involved stakeholders.

• Provide appraisal status updates and valuation insights to internal teams as needed.

• Escalate non-valuation or coverage-related concerns to appropriate claim or legal resources without expanding appraisal scope.

Experience & Technical Expertise

• 5+ years of continuous property insurance adjusting experience involving complex loss valuation and scope analysis (homeowners & commercial property).

• Preferred to have demonstrated experience handling claims that involve Appraisal Under the Policy or other alternative dispute resolution (ADR) mechanisms, but willing to train candidates with strong adjusting and estimating backgrounds who demonstrate aptitude for complex valuation disputes.

• Strong working knowledge of Xactimate.

• Familiarity with building construction, repair methodologies, and practical application of local code compliance requirements.

• Experience working with independent adjusters, contractors, engineers, and consultants.

Skills & Competencies

• Excellent analytical and critical-thinking skills, especially in complex scope disputes.

• Strong negotiation skills and the ability to support fair and defensible appraisal outcomes.

• Exceptional written and verbal communication.

• Ability to remain calm, professional, and impartial in adversarial or high-stress situations.

• Strong organizational skills with the ability to manage multiple appraisal files simultaneously.

Regulatory & Educational Requirements

• Active state adjuster license(s). If in Louisiana or Iowa, a specific appraisal license is required.

• Knowledge of state-specific appraisal laws, claim handling regulations, and policy application standards related to valuation and appraisal procedures.

Professional Certifications (Preferred but Not Required)

• AIC, CPCU, PTC, or similar property insurance credentials

• Xactimate Level 2 or 3 Certification

• Building/Restoration certifications (IICRC, HAAG, etc.) beneficial

• Comparable experience or certifications demonstrating equivalent expertise will be considered

ESSENTIAL FUNCTIONS and RESPONSIBILITIES

• Examines insurance policies and other records to determine insurance coverage.

• Interviews, telephones, and/or corresponds with claimant and witnesses regarding claim.

• Consults police and hospital records and inspects property damage to determine extent of company's liability and varying methods of investigation according to type of insurance.

• Estimates cost of repair, replacement, or compensation.

• Prepares report of findings and negotiates settlement with claimant.

• Recommends litigation by legal department when settlement cannot be negotiated.

• Attends litigation hearings.

• Revises case reserves in assigned claims files to cover probable costs.

• Assists in preparing loss experience report to help determine profitability and calculates adequate future rates.

ADDITIONAL FUNCTIONS and RESPONSIBILITIES

• Performs other duties as assigned.

• Supports the organization's quality program(s).

• Travels as required.

QUALIFICATIONS

Education & Licensing

Bachelor's degree from an accredited college or university preferred. Obtain IIA-AIC designation within 12 to 18 months. Appropriate state adjuster license is required.

Skills & Knowledge

• Strong oral and written communication, including presentation skills

• PC literate, including Microsoft Office products

• Demonstrated commitment to timely reporting

• Strong customer service skills

• Strong interpersonal skills

• Attention to detail and accuracy

• Good time management and organizational skills

• Ability to work independently or in a team environment

• Ability to meet or exceed Performance Competencies

WORK ENVIRONMENT

When applicable and appropriate, consideration will be given to reasonable accommodations.

Mental : Clear and conceptual thinking ability; excellent judgment and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines

Physical :

• Must be able to stand and/or walk for long periods of time.

• Must be able to kneel, squat or bend.

• Must be able to work outdoors in hot and/or cold weather conditions.

• Have the ability to climb, crawl, stoop, kneel, reaching/working overhead

• Be able to lift/carry up to 50 pounds

• Be able to push/pull up to 100 pounds

• Be able to drive up to 4 hours per day.

• Must have continual use of manual dexterity.

Auditory/Visual : Hearing, vision and talking

The statements contained in this document are intended to describe the general nature and level of work being performed by a colleague assigned to this description. They are not intended to constitute a comprehensive list of functions, duties, or local variances. Management retains the discretion to add or to change the duties of the position at any time.

As required by law, Sedgwick provides a reasonable range of compensation for roles that may be hired in jurisdictions requiring pay transparency in job postings. Actual compensation is influenced by a wide range of factors including but not limited to skill set, level of experience, and cost of specific location. For the jurisdiction noted in this job posting only, the range of starting pay for this role is $75/HR. Always accepting applications.

Sedgwick is an Equal Opportunity Employer and a Drug-Free Workplace.

If you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, consider applying for it anyway! Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience. You may be just the right candidate for this or other roles.

Sedgwick is the world’s leading risk and claims administration partner, which helps clients thrive by navigating the unexpected. The company’s expertise, combined with the most advanced AI-enabled technology available, sets the standard for solutions in claims administration, loss adjusting, benefits administration, and product recall. With over 33,000 colleagues and 10,000 clients across 80 countries, Sedgwick provides unmatched perspective, caring that counts, and solutions for the rapidly changing and complex risk landscape. For more, see sedgwick.com