Claims Field Adjuster - MO

Claims Field Adjuster - MO Category Insurance Pay Philosophy The typical starting salary for this position is determined by a number of factors, including, but not limited to, acquired skills, experience, education, and certifications/designations. This position may be eligible for annual merit increases and participation in our bonus program. What are we looking for? Join our team as a Commercial Property Field Adjuster. In this position, you will be responsible for investigating, evaluating, and adjusting minor to moderate severity commercial property claims. Ideal candidates are located in the St. Louis, MO area. Basic Function and Responsibility The Commercial Property Field Adjuster is responsible for investigating, evaluating, and adjusting minor to moderate severity commercial property claims. This role involves on-site inspections of insured commercial properties, analysis of policy coverage, preparation of accurate damage estimates, and timely resolution of claims in accordance with company guidelines, policy provisions, and applicable regulations. The adjuster exercises independent judgment within assigned authority, communicates directly with insureds, agents, public adjusters and contractors, and issues reservation of rights letters and coverage DISCLAIMERS/denial letters in accordance with company standards and regulatory requirements. Essential Functions Conduct on-site inspections of commercial properties to assess property damage related to covered losses (e.g., fire, wind, water, vandalism, and other commercial property perils). Document damage through photographs, measurements, diagrams, and written reports. Determine cause of loss and confirm policy applicability. Identify potential coverage issues and exposures early in the claim process. Review commercial property policies, endorsements, and declarations to determine coverage, limits, deductibles, and exclusions. Identify and communicate coverage determinations clearly to insureds, public adjusters, and agents. With supervision, prepare and issue reservation of rights letters and coverage DISCLAIMERS/denial letters in accordance with company standards and regulatory requirements. Prepare detailed and accurate repair or replacement cost estimates using approved estimating software and pricing databases. Evaluate contractor estimates and invoices for accuracy, scope, and reasonableness. Negotiate settlements within assigned authority while maintaining fair claim practices. Issue claim payments and settlement documentation in compliance with company procedures. Qualifications Required Qualifications Minimum 35 years of commercial property claims adjusting experience. Strong knowledge of commercial property policy forms and endorsements. Understands policy language and has experience interpreting minor to moderate coverage matters. Experience conducting field inspections of commercial properties. Proficiency with estimating software (e.g., Xactimate or equivalent). Valid driver’s license with a clean motor vehicle report and the ability to travel within the assigned territory. Maintains a current adjuster license in designated home state (or willing to obtain one within 60 days after hire) with the ability to obtain additional non‑residential adjuster licenses. Exhibits excellent written and oral communication skills. Demonstrates sound negotiation, critical thinking and problem‑solving capabilities. Exhibits strong customer service skills with attention to detail. Preferred Qualifications Experience working in Guidewire Claim Center Professional designations such as AIC, CPCU, or equivalent. Education Qualifications Bachelor's Degree preferred. Benefits Medical, Dental, and Vision coverage 401(k) and company match Generous paid time off (PTO), paid company holidays, paid maternity/paternity leave, and supplemental sick leave Family‑like culture Year‑round wellness initiatives Company sponsored events Cell phone Company Car Opportunities for professional development with conferences, events, and continued education Columbia Insurance prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. #J-18808-Ljbffr Columbia Insurance