Insurance Adjuster

Fortune Best Workplaces in Financial Services & Insurance

Desk Adjuster

Handles losses and claims valued up to $15,000 for property and casualty insurers through the thorough examination of documents, records, loss reports, and other relevant documentation. Efficiently manages a case load using technology for efficient claim processing.

Evaluates insurance policies, claims forms, policies, endorsements, carrier instructions, and other records to determine insurance coverage.

Conducts thorough investigations, gathers official reports as needed, consults police and hospital records and inspects physical damage or written estimates for damages based on a conducted inspection to determine extent of company's liability and varying methods of investigation, according to type of insurance.

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

Prepares report of findings and negotiates claim settlements by adhering to carrier instructions and obtaining necessary information. Issues settlement checks, files regulatory documents, and handles salvage and subrogation as applicable.

Recommends litigation by legal department when settlement cannot be negotiated.

Attends litigation hearings and participates in depositions as necessary.

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

Utilizes technology and automation tools for efficient claim handling.

Sends claims exceeding $15,000 gross loss amount to leadership for authority approval.

Bachelor's degree from an accredited college or university preferred. Appropriate state adjuster license is required.

Prior experience handling property and casualty claims a plus but not required.

Empathetic claims handling demeanor

PC literate, including Microsoft Office products

Ability to meet or exceed Performance Competencies

excellent judgment, troubleshooting, problem solving, analysis, and discretion; Computer keyboarding, travel as required

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. Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience. 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.