Remote Property Claims Adjuster

Role Details Job Title: Property Claims Adjuster
Location: Remote / Hybrid (dependent upon on proximity of office location)
Employment Type: Full-Time
Requisition End Date 10/10/2026 (Posting may close earlier if filled or business needs change.)
Help us insure it
Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.
Role Overview We are seeking a Property Claims Adjuster to handle low-to mid-level commercial first-party property claims from assignment through resolution. Working under the supervision of the Claims Manager, this role will investigate claims, evaluate coverage and damages, establish appropriate reserves, and negotiate settlements within approved authority. The Property Claims Adjuster will also support the subrogation process for claims identified as having subrogation potential.
Key Responsibilities Adjust assigned claims to completion within approved authority.
Review, analyze, and interpret commercial package insurance policies to determine coverage applicable to each claim.
Investigate and evaluate claims using available evidence to determine coverage, damages, responsible parties, subrogation potential, and other relevant issues.
Assign and oversee independent adjusters, appraisers, vendors, and technical experts for on-site investigations and damage assessments as needed.
Obtain, review, and evaluate repair estimates and other documentation related to the claim.
Establish and maintain appropriate loss reserves based on the probable financial impact of each claim.
Identify claims with subrogation potential and support the applicable subrogation process.
Determine when expert assistance is appropriate and obtain approval before engaging experts.
Attend mediations for appropriate claim files.
Maintain accurate claim files, documentation, activity notes, and diaries in accordance with company policies and procedures.
Remain current on insurance industry developments, claims practices, and relevant trends.
Comply with all corporate policies, procedures, business controls, and safety requirements.
What You Bring Bachelor’s degree from an accredited four-year college or university.
3 - 5 years of relevant and progressively responsible experience in insurance claims.
Current state adjuster’s license.
Experience in handling commercial property or first-party claims preferred.
Experience interpreting commercial package policies preferred.
Ability to follow established work plans, timelines, procedures, and performance expectations.
Proficiency in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.
Commitment to cost-effective claims handling and compliance with company policies and procedures.
Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
Basic life and disability insurance
20 days of PTO and two floating holidays (prorated)
Approximately 11 paid holidays and volunteer time off
Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC

1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. About Us Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.
At our core, we are Always Advancing , driven by innovation and an entrepreneurial spirit that keeps us moving forward. Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. We are much more than just an insurance company; All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.
Remote
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