Property Damage Liability Claims Adjuster

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Property Claims Examiner III based in United States. This role is responsible for investigating, evaluating, and resolving complex property insurance claims, with a focus on losses exceeding $300,000 in damages. You will assess coverage, documentation, appraisals, and verified damage to support fair and timely claim settlements. The position works closely with policyholders, independent adjusters, claims management, and legal counsel when litigation is involved. You will manage claim reserves, authorize payments within your authority, and ensure claim files remain accurate, compliant, and well documented. This is an opportunity to apply advanced property claims expertise in a role with significant responsibility for high-value losses. Accountabilities: - Investigate, evaluate, negotiate, and resolve property claims using technical expertise and sound judgment to promote fair and prompt settlements. - Review claims inspected by independent adjusters, verify coverage, investigate questionable claims, and ensure timely payments to policyholders. - Handle claims with damages generally exceeding $300,000, while managing smaller claims when business needs require. - Manage the full claim lifecycle when assigned, or take responsibility for specific coverages such as Personal Property or Fair Rental Value. - Adjust claim reserves and provide reserve recommendations in accordance with established policies and guidelines. - Process claim transactions accurately and maintain clear, concise, and complete claim file documentation. - Conduct daily diary reviews to ensure appropriate claim status updates and required correspondence are issued within applicable regulatory timeframes. - Process and authorize claim payments within the designated authority level. - Oversee independent adjusters and monitor adherence to applicable independent adjuster guidelines. - Maintain compliance with Department of Insurance regulations and internal claims policies and procedures. - Negotiate settlements promptly, ensuring payments reflect actual covered losses while protecting against invalid or unsupported claims. - Collaborate with claims management and legal counsel on claims involving litigation. Requirements: - At least 5 years of total claims experience, including a minimum of 2 years handling homeowners' (HO) claims involving losses exceeding $300,000. - At least 2 years of experience working for an insurance carrier. - A minimum of 2 years of property claims experience, with a strong focus on customer service. - Bachelor's degree or equivalent experience preferred. - Certification in CEA and Fair Claims Settlement Practices. - Strong knowledge of property claims investigation, coverage evaluation, reserving, settlement, and payment processes. - Excellent written and verbal communication skills, with the ability to communicate effectively with policyholders, adjusters, management, and legal professionals. - Proficiency with Microsoft Office, particularly Word and Excel. - Ability to manage complex, high-value claims while maintaining regulatory compliance, accurate documentation, and timely resolution. Opportunity to manage complex, high-value property claims and apply advanced claims expertise. - Collaborative exposure to policyholders, independent adjusters, claims leadership, and legal counsel.