Property Adjuster (Inside)

We are seeking a detail-oriented Property Claims Adjuster to independently manage residential and commercial property claims throughout the investigation, evaluation, and resolution process. This position requires strong technical claims handling skills, sound coverage analysis, accurate estimating capabilities, and the ability to manage multiple claims of varying severity and complexity.

The successful candidate will conduct field investigations, evaluate coverage, determine loss exposure, prepare estimates, negotiate settlements, and provide comprehensive reporting to clients while maintaining compliance with applicable regulations and industry standards.

Primary Responsibilities

• Conduct field investigations involving residential and commercial property losses.
• Analyze policy language, endorsements, coverage forms, exclusions, and client instructions to determine coverage applicability and claim exposure.
• Evaluate and adjust property claims ranging from routine losses to complex, high-severity claims.
• Document damage through photographs, measurements, interviews, and detailed field notes.
• Prepare repair and replacement estimates utilizing Xactimate and other estimating resources.
• Establish and maintain appropriate claim reserves based on investigation findings and projected exposure.
• Prepare comprehensive reports, coverage analyses, settlement recommendations, and client communications.
• Draft settlement letters, denial letters, Reservation of Rights letters, and other claim correspondence.
• Conduct content inventory reviews and perform pricing analysis for personal property and business contents losses.
• Identify and investigate subrogation opportunities and preserve recovery rights.
• Retain and coordinate engineers, contractors, consultants, and other experts as necessary to evaluate causation, damages, and liability exposure.
• Negotiate settlements within established authority and provide recommendations on complex claim resolutions.
• Maintain accurate documentation, billing records, and expense reporting.
• Manage assigned caseload while meeting quality, service, and reporting standards.
• Maintain compliance with state regulations, carrier guidelines, and industry best practices.
• Participate in continuing education and maintain all required adjuster licenses.

• Requires a high school diploma; advanced education beyond high school preferred or an equivalent combination of education and experience.
• Previous experience as a claims adjuster or must complete Capstone specified adjuster training if no experience.
• If previous adjuster experience, working knowledge of Xactimate is preferred.
• Must be licensed, or have the ability to obtain license(s), as required by state and local jurisdictions to adjust insurance claims.

Skills and Competencies:

• Ability to work in a high volume, fast paced environment managing multiple tasks. 
• Ability to provide excellent service to policyholders and clients. 
• Ability to efficiently operate a computer and related claims and business software.
• Effective analytical and problem-solving skills necessary to make decisions and resolve conflict 
• Good verbal and written communication skills.
• Good attention to detail.
• Strong analytical and mathematical ability.  
• Ability to work independently in a virtual environment when required. 
• Good organizational and time management skills.  

Compensation & Benefits

We recognize that experienced claims professionals bring valuable technical expertise and industry knowledge. To support our team members both professionally and personally, we offer a competitive compensation and benefits package that includes:

• Competitive salary with annual merit-based increases
• Quarterly performance-based bonus opportunities
• Comprehensive medical, dental, and vision insurance
• 401(k) retirement savings plan
• Company-paid life insurance
• Short-term and long-term disability coverage
• Paid vacation, sick leave, and company holidays
• Fitness membership reimbursement program
• Company-sponsored training and professional development opportunities
• Ongoing support for continuing education and industry advancement

Physical Demand Requirements:

The physical requirements associated with the position are limited. Repetitive tasks associated with typing, note taking, telephonic communication and operating standard office equipment are required. Employees are required to work within a Capstone office unless otherwise directed by management.