Property Large Loss General Adjuster

The Property Large Loss General Adjuster is responsible for investigating, evaluating, and resolving complex property insurance claims involving significant structural, commercial, or high-value residential losses. This role requires expert technical knowledge, excellent negotiation skills, and the ability to manage large-scale claims from initial assignment through final resolution while providing superior customer service to policyholders, agents, and internal partners.

Qualifications:

• 15+ years of property claims adjusting experience, including handling large or complex losses.


• Active Adjuster License(s) as required by state (or ability to obtain).


• Strong technical knowledge of property construction, building codes, and repair methodologies.


• Proficiency with claims technology and estimating software (e.g., Xactimate)


• Excellent analytical, problem-solving, and communication skills.


• Ability to travel frequently, sometimes on short notice, including CAT deployments.


• Preferred experience with commercial property, industrial risks, or high-net-worth residential claims.


• Preferred professional certifications (AIC, CPCU, PCLA, SCLA, or similar).


• Preferred background working with independent adjusting firms, insurance carriers, or TPAs.

Primary Job Functions:

• Lead comprehensive investigations of major property losses, including fire, water, wind, catastrophe-related damage, and specialty commercial claims.


• Conduct on-site inspections to determine scope, cause, and extent of damages.


• Analyze policy coverage, exclusions, and endorsements to establish claim validity and compensability.


• Coordinate and oversee experts such as engineers, forensic accountants, contractors, appraisers, or specialty consultants.


• Develop detailed estimates, scopes of repair, and settlement valuations using industry-standard tools (e.g., Xactimate).


• Manage large and complex claim files, ensuring timely and accurate documentation throughout the life cycle of the claim.


• Communicate regularly with insureds, agents, legal counsel, and internal stakeholders to provide updates and set expectations.


• Negotiate fair and efficient settlements in accordance with policy terms, industry standards, and company guidelines.


• Identify potential fraud indicators and follow appropriate escalation procedures.


• Serve as a subject matter expert on high-severity property claims to colleagues, underwriting teams, and management.


• Mentor junior adjusters and contribute to departmental training and development initiatives.


• Participate in large-loss reviews, audits, and quality assurance programs.


• Prepare detailed reports, coverage analyses, and settlement recommendations for management review.


• Ensure all claim handling practices comply with state regulations, company procedures, and industry best practices.


• Maintain accurate, organized files and meet all timelines for regulatory and internal reporting.


• Field-based role with significant travel requirements.


• Ability to inspect damaged structures, including climbing, walking on uneven surfaces, or working in post-disaster environments.


• Occasional extended hours during CAT events or high-volume periods.

The above cited duties and responsibilities describe the general nature and level of work performed by people assigned to the job.  They are not intended to be an exhaustive list of all the duties and responsibilities that an incumbent may be expected or asked to perform.

Additional Information:

• Full benefit package including medical, dental, life, vision, company paid short/long term disability, 401(k), tuition assistance and more.


• Fortegra is not accepting unsolicited resumes from search firms for this position.


• Internal Notice: As part of our commitment to talent development, this position is open for internal promotion applications at the time of public posting.