Property Adjuster (Field & Desk)

Department: Claims Administration & Adjusting

Employment Type: Permanent - Full Time

Location: Nashville, TN

Reporting To: Donna Mcearl

Compensation: $75,000 - $82,000 / year

Description

Key Responsibilities

• Manage a caseload of property claims from assignment through closure.
• Conduct coverage analysis and determine compensability based on policy language and applicable guidelines.
• Perform onsite inspections for residential and commercial property losses, including but not limited to fire, water, wind, hail, theft, and catastrophic events.
• Assess and document property damage through photographs, diagrams, measurements, and detailed claim notes.
• Prepare and review repair estimates utilizing industry-standard estimating platforms.
• Investigate cause and origin details and identify potential fraud indicators when applicable.
• Evaluate damages and establish accurate claim reserves.
• Negotiate settlements with policyholders, contractors, public adjusters, attorneys, and other involved parties.
• Coordinate with vendors, engineers, mitigation providers, and other experts as needed.
• Maintain timely and accurate claim documentation in accordance with client and regulatory standards.
• Perform desk-based claim handling activities including coverage review, estimate review, file management, correspondence, and payment processing.
• Ensure service level agreement (SLA) compliance and quality expectations are consistently met.
• Provide professional and empathetic customer service throughout the claim lifecycle.
• Communicate claim status, coverage determinations, and settlement information clearly and effectively.
• Respond to inquiries from insureds, clients, agents, and vendors within established timeframes.
• Build and maintain positive working relationships with internal and external stakeholders.
• Adhere to all company policies, client requirements, and state regulatory guidelines.
• Maintain appropriate licensing and continuing education requirements.
• Support quality assurance initiatives and participate in file reviews as needed.
• Identify process improvement opportunities and contribute to operational excellence initiatives.

Skills, knowledge & expertise

• 3+ years of property claims adjusting experience.
• Experience independently handling both field and desk property claims.
• Proficiency with estimating software and claims management systems.
• Demonstrated expertise handling large-loss, complex, or litigated claims.
• Experience mentoring or supporting junior adjusters preferred.
• Knowledge of residential and commercial property claims handling practices.
• Understanding of policy interpretation and coverage analysis.
• Strong investigation, negotiation, and analytical skills.
• Ability to manage competing priorities in a fast-paced environment.
• Excellent verbal and written communication skills.
• Strong organizational and time management abilities.
• Proficiency with Xactimate and other industry-standard claims platforms preferred.
• Intermediate Microsoft Office skills.
• Ability to work independently with limited supervision.
• Active adjuster license(s) as required by jurisdiction.
• Ability to obtain reciprocal licenses as needed.
• Xactimate certification preferred.
• Combination of field, office, and remote work environments.
• Frequent travel within assigned territory may be required.
• Ability to inspect damaged properties, including climbing ladders, walking uneven terrain, and working in adverse weather conditions.
• Occasional evening and weekend work may be required based on business needs and catastrophe events.
• Ability to lift and carry up to 25 pounds occasionally.
• Ability to stand, walk, bend, climb, and drive for extended periods.
• Ability to use a computer and mobile technology for prolonged periods.

Equal Employment Opportunity & Legal Notices

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time‑off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non‑exempt employees
• Paid holidays
• Life insurance and short‑term and long‑term disability coverage