General Field Adjuster

The Property Field General Adjuster is an experienced property claims expert responsible for handling large and complex losses. This role requires advanced technical skills, high-level investigation and communication abilities, and the capacity to manage all aspects of claims, including directing vendors and experts. The General Adjuster will travel to large / complex loss locations for on-site inspections with minimal notice and ensure accurate and efficient claims processing.

What will you do?
•    Claims Handling: Manage the full life cycle of property claims, including field inspections, and handle large and complex losses.

•    Policy Interpretation: Interpret and understand complex policies, correctly apply coverages to the facts of the loss, and articulate the same to policyholders, their representatives, agents, brokers, and leadership.

•    Investigation and Communication: Conduct high-level investigations, communicate effectively with all parties involved, and present coverage rationale and damage adjustments.

•    Business Interruption and Income Loss: Demonstrate an understanding of Business Interruption and Business Income Loss coverages and their relationship to one another.

•    Technical Expertise: Recognize damage, determine the cause of damage and scope, and translate findings into workable estimates.

•    Vendor and Expert Management: Direct vendors and experts involved in the claims process.

•    Travel: Travel to large loss locations for on-site inspections with minimal notice.

Additional Responsibilities:
•    Operates Under Minimal Supervision: within a specified territory, including contacting applicable parties, obtaining statements, explaining the claim process, reviewing coverage, investigating, and identifying special investigation unit (fraudulent) indicators.

•    Field Investigations: Conduct full field investigations and as deemed to be in the best interest of both the client and company.

•    Estimate Preparation: Communicate, explain, and prepare estimates with detailed diagrams and reports.

•    Negotiation: Negotiate with insureds, contractors, and vendors.

•    Salvage/Subrogation: Assess salvage/subrogation potential and monitor to conclusion.

•    Risk Evaluations: Complete risk evaluations for both underwriting and claims.

•    Compliance: Conclude claims in compliance with all state rules and regulations.

•    Catastrophe (CAT) Events: May assist / respond with claims handling team(s) in catastrophe (CAT) events, which may include extended travel/overnight stays.

•    Continuing Education: Maintain continuing education (CE) courses for required state licensing.

Qualifications:
•    Extensive experience in property claims handling, particularly with large and complex commercial  losses likely with an incurred of $500,000 or greater and or commercial loss complexities such as Livestock, Grain, Growers, Time Element and Winery Fermentation losses etc. 
•    Strong technical skills and the ability to recognize and assess damage accurately.
•    Excellent investigation and communication skills.
•    Ability to interpret and apply complex policy coverages.
•    Experience in managing vendors and experts.
•    Willingness to travel for on-site inspections with minimal notice.
•    Commitment to maintaining continuing education and state licensing requirements.

Credentials:
• Bachelor’s degree
• Ten or more years of experience in property insurance, construction and or related field.
• State insurance adjusting license(s) and/or ability to obtain one. 
• Commercial Property Estimating including Farm and Ranch Claims Handling Expertise.
• Field Adjusting and Estimating Knowledge.
• Insurance designations such as Chartered Property Casualty Underwriter (CPCU), Associate in Claims (AIC) or Senior Claim Law Associate (SCLA).