Columbia Insurance

Claims Adjuster

• Investigate, evaluate, and adjust minor to moderate severity commercial property claims
• Conduct on-site inspections of commercial properties for covered losses, including fire, wind, water, and vandalism
• Document damage through photographs, measurements, diagrams, and written reports
• Determine cause of loss and confirm policy applicability
• Identify and communicate coverage issues and exposures
• Review commercial property policies, endorsements, and declarations to determine coverage, limits, deductibles, and exclusions
• Communicate coverage determinations to insureds, public adjusters, and agents
• Prepare and issue reservation of rights letters and coverage disclaimers or denial letters with supervision
• Prepare repair or replacement cost estimates using approved estimating software and pricing databases
• Evaluate contractor estimates and invoices
• Negotiate settlements within assigned authority
• Issue claim payments and settlement documentation in compliance with company procedures

Claims Field Adjuster