Senior Property Adjuster

Distro

. Investigate, evaluate, negotiate, and settle complex property insurance claims .

Posted 9/22/2026full-timePhoenix • Arizona • United StatesSenior💰 $63,590 - $114,450 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in investigating and settling complex property insurance claims while ensuring compliance with state regulations. Proficient in utilizing estimating technology and managing caseloads effectively, with strong negotiation and communication skills.

Highest-signal resume keywords

Property Claims AdjustingXactimate ProficiencyNegotiation SkillsInsurance Adjuster LicenseWater Loss Claims Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationCoverage AnalysisSettlement RecommendationsRisk ControlDamage Mitigation Standards

Soft Skills

Conflict ResolutionCommunication SkillsMulti-taskingTeam Collaboration

Tools & Technologies

XactimateHostaHoverClaimsXEstimating Technology Platforms

Certifications & Qualifications

Adjuster LicenseXactimate Level 1 CertificationXactimate Level 2 CertificationAINSCPCU

Industry Keywords

Property InsuranceClaims AdjustingResidential ConstructionState RegulationsSubrogation

About the role

Key responsibilities & impact

Investigate, evaluate, negotiate, and settle complex property insurance claims
Confirm and analyze coverage and recognize liability exposure
Negotiate equitable settlements in compliance with state regulatory requirements
Proactively manage an assigned caseload of moderately complex property claims
Partner with vendors and internal business partners to facilitate claim resolution
Coordinate with external regulators when needed to ensure documentation and compliance
Investigate claim damages using information from insureds, third parties, and external sources
Identify discrepancies and subrogation potential
Identify coverage concerns, review prior loss history, and create SIU referrals when appropriate
Determine coverage by analyzing investigation information, policy terms, and contingencies
Develop settlement recommendations and collaborate with management on amounts outside authority limits
Maintain accurate and current claim file documentation
Use estimating technology platforms and virtual inspection tools to prepare claims estimates
Apply inspection, damage mitigation, and restoration standards
Serve as an informal resource for team members
Address jurisdictional challenges involving legislation and construction considerations
Support workload surges and catastrophe response operations, including mandatory on-call dates and possible evening, weekend, and holiday work
Travel for CAT deployments with minimal notice when assigned
Handle various claim types, including higher-complexity claims
Identify, measure, monitor, and control risks in accordance with risk and compliance policies

Requirements

What you’ll need

High School Diploma or General Equivalency Diploma
2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims, or construction-related industry/insurance experience
Developing knowledge of residential construction
Working knowledge of estimating losses using Xactimate
Demonstrated negotiation, investigation, communication, and conflict resolution skills
Working knowledge of property claims contracts and interpretation of case law and state laws and regulations
Proficient in prioritizing and multi-tasking, including navigating multiple business applications
Acquisition and maintenance of an insurance adjuster license within 90 days and 3 attempts
Experience handling water loss claims, including water mitigation, water loss estimating and reconciliation
Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies such as Hosta, Hover, Xactimate, and ClaimsX
Experience handling large loss complex claims
Experience with full file ownership from FNOL through settlement
Insurance industry designations such as AINS, CPCU, AIC, or SCLA, or actively pursuing
Xactimate Level 1 and/or Level 2 certification proficiency
Experience in a call center environment
Currently hold an active Adjuster License
Bachelor's degree
US military experience through military service or as a military spouse/domestic partner

Benefits

Comp & perks

Best-in-class benefits supporting physical, financial, and emotional wellness
Comprehensive medical, dental, and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program
Paid holidays
16 paid volunteer hours
Wellness programs
Career path planning
Continuing education