Property Claim Adjuster

Stillwater Insurance Group

. Investigate and analyze property claims to determine coverage, liability, and damages .

Posted 10/23/2026full-timeJacksonville • Florida • United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in property claims investigation and adjustment, with a strong focus on compliance with insurance regulations and effective communication with stakeholders. Proficient in utilizing Xactimate for property damage estimates and managing complex claims in a fast-paced environment.

Highest-signal resume keywords

Property Claims InvestigationXactimate ProficiencyRegulatory ComplianceAnalytical Problem-SolvingEffective Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Property Claims AdjustmentClaims Handling PrinciplesDamage EstimationSubrogation RecoveryReservation of Rights PreparationPolicy InterpretationFile DocumentationMulti-State Claims HandlingAOB ManagementComplex Claims Management

Soft Skills

Customer ServiceConflict ManagementAnalytical SkillsInvestigative SkillsTime Management

Tools & Technologies

XactimateMicrosoft OfficeRemote Inspection Tools

Certifications & Qualifications

Adjuster LicenseContinuing Education

Industry Keywords

Property InsuranceCasualty InsuranceUnfair Claims PracticesInsurance CodesClaims Documentation

About the role

Key responsibilities & impact

Investigate and analyze property claims to determine coverage, liability, and damages
Interpret and apply policy language while protecting company rights
Prepare reservation of rights, non-waiver agreements, disclaimers, and coverage determination letters
Communicate with insureds, agents, contractors, public adjusters, attorneys, and internal stakeholders
Utilize remote inspection tools and independent adjusters as appropriate
Maintain accurate claim documentation, file notes, and reserves
Identify and pursue subrogation and salvage recovery opportunities
Manage disputed claims, including AOBs, CRNs, NOIs, and complex scope or pricing disputes
Prepare detailed claim summaries and reports for management and regulatory purposes
Create and audit property damage estimates using Xactimate
Ensure compliance with applicable state insurance laws, regulatory requirements, and internal claims handling standards
Provide professional, solutions-focused customer service while managing conflict

Requirements

What you’ll need

5+ years of property claim experience as an adjuster with an insurance carrier
Bachelor’s degree (BA/BS/BBA) or equivalent combination of education and relevant experience
Strong knowledge of property and casualty insurance policies and claims handling principles
Experience investigating and adjusting residential and/or commercial property claims
Experience using Xactimate to write, review, and edit property damage estimates
Strong analytical, investigative, and problem-solving skills
Solid written and verbal communication skills
Proficiency in Microsoft Office applications, including Excel
Ability to manage multiple claims and competing priorities in a fast-paced environment
Commitment to ethical standards, accuracy, and regulatory compliance
Ability to maintain required adjuster licenses and continuing education
Preferred: experience handling multi-state property claims
Preferred: familiarity with Unfair/Fair Claims Practices and applicable insurance codes
Preferred: experience managing litigated or complex property claims

Benefits

Comp & perks

Supportive, team-oriented culture
Opportunities for cross-training and professional growth
Recognition for accuracy, efficiency, and service excellence
Workplace built on trust, integrity, and respect
Background investigation and pre-employment drug screening as part of employment offer process
Drug-free workplace
Equal opportunity employer