P&C Property Damage Adjuster (Remote)

Key Responsibilities

• Review of new claims assignments within 24 hours of assignment/completion of the Plan of Action.
• Contact with the insured/claimant within 24 hours of assignment.
• Assign appraisers or coordinate the receipt of damage estimates according to client guidelines or approval.
• Determine if estimates or appraisals are appropriate based upon reported damages and other evidence.
• Gather evidence of damages, set and adjust reserve amount appropriately.
• Interview the claimant, the insured as necessary, and any witnesses.
• Evaluate the facts and law to determine liability and the amounts owed.
• Daily review of workflow and claim system reminders with follow-up and significant progress toward completion of any task set as a reminder, or received in workflow within 72 hours.
• Request payment authorization according to client guidelines and Johns Eastern policy and procedure.
• Follow client guidelines for any claim denial.
• Obtain internal investigation reports from the insured/client when permitted by the client.
• Maintain professional and timely communication with the client.
• Determine degree of Attorney involvement, if any.
• Always act with the utmost good faith in handling of the claim from beginning to closure.
• Set reminders within the claim system for necessary follow-up in an appropriate time frame.
• Accurately record any communication, or activity relevant to the claim, in the claim system notes.
• Follow branch procedures to mirror documents sent to you that are relevant to the claim file including e-mail.
• Meet the requirements of Continuing Education as required for licensure as an adjuster.
• Maintain a 95% claim closure ratio.
• Report to the Excess carrier on any claim that meets the requirements to do so.
• Immediately notify your supervisor and the client of any Summons and Complaint received, identify assigned defense counsel, communicate and cooperate with defense counsel.
• Read and understand the Excess Carrier Insurance Policy.
• Develop a working knowledge of Loss of Business Income and Extra Expense.
• Check for the Claimant’s compliance with the provisions in E.S. 627.52 Coverage Team.
• Evaluate the claim for subrogation opportunities and for possible fraud.
• Identify and pursue subrogation, contribution, indemnification or other opportunities to compel third parties to bear their share of responsibility.
• Interview the insured driver or other involved employee.
• Determine the injury status of all persons involved in a crash investigation.
• Obtain a recorded statement immediately if injury is indicated.
• Obtain Certificate of Destruction when called for by Statute (total loss).
• Verify ownership of the vehicle.
• Arrange for the removal of Claimant vehicle from facilities where storage is accruing (with Claimant permission if settlement has not taken place and liability exists upon the Insured).
• Interact with insurance adjusters from other companies, obtaining information needed to process your claim.
• Send out subrogation paperwork to the Claimant and/or their insurer and follow up to completion of subrogation efforts.
• Check for lien holders before making payment.
• Assist others as called upon by the Claims Supervisor/Manager.

Skills, knowledge & expertise

• College degree or equivalent experience
• Must have an active FL adjusters license or a state with FL reciprocity
• Maintain CEU credits for Adjuster license
• Excellent knowledge of Tort Law, bad faith procedures and case law, as well as principles of liability and medical terminology
• Previous experience with settling bodily injury claims
• Proficiency with Microsoft Office Suite
• Proactive, independent, dependable, and takes initiative with consistent follow through
• Superb written and verbal communication skills conducted in a timely manner with diverse audiences
• Superior time management skills with capability of working with and meeting deadlines
• Exceptional capability to multi-task and prioritize with excellent organization and documentation skills in a fast-paced work environment
• High level attention to detail with ability to utilize decision making and problem-solving skills
• Capable of working collaboratively and independently with minimal supervision
• Exhibit discretion with sensitive and confidential information

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

• Maintain regular and dependable attendance.
• Be available and able to perform job responsibilities during established work hours.