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Catastrophe Jobs in Ohio (NOW HIRING)

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Catastrophe information

What is a catastrophe?

Catastrophe jobs typically refer to roles involved in responding to and managing the aftermath of large-scale disasters, such as hurricanes, earthquakes, or floods. These positions often include catastrophe adjusters, risk analysts, emergency managers, and claims specialists who assess damages, help coordinate disaster response efforts, and process insurance claims. People in catastrophe jobs work for insurance companies, government agencies, or disaster recovery organizations, and often travel to affected areas on short notice. Their work is crucial in helping individuals and businesses recover after catastrophic events.

What are the key skills and qualifications needed to thrive as a catastrophe analyst, and why are they important?

To thrive as a Catastrophe Analyst, you need strong analytical abilities, a background in mathematics, statistics or environmental science, and often a relevant bachelor's degree. Familiarity with catastrophe modeling software (like RMS or AIR), GIS systems, and proficiency in data analysis tools such as SQL or Python is typically required. Excellent problem-solving skills, attention to detail, and effective communication are vital for translating complex data into actionable insights. These skills are crucial for accurately assessing risk, supporting insurance decisions, and improving organizational preparedness for natural or man-made disasters.

What are some common challenges faced by professionals in catastrophe risk management roles?

Professionals in catastrophe risk management often face challenges such as analyzing large and complex datasets, staying updated on evolving climate risks, and communicating technical findings to non-experts. They must balance the urgency of responding to disasters with the need for thorough risk assessment and mitigation planning. Collaboration across teams—such as claims, underwriting, and actuarial—is essential, and adapting to new modeling technologies is a regular part of the job.

What is the difference between Catastrophe vs Claims Adjuster?

AspectCatastropheClaims Adjuster
Required CredentialsInsurance licenses, certifications in catastrophe managementInsurance licenses, certifications in claims handling
Work EnvironmentDisaster sites, fieldwork after large-scale eventsOffice, fieldwork at claim sites
Industry UsageInsurance, disaster responseInsurance, claims processing
Common Search/ComparisonYesNo

While both roles are within the insurance industry, a Catastrophe specialist focuses on managing large-scale disaster claims and coordinating response efforts after major events. A Claims Adjuster handles individual claims, assessing damages and determining payouts. The key difference lies in scope: Catastrophe roles deal with widespread disasters, requiring specialized knowledge and fieldwork, whereas Claims Adjusters handle everyday claims at a more localized level.

Infographic showing various Catastrophe job openings in Ohio as of August 2026, with employment types broken down into 86% Full Time, 4% Part Time, and 10% Contract. Highlights an 69% Physical, 8% Hybrid, and 23% Remote job distribution.

Small Commercial Property Adjuster

Liberty Mutual

Sandusky, OH • On-site

$96K/yr

Full-time

Posted 27 days ago


Liberty Mutual rating

8.7

Company rating: 8.7 out of 10

Based on 162 frontline employees who took The Breakroom Quiz

72nd of 315 rated insurance


Job description

Description
Property Adjusters investigate commercial property claims, evaluate damages, determine coverage, set accurate loss cost estimates, control the insured's exposures and losses, manage consultants, and achieve a prompt, fair and equitable settlement according to fair claims handling requirements. Negotiate settlement of claims with varying complexity and perils.
Training is a critical component to your success and that success starts with reliable attendance. Attendance and active engagement during training is mandatory.
This role is also open to candidates located in Northern Ohio.
Responsibilities:
  • Conducts a prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin, and extent of loss. Reviews and utilizes financial statements to adjust moderately sized business interruption losses.
  • Conduct on-site appraisal or direct independent adjuster to determine facts relevant causation, damages and exposure.
  • Engages and manages consultants and independent adjusters as required. Monitors the costs to ensure they are reasonable and necessary.
  • Establishes and maintains accurate loss cost estimates and reserves for each claim for reporting, financial records, and other purposes.
  • Keeps the Insured and others informed about the claim's status with clear, timely and accurate written/oral communications. Effectively communicates in writing on moderately complex coverage issues with minimal review and coaching. Determines depreciation of claim.
  • Affirms or denies coverage of the claim based on the facts and the policy terms and conditions. Develops information necessary to make advance, partial and final payments when appropriate.
  • Meet time requirements of the policy and fair claims handling practices.
  • Effectively negotiate settlement of claims of varying complexity and perils. Achieves a prompt, fair and equitable settlement of a claim, where there is policy liability.
  • Keeps the electronic claim file properly documented with accurate, clear and timely information and reports that reflect the adjustment activities and substantiate any payments made.
  • May participate in quality assurance file review sessions and serve as a technical resource for less experienced claims personnel.
  • Will be called upon for catastrophe duty.
Qualifications
  • Knowledge of property insurance; commercial property claims; coverage evaluation; claims investigation, loss assessment, evaluation and reserves; financial analyses; insurance regulations; negotiation and settlement of moderate complexity claims.
  • Other skills required in a focus on customers.
  • Decision making; results oriented; spoken communication; and adaptability.
  • An ability to build relationships, mentoring and training less experienced team members, listen (i.e., comprehend nuances and acknowledge others' viewpoints), write business correspondence, produce accurate work, manage projects, manage vendors; and use core applications/spreadsheets as normally acquired through a bachelor's degree or equivalent.
  • Successful completion of required internal training programs and AIC (Associate in Claims) module 33.
  • At least 18 months of progressively responsible experience.
  • Ability and willingness to travel to the site of a catastrophe for assignments that may last several weeks.
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
  • California
  • Los Angeles Incorporated
  • Los Angeles Unincorporated
  • Philadelphia
  • San Francisco

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About Liberty Mutual

Sourced by ZipRecruiter

Since 1912, we've grown into the fifth largest global property and casualty insurer based on 2022 gross written premium. We also rank 86 on the Fortune 100 list of largest corporations in the US based on 2022 revenue. ​At Liberty Mutual Insurance we work hard every day to support our customers and our people, so they can protect their families, build their businesses and invest in their futures. We are headquartered in Boston, but our people, our customers and our reach span the globe. So to better serve our global customers and employees, we are organized into three business units.

Industry

Insurance services

Company size

10,000+ Employees

Headquarters location

Boston, MA, US

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