Contract Insurance Adjuster Jobs in California (NOW HIRING)

A client of AlphaStaffHCM™ is searching for an Inside Senior Property Adjuster. This insurance carrier provides stability, strong operational support, and the opportunity to handle meaningful, real-world claims where your judgment directly impacts outcomes.

Job Description

As a dedicated Senior Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate and settle complex property insurance claims presented by or against policyholders. You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. Adjusters recognize and empathize with customers’ life events, as appropriate. The Inside Senior Property Adjuster role is a telephone concentrated environment without physical inspection of loss. You must reside within the Sacramento, CA area or be willing to relocate to be considered.

Key Responsibilities:

• Proactively manages assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.
• Partners with vendors and internal business partners to facilitate moderate complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.
• Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources. May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics.
• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing investigation information involving moderate complexity policy terms and contingencies.
• Determines and negotiates moderate complexity claims settlement. Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.
• Maintains accurate, thorough, and current claim file documentation throughout the claims process.
• Applies proficient knowledge of estimating technology platforms and virtual inspection tools; Utilizes platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims.
• Applies working knowledge of industry standards of inspection, damage mitigation and restoration techniques.
• Serves as an informal resource for team members.
• Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.
• Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
• May be assigned CAT deployment travel with minimal notice during designated CATs.
• Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Must Have Qualifications:

• 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 through multiple business applications.
• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.
• Must reside within the greater Sacramento, CA area - even though this is a work from home (WFH) environment.

Nice to Have Qualifications

• 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 (Hosta, Hover, Xactimate, ClaimsX)
• Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.)
• Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement)
• Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)
• Proficiency in Xactimate (Level 1 and/or Level 2 certification)
• Experience in a call center environment
• Currently hold an active Adjuster License
• Bachelor’s degree

Compensation and Perks

• Salary range: $90,000 - $110,000
• Best-in-class benefits to support their physical, financial, and emotional wellness
• Comprehensive medical, dental and vision plans, 401(k), pension, and life insurance
• Parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs
• Career path planning and continuing education to assist employees with their professional goals

Disclaimers: AlphaStaff, Inc. and the Client are equal employment opportunity employers and do not discriminate against any applicant or employee based on race, color, sex, sexual orientation, gender identity, religion, national origin, age, past or present military service, disability, genetic information, or any other basis protected by applicable federal, state, or local laws.