Flood Insurance Adjuster Jobs (NOW HIRING)

Location: St. Petersburg, FL - Must be able to work onsite at our downtown St. Petersburg headquarters four days per week, effective immediately.

Why Join Us?

At Bankers Insurance Group, we offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance.

• Medical Coverage through Blue Cross Blue Shield, including 100% preventive care and 24/7 telehealth
• Up to $2,000 annual HSA contribution for eligible plans
• 401(k) with automatic enrollment and a competitive, company performance-driven employer match to support your retirement goals
• Highly competitive, generous PTO program with flexible time off, 10 paid holidays, and paid volunteer days to support rest, balance, and community involvement
• Mental health & wellbeing support with a free, confidential Employee Assistance Program
• Company-paid life and disability insurance for added peace of mind
• Dental and vision coverage with strong preventive care
• Education assistance to support your professional growth

We go beyond the basics, investing in benefits that help you stay healthy, plan for the future, and maintain balance in your everyday life!

Position Summary

Bankers Insurance Group is seeking a knowledgeable and customer-focused Flood Claim Specialist to investigate, evaluate, negotiate, and resolve first-party flood insurance claims in accordance with National Flood Insurance Program (NFIP) guidelines, Standard Flood Insurance Policy (SFIP) provisions, company standards, and applicable regulatory requirements.

This position plays a critical role in helping policyholders recover following flood events by providing timely, accurate, and compassionate claims handling while ensuring compliance with FEMA regulations and Bankers' commitment to exceptional customer service.

The ideal candidate possesses strong technical claims expertise, excellent communication skills, sound investigative abilities, and the capacity to manage both routine and catastrophe-related claim volumes.

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Essential Duties and Responsibilities

Claim Investigation

· Receive, investigate, and manage assigned flood insurance claims from first notice of loss through final resolution.

· Review policy coverage and determine applicability under the Standard Flood Insurance Policy (SFIP).

· Verify that reported damages resulted from a covered flood event as defined by the National Flood Insurance Program.

· Evaluate cause of loss, scope of damages, and applicable coverage provisions.

· Coordinate inspections with independent field adjusters, engineers, contractors, consultants, and other experts as necessary.

· Review field reports, estimates, photographs, inventories, and supporting documentation.

Claim Evaluation

· Analyze repair estimates, replacement costs, depreciation, and Actual Cash Value (ACV) or Replacement Cost Value (RCV), where applicable.

· Evaluate building, contents, Increased Cost of Compliance (ICC), and other available coverages.

· Review Proofs of Loss and supporting documentation for completeness and compliance.

· Identify potential coverage issues, fraud indicators, or subrogation opportunities.

· Ensure all claim decisions comply with FEMA/NFIP requirements and Bankers Insurance guidelines.

Claim Resolution

· Negotiate settlements within assigned authority.

· Prepare detailed coverage letters, reservation of rights, payment recommendations, and denial letters when appropriate.

· Maintain accurate claim documentation and timely diary management.

· Meet or exceed established claim cycle time, quality, and customer service expectations.

· Coordinate payments and claim closing activities.

Customer Service

· Serve as the primary point of contact throughout the claim process.

· Clearly explain coverage, claim procedures, documentation requirements, and settlement decisions.

· Demonstrate empathy and professionalism while assisting policyholders recovering from catastrophic losses.

· Maintain regular communication with insureds, agents, public adjusters, attorneys, vendors, and internal stakeholders.

Catastrophe Response

· Support catastrophe operations during hurricanes, tropical storms, and major flood events.

· Manage increased claim volume while maintaining quality and compliance standards.

· Participate in catastrophe deployment, extended work hours, weekend schedules, or travel when business needs require.

· Assist with surge handling and operational support during declared disaster events.

Compliance

· Adhere to FEMA regulations, NFIP Claims Manual, Flood Adjuster Capacity Program standards, and company claims procedures.

· Maintain accurate electronic claim files that satisfy internal audit and regulatory requirements.

· Ensure compliance with state insurance regulations, fair claims practices, and company quality standards.

· Participate in internal audits, file reviews, and quality assurance initiatives.

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Required Qualifications

· Bachelor's degree preferred; equivalent insurance claims experience considered.

· Minimum 4-6 years of property claims handling experience.

· Minimum 3 years handling flood insurance claims preferred.

· Working knowledge of:

o National Flood Insurance Program (NFIP)

o Standard Flood Insurance Policy (SFIP)

o FEMA flood claims procedures

o Property damage estimating

· Experience handling catastrophe claims preferred.

· Ability to interpret insurance policies and coverage provisions.

· Strong analytical and investigative skills.

· Excellent written and verbal communication skills.

· Strong negotiation and conflict resolution abilities.

· Excellent organizational and time management skills.

· Ability to manage multiple priorities in a fast-paced environment.

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Preferred Qualifications

· FEMA/NFIP Flood Certification or eligibility to obtain certification.

· Flood Control Number (FCN) preferred.

· State Adjuster License (where required).

· Xactimate Level 2 certification or equivalent estimating proficiency.

· Experience with Guidewire, Origami, or other claims management systems.

· Previous experience with WYO flood insurance carriers.

· Associate in Claims (AIC), CPCU, or other industry designation.

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Technical Skills

· Xactimate

· XactAnalysis

· Microsoft Office Suite

· Claims management software

· Electronic document management

· Virtual inspection technologies

· Digital imaging platforms

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Core Competencies

· Customer Focus

· Accountability

· Technical Claims Expertise

· Critical Thinking

· Decision Making

· Negotiation

· Communication

· Collaboration

· Adaptability

· Integrity

· Regulatory Compliance

· Attention to Detail

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Physical Requirements

· Ability to work extended hours during catastrophe events.

· Ability to travel as business needs require.

· Ability to review photographs, estimates, engineering reports, and electronic claim documentation.

· Ability to sit for extended periods while working on a computer.

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Performance Expectations

The Flood Claim Specialist is expected to:

· Maintain high customer satisfaction scores.

· Meet established claim cycle time goals.

· Achieve quality assurance standards.

· Maintain regulatory compliance.

· Demonstrate sound claim judgment.

· Support catastrophe response initiatives.

· Contribute to continuous process improvement.

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Why Join Bankers Insurance Group

At Bankers Insurance Group, we believe exceptional claims service begins with exceptional people. As a Flood Claim Specialist, you'll play a vital role in helping policyholders recover after devastating flood events while working alongside experienced professionals committed to integrity, service excellence, and continuous innovation.

The preceding position description has been designed to indicate the general nature of the work performed, the level of knowledge and skills typically required, and the usual working conditions of this position. It is not designed to contain or be interpreted as a comprehensive, complete, or exclusive list of the duties of the position. Additional and different duties may be assigned from time to time. We are an E-Verify company.

Bankers Financial Corporation and its subsidiaries are Equal Opportunity Employers. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other status protected by law. We are committed to providing reasonable accommodations to qualified individuals with disabilities.

Employment with Bankers Financial Corporation and its subsidiaries is at-will, meaning that either the employee or the company may terminate the employment relationship at any time, with or without cause or notice. Employment may also be contingent upon the successful completion of a background check and/or drug screening, where applicable. Applicants must be authorized to work in the United States.