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Independent Property Adjuster Jobs (NOW HIRING)

Capstone ISG

Field Property Adjuster

Providence, RI · On-site

Independent work environment * Meaningful work helping customers during challenging situations If you are a motivated adjuster looking to join a growing company that values professionalism ...

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How much do independent property adjuster jobs pay per year?

As of Aug 15, 2026, the average yearly pay for independent property adjuster in the United States is $71,265.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $86,500.00 per year, depending on experience, location, and employer.

What are some common challenges faced by independent property adjusters when handling multiple claims simultaneously?

Independent Property Adjusters often juggle several claims at once, which can be challenging due to varying deadlines, complexity of cases, and the need to travel between inspection sites. Effective time management and strong organizational skills are essential to prioritize tasks, communicate promptly with clients and insurers, and keep thorough documentation for each claim. Adjusters also need to adapt quickly to changing circumstances, such as sudden weather events that can lead to a surge in claims volume.

Is being an independent property adjuster worth it?

Independent property adjusters evaluate insurance claims, often working on a contract basis and handling claims remotely or in the field. The role offers flexibility and the potential for high earnings, but it requires strong communication skills, industry knowledge, and the ability to manage variable workloads and schedules.

What is an independent property adjuster?

An Independent Property Adjuster is a professional who investigates and evaluates insurance claims on behalf of insurance companies, but works as an independent contractor rather than as a direct employee of a single insurer. They assess property damage, determine the extent of the insurer's liability, and help resolve claims by negotiating settlements between the insurance company and the policyholder. Independent adjusters may work on a variety of claims, from residential and commercial property damage to catastrophe claims following natural disasters. Their flexibility allows them to work for multiple insurance companies, often traveling to areas where their expertise is needed most.

What are the key skills and qualifications needed to thrive as an independent property adjuster?

To thrive as an Independent Property Adjuster, you need in-depth knowledge of property insurance policies, strong investigative skills, and typically a state adjuster license. Familiarity with claims management software, digital estimating tools like Xactimate, and industry certifications such as those from the National Association of Independent Insurance Adjusters are highly valued. Excellent communication, negotiation, and time management skills help adjusters build trust with clients and efficiently manage multiple claims. These abilities are crucial for accurate claim resolution, client satisfaction, and maintaining compliance within a competitive field.

Is it hard to become an independent property adjuster?

Becoming an independent property adjuster typically requires relevant experience in insurance claims, knowledge of construction and repair estimates, and often a state license or certification. The process involves completing training, passing exams, and building a network of clients, which can take several months to years depending on individual circumstances.
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Independent Property Adjuster jobs near you
Infographic showing various Independent Property Adjuster job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 17% Part Time, and 8% Contract. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $71,265 per year, or $34.3 per hour.

Field Property Adjuster

Capstone ISG

Providence, RI • On-site

Full-time, Contractor

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 2 days ago

Job description

Capstone ISG is one of the nation's fastest-growing independent adjusting firms, built on a culture of professionalism, integrity, and teamwork. We are passionate about delivering exceptional service to our clients while creating a rewarding and supportive environment for our employees. As we continue to grow, we are looking for motivated professionals who thrive in a fast-paced environment and are driven to make an impact.
We are currently seeking an experienced Field Property Adjuster to investigate and adjust residential and commercial property claims. This role is ideal for a detail-oriented, customer-focused professional who enjoys working independently, solving problems, and helping policyholders through the claims process.
3+ Years Field Experience Preferred
Why Join Capstone ISG?
  • Opportunity to grow with a rapidly expanding company
  • Supportive and team-oriented culture
  • Competitive compensation opportunities
  • Independent work environment
  • Meaningful work helping customers during challenging situations

If you are a motivated adjuster looking to join a growing company that values professionalism, initiative, and customer service, we encourage you to apply.
Benefits Include:
  • Competitive salary with annual raises
  • Quarterly performance bonuses
  • Profit Sharing
  • Medical, Dental, Vision
  • 401 (k)
  • Short and Long Term Disability
  • Life Insurance
  • Sick, Vacation and Holiday Pay
  • Fitness Membership Reimbursement
  • Company paid training

Primary Responsibilities:
  • Conducts field investigations to resolve residential and commercial property claims.
  • Examines and applies claims forms, policies and endorsements, client instructions and other records to determine coverage and client exposure.
  • Adjusts all elements of Property Loss claims of varying levels of severity and complexity.
  • Sets loss reserves.
  • Prepares written reports by collecting and summarizing information required by client.
  • Prepares settlement letters, denial letters, Reservations of Rights and other letters as needed.
  • Maintains expected case load.
  • Maintains company reputation and integrity of work product by complying with federal and state regulations and service standards.
  • Maintains professional and technical knowledge through continuing education.
  • May assist less-experienced adjusters with claims handling when requested
  • Participates in special projects or performs duties in other areas if requested.
  • Documents damage and prepares written estimates using Xactimate software.
  • Handles content inventories to include moderate to complex pricing analysis and prepares claim inventory reports.
  • Conducts subrogation investigations.
  • Engages and manages consultants/independent contractors to assist in determining facts, causation, damage and exposure.
  • Keeps the client and the insured informed about the claim status with clear, timely and accurate written/oral communication.
  • Negotiates settlement of claims of varying complexity under the direction of the Claims Manager or Supervisor.
  • Travels to loss locations in assigned territory
  • Records time and expense charges to bill clients.
  • Maintains adjuster license(s) when required.

Requirements
  • Requires a high school diploma; advanced education beyond high school preferred or an equivalent combination of education and experience.
  • Previous experience as a claims adjuster or must complete Capstone specified adjuster training if no experience.
  • If previous adjuster experience, working knowledge of Xactimate is preferred.
  • Must be licensed, or have the ability to obtain license(s), as required by state and local jurisdictions to adjust insurance claims.
  • Must have valid driver's license.

Skills and Competencies:
  • Ability to work in a high volume, fast paced environment managing multiple tasks.
  • Ability to provide excellent service to policyholders and clients.
  • Ability to efficiently operate a computer and related claims and business software.
  • Effective analytical and problem-solving skills necessary to make decisions and resolve conflict
  • Good verbal and written communication skills.
  • Good attention to detail.
  • Strong analytical and mathematical ability.
  • Ability to work independently in a virtual environment when required.
  • Good organizational and time management skills.

Physical Demand Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this position, auto travel is required.
Ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a vehicle. Ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics. Ability to work in a confined or restricted area. Kneeling, crouching, crawling, standing, sitting, walking, pushing, pulling, etc. as is required to inspect claims. Ability to work outdoors, exposed to all weather conditions.

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