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Outside Property Claims Adjuster Jobs (NOW HIRING)

USAA

Inside Senior Property Claims Adjuster

Tampa, FL · On-site +1

The Opportunity As a Senior Property Adjuster, you will work within defined guidelines and ... Develop recommendations and collaborate with management for determining settlement amounts outside ...

USAA

Inside Senior Property Claims Adjuster

Tampa, FL · On-site +1

The Opportunity As a Senior Property Adjuster, you will work within defined guidelines and ... Develop recommendations and collaborate with management for determining settlement amounts outside ...

USAA

Inside Senior Property Claims Adjuster

Tampa, FL · On-site +1

The Opportunity As a Senior Property Adjuster, you will work within defined guidelines and ... Develop recommendations and collaborate with management for determining settlement amounts outside ...

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Outside Property Claims Adjuster information

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$23.5K

$71.3K

$97.5K

How much do outside property claims adjuster jobs pay per year?

As of Sep 2, 2026, the average yearly pay for outside property claims 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 is an outside property claims adjuster?

Outside Property Claims Adjusters are insurance professionals who investigate and evaluate property damage claims outside the office, typically by visiting the location of the loss. They assess the extent of damage, determine the cause, and estimate repair or replacement costs. Their role also involves interviewing claimants and witnesses, collecting documentation, and negotiating settlements with policyholders. These adjusters play a crucial role in ensuring that insurance claims are handled fairly and efficiently. Outside adjusters often travel frequently and must be knowledgeable about construction, insurance policies, and local regulations.

What skills and qualifications are needed to be an outside property claims adjuster?

To thrive as an Outside Property Claims Adjuster, you need a solid understanding of insurance policies, property damage assessment, and claims investigation, typically supported by a relevant degree or industry certifications. Familiarity with claims management software, digital estimating tools, and mobile inspection technology is highly valuable. Strong communication, negotiation, and problem-solving skills help you interact effectively with policyholders and resolve claims efficiently. These skills ensure accurate claim evaluations, customer satisfaction, and compliance with company and legal standards.

What challenges do outside property claims adjusters face in the field?

Outside Property Claims Adjusters often encounter challenges such as managing a high volume of claims, navigating varying weather conditions, and dealing with distressed policyholders after property loss. The role requires strong organizational skills to coordinate site visits, accurately assess damages, and document findings thoroughly. Additionally, adjusters must effectively communicate with contractors, legal representatives, and insurance company staff to ensure smooth claims resolution. Adapting to rapidly changing circumstances and maintaining empathy with clients are key to success in this dynamic environment.

What is the difference between Outside Property Claims Adjuster vs Inside Property Claims Adjuster?

AspectOutside Property Claims AdjusterInside Property Claims Adjuster
Work EnvironmentField-based, visiting claim sitesOffice or remote, handling claims remotely
Required CredentialsAdjuster license, sometimes certifications like CAT or XactimateAdjuster license, similar certifications
Employer & Industry UsageInsurance companies, independent adjusting firmsInsurance companies, claims departments
Common Search & ComparisonYesYes

The main difference between Outside Property Claims Adjuster and Inside Property Claims Adjuster lies in their work environment. Outside Adjusters visit claim sites in the field, while Inside Adjusters handle claims remotely from an office. Both roles typically require similar credentials and are used within insurance companies and adjusting firms. Understanding these differences helps job seekers find the right fit based on their preferred work setting and credentials.

How to become an outside property claims adjuster with no experience?

To become an outside property claims adjuster with no experience, you should obtain a relevant insurance license, such as a property and casualty license, which is often required by employers. Gaining knowledge of insurance policies, claims processes, and property assessment through online courses or training programs can also help, along with developing strong communication and investigative skills. Entry-level positions may be available, and some employers provide on-the-job training for new adjusters.

What type of outside property claims adjuster makes the most money?

Commercial property claims adjusters typically earn higher salaries than residential adjusters due to the larger claim sizes and more complex cases they handle. Specializations such as catastrophe or large-loss adjusters also tend to be more lucrative, especially when working in high-demand regions or with advanced certifications like the Chartered Property Casualty Underwriter (CPCU).
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Outside Property Claims Adjuster jobs near you

Property Claims Adjuster

Bear River Mutual Insurance Company

Murray, UT • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 16 days ago

Job description

Description:

Why Bear River Mutual?

Bear River Mutual isn’t just a place to work — it’s a place where you can grow your career. With over 100 years of service, we’re proud of our legacy and continue to set high standards for service in the insurance industry. Our employees are the heart of our success, and we’re committed to creating a positive and supportive environment for our team.

  • Recognized as one of Utah's Best Companies to Work for by Utah Business Magazine.
  • A company that values work-life balance.
  • Opportunities for career growth and development — we love to promote from within!

Benefits
Bear River Mutual offers a wide range of employee benefits:

  • 120 hours of PTO for first-year employees
  • Profit sharing up to 8% (pro-rated dependent on start date)
  • Pension plan after five years of employment
  • Medical, Dental and Vision plans
  • Employer HSA contribution
  • Company 401(k) match up to 4%
  • Tuition reimbursement for job-related education
  • Paid Life Insurance
  • Eleven Paid Holidays
  • One Personal Day

Job description:


Responsible for the investigation, negotiation and resolution of Property Loss claims. This includes review of written estimate of repairs or replacement using computerized estimating software.


Responsible for documenting and organizing claim records to support payment. Must investigate and apply the appropriate policy coverage and legal analysis for payment of claims as well as third party liability. Projects the Company’s professional image.


As an exempt employee, this position is paid to get the job done, which may mean additional hours will need to be worked, depending on the circumstances.


The employee customarily and regularly exercises independent judgment and discretion.


Essential Job Functions and basic duties:


  • Maintains high standards for customer service relations. This includes prompt contact and follow up to resolve claim issues as well as actively pursuing claim investigation to reach an expedient resolution.
  • Conducts a thorough investigation of coverage, liability and damages. Must maintain supporting evidence for payment or denial.
  • Audits mitigation and repair estimates with documentation of damages from the desk. This may include reviewing photos, inventories, scope of damage, diagrams, etc.
  • Coordinates repairs or replacement of damaged property, temporary housing, emergency restoration and contents replacement.
  • Negotiates claim to a fair resolution.
  • Responsible for conducting risk analysis for home safety standards.
  • Prepares cost estimator to establish insurance to value.
  • Maintains an adequate claim reserve for anticipated loss and claim expense payments.
  • Responsible for managing costs in association with all aspects of recovery (subro, salvage and reinsurance) as well as loss adjustment expenses.
  • Understanding of and compliance with Utah Unfair Claim Practices Act.
  • Manages claims involving Public Adjusters.
  • Manages claims involving attorney repped clients and litigation.
  • Manages claims of high complexity, involving high authority and loss costs.

Other Job Functions:

Occasional onsite damage assessment or accident scene investigations, including measurements, photographs and witness contact.

Other duties as assigned.


Qualifications:

Education/Certification: College degree or equivalent training.

Required Knowledge: Working knowledge of property damage estimating.
Knowledge of computer related applications.
Working knowledge of Home construction.

Understanding of Insurance policy contracts and coverage.
Understanding of the Utah Unfair Claim Practices Act.


Skills/Abilities:

Excellent communication and public relations skills.
Well organized and attentive to detail.

Excellent negotiation skills.
Good computer skills.
Ability to problem solve and resolve conflict amicably.
Clean driving record.

Job Type: Full-time

Requirements: