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Property Claim Adjuster

Join a collaborative, service-focused team where attention to detail, professionalism, and customer care are valued. At Stillwater Insurance Group, you will play a critical role in supporting our Claims Department by ensuring accurate and timely claim intake while delivering exceptional service to policyholders and internal partners.

Why Stillwater?

Stillwater Insurance Group is a mid-sized national insurance provider offering home, auto, and commercial insurance products across all 50 states. Headquartered in Jacksonville, Florida, with offices in New York and Omaha, we are known for our supportive culture, strong values, and people-first approach.

Our employees consistently describe Stillwater as a place with great people, accessible leadership, and a genuine commitment to integrity. We emphasize teamwork, professional development, and internal growth within a positive, high-performing environment.

Role Overview

The Property Claim Adjuster is responsible for investigating, evaluating, negotiating, and resolving homeowner, dwelling, condominium, renters, and commercial property claims across our 50-state market. This is an in-office, desk-based role located in Jacksonville, FL. The position requires strong technical adjusting expertise, analytical capability, and the ability to manage complex coverage and damage determinations while delivering exceptional customer service.

Key Responsibilities

• Investigate and analyze property claims to determine coverage, liability, and damages
• Interpret and apply policy language accurately while protecting company rights
• Prepare professional correspondence including reservation of rights, non-waiver agreements, disclaimers, and coverage determination letters
• Communicate clearly and promptly with insureds, agents, contractors, public adjusters, attorneys, and internal stakeholders
• Utilize remote inspection tools and independent adjusters as appropriate
• Establish and maintain accurate claim documentation, file notes, and reserves
• Identify and pursue subrogation and salvage recovery opportunities
• Manage disputed claims including AOBs, CRNs, NOIs, and complex scope or pricing disputes
• Prepare detailed claim summaries and reports for management and regulatory purposes
• Create and audit property damage estimates using Xactimate; continuously refine estimating proficiency
• Ensure compliance with applicable state insurance laws, regulatory requirements, and internal claims handling standards
• Provide professional, solutions-focused customer service while effectively managing conflict

Minimum Qualifications

• 5+ years of property claim experience as an adjuster with an insurance carrier
• Bachelor’s degree (BA/BS/BBA) or equivalent combination of education and relevant experience
• Strong knowledge of property and casualty insurance policies and claims handling principles
• Demonstrated experience investigating and adjusting residential and/or commercial property claims
• Demonstrated experience using Xactimate to write, review, and edit property damage estimates.
• Strong analytical, investigative, and problem-solving skills
• Solid written and verbal communication skills
• Proficiency in Microsoft Office applications, including Excel
• Ability to manage multiple claims and competing priorities in a fast-paced environment
• Commitment to ethical standards, accuracy, and regulatory compliance
• Ability to maintain required adjuster licenses and continuing education

Preferred Qualifications

• Experience handling multi-state property claims
• Familiarity with Unfair/Fair Claims Practices and applicable insurance codes
• Experience managing litigated or complex property claims

Skills & Competencies

• Technical property damage assessment expertise
• Strong negotiation and conflict resolution skills
• High level of organization and file management discipline
• Sound judgment and coverage interpretation skills
• Collaborative team mindset
• Customer-focused approach balanced with risk management awareness

What You Can Expect

• A supportive, team-oriented culture
• Opportunities for cross-training and professional growth
• Recognition for accuracy, efficiency, and service excellence
• A workplace built on trust, integrity, and respect

Apply today to begin your career with Stillwater Insurance Group. Employment offers are contingent upon successful completion of a background investigation and pre-employment drug screening. Stillwater Insurance Group is a drug-free workplace and an equal opportunity employer.