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Remote Insurance Claims Adjuster Jobs in Missouri

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Remote Insurance Claims Adjuster information

What does a remote insurance claims adjuster do?

A Remote Insurance Claims Adjuster evaluates insurance claims from policyholders to determine the extent of the insurance company's liability. Working from a remote location, they review documents, conduct interviews, gather evidence, and communicate with claimants via phone or email. Their main tasks include investigating the circumstances of a claim, assessing damages, negotiating settlements, and ensuring claims are processed efficiently and fairly. Remote adjusters use digital tools and software to manage their workload and maintain communication with clients and colleagues. This role requires strong analytical, communication, and organizational skills.

What are the key skills and qualifications needed to thrive as a remote insurance claims adjuster?

To thrive as a Remote Insurance Claims Adjuster, you need a solid understanding of insurance policies, analytical skills for evaluating claims, and typically a bachelor’s degree or relevant work experience. Familiarity with claims management software, industry regulations, and sometimes licensure or certifications such as AIC (Associate in Claims) are important. Strong communication, negotiation, and time management skills help you resolve claims efficiently and maintain customer satisfaction. These abilities are essential to ensure accurate, timely claim resolutions and to uphold the company’s standards while working independently from a remote environment.

What are some common challenges faced by remote insurance claims adjusters, and how can they be addressed?

Remote insurance claims adjusters often face challenges such as effectively communicating with claimants and colleagues without in-person interaction, managing a high volume of claims, and ensuring accurate documentation from a distance. To address these, successful adjusters leverage strong organizational skills, utilize digital collaboration tools, and maintain clear, proactive communication. Many companies provide robust digital platforms and regular virtual team meetings to support remote adjusters in overcoming these obstacles and staying connected with their teams.

What is the difference between Remote Insurance Claims Adjuster vs Remote Insurance Appraiser?

AspectRemote Insurance Claims AdjusterRemote Insurance Appraiser
Required CredentialsAdjuster license, insurance knowledgeAppraiser license, valuation expertise
Work EnvironmentInsurance companies, remote or fieldInsurance companies, remote or field
Industry UsageClaims processing, damage assessmentProperty valuation, damage estimation
Common Search IntentClaims handling, damage assessmentProperty valuation, damage estimation

The main difference between a Remote Insurance Claims Adjuster and a Remote Insurance Appraiser lies in their roles. Adjusters handle claims processing and damage assessment, often working remotely or in the field, while Appraisers focus on property valuation and damage estimation. Both roles require specific licenses and are integral to the insurance industry, but they serve different functions within the claims process.

How much do remote insurance claims adjusters make?

Remote insurance claims adjusters typically earn between $45,000 and $75,000 annually, with the average around $60,000. Compensation varies based on experience, location, and the complexity of claims handled, and many adjusters work independently or for insurance companies using claims management software.

Which claims adjuster makes the most money?

Senior claims adjusters, especially those with specialized expertise in complex or high-value claims such as commercial or catastrophe claims, tend to earn the highest salaries. Factors like experience, certifications, and working for large insurance companies also influence earning potential in this role.

What are the most commonly searched types of Insurance Claims Adjuster jobs in Missouri?

The most popular types of Insurance Claims Adjuster jobs in Missouri are:

What cities in Missouri are hiring for Remote Insurance Claims Adjuster jobs?

Cities in Missouri with the most Remote Insurance Claims Adjuster job openings:

Remote Insurance Claims Adjuster jobs near you
Infographic showing various Remote Insurance Claims Adjuster job openings in Missouri as of August 2026, with employment types broken down into 100% Full Time. Highlights an 33% Hybrid, and 67% Remote job distribution.

Claims Adjuster II

COLUMBIA INSURANCE GROUP

Columbia, MO • On-site, Remote

Other

Medical, Dental, Vision, Retirement, PTO

Re-posted 10 days ago

Job description

Pay Philosophy
The typical starting salary for this position is determined by a number of factors, including, but not limited to, acquired skills, experience, education, and certifications/designations. This position may be eligible for annual merit increases and participation in our bonus program.
What are we looking for?
Join our team as a Claims Adjuster II. In this position, you will be responsible for handling moderately complex commercial claims including property, auto, general liability, or workers' compensation that may involve legal representation.
Who we are and what we do?
At Columbia Insurance, we believe our people are the heart of our success and our greatest strength. With robust benefits, a fun, family like atmosphere, and a culture that thrives on real connections, Columbia truly is the place to be. Our vision is to lead the industry in people first partnerships. The best way to achieve that is by bringing together a team of skilled, passionate, and talented individuals.
Why us?
  • Medical, Dental, and Vision coverage
  • 401(k) and company match
  • Generous paid time off (PTO), paid company holidays, paid maternity/paternity leave, and supplemental sick leave
  • Family like culture
  • Year round wellness initiatives
  • Company sponsored events
  • Opportunities for professional development with conferences, events, and continued education

Company History
Our legacy has roots back to 1889 when we first became part of the mutual insurance movement in the Midwest. Today, our extensive heritage resonates nationwide, as we proudly serve customers in 14 states across the country.
BASIC FUNCTION AND RESPONSIBILITY
The Claims Adjuster II handles moderately complex commercial claims including property, auto, general liability, or workers' compensation that may involve legal representation. This role involves independent investigation, coverage interpretation, liability analysis, and damage evaluation in various state jurisdictions. You will work closely with internal and external partners to resolve claims promptly, fairly, and within authority limits, using modern claims technologies and best practices.
ESSENTIAL FUNCTIONS
  • Handle a diverse caseload of minor to moderate commercial claims (property, liability, auto, or workers' comp) through final resolution.
  • Promptly review new losses and determine initial plan of action.
  • Conduct in-depth coverage analysis involving manuscript policies, endorsements, and exclusions.
  • With guidance, prepare Reservation of Rights and Declination of Coverage letters, as applicable.
  • Investigate and determine liability by collecting statements, evidence, coordinating expert inspections, and reviewing contracts and statutes.
  • Demonstrated ability to evaluate comparative and contributory negligence, contractual liability, and damages.
  • Establish and adjust reserves as warranted to ensure accurate reserving commensurate with claim exposure.
  • Review all expense bills for appropriateness, accuracy and adherence to Company billing practices.
  • Perform detailed damage evaluations, including moderate property damage or bodily injury claims.
  • Negotiate settlements within authority.
  • Verify accuracy of any payments within individual authority and secure approval when appropriate.
  • Recognize, notify, and pursue other culpable parties and seek contribution as warranted.
  • Work closely with defense counsel when appropriate in pre-suit matters.
  • Provide detailed file documentation/notes consistent with departmental guidelines.
  • Maintain full compliance with jurisdictional requirements and documentation standards in multi-state environments.
  • Other duties as assigned.

REQUIRED QUALIFICATIONS
  • 3-5 years of experience handling commercial claims.
  • Strong technical understanding of commercial policies and coverage analysis, with experience handling some minor to moderate coverage matters.
  • Proficient in policy interpretation, exposure analysis, and jurisdictional claims practices across multiple states.
  • Excellent negotiation, analytical, and customer service skills.
  • Ability to communicate clearly and professionally.
  • Proven ability to manage challenging conversations with policyholders.
  • Strong organizational and time-management skills.
  • Technical knowledge of commercial insurance laws, regulations, and best practices.
  • Proven ability to manage competing priorities in a fast-paced environment.
  • Strong written and verbal communication skills, with the ability to present information clearly and persuasively.
  • Has sound critical thinking, and problem-solving capabilities.
  • Outstanding customer service, attention to detail, and multi-tasking skills.
  • Strong computer skills, including a strong knowledge of Microsoft applications (Outlook, Word, Excel)
  • Strong working knowledge of claims technology platforms.
  • Must have a valid adjuster license in designated home state (or willing to obtain one within 60 days after hire) with the ability to obtain additional non-residential adjuster licenses.
  • Ability to exercise independent judgment with limited to moderate supervision in handling claims within reserve and settlement authority.
  • Ability to travel, as necessary.

EDUCATION QUALIFICATIONS
  • Bachelor's Degree or equivalent experience

PREFERRED QUALIFICATIONS
  • Has secured or is currently working toward professional designations such as CPCU, AIC, SCLA, or similar.

EOE
Columbia Insurance prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.
If you are unable to complete the electronic application for any reason, please contact Meredith Craig: mcraig@columbiainsurance.com 573-777-4094

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