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Subrogation Jobs in Florida (NOW HIRING)

City of Tampa

Claims Adjuster

Tampa, FL · On-site

Nature Of Work An employee in this class is responsible for performing tasks of more than average difficulty involving the investigation and settlement of liability and subrogation claims involving ...

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Subrogation information

See Florida salary details

$35.9K

$51.2K

$62.8K

How much do subrogation jobs pay per year?

As of Aug 7, 2026, the average yearly pay for subrogation in Florida is $51,231.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,500.00 and $58,700.00 per year, depending on experience, location, and employer.

What does someone in subrogation do?

In a Subrogation role, your daily responsibilities often include reviewing insurance claims to identify opportunities for recovery, investigating facts to determine liability, and working closely with insured parties, third parties, and legal representatives. You'll negotiate settlements, prepare and submit necessary documentation, and track the progress of active recovery cases. Additionally, you'll collaborate with other claims adjusters, legal teams, and sometimes attend court hearings or arbitration as needed. This position demands a mix of investigative work, negotiation, and attention to detail to maximize recovery on paid claims.

What is subrogation?

A subrogation job involves recovering money from a third party who is responsible for causing financial loss, typically in insurance claims. Subrogation specialists investigate claims, analyze liability, and negotiate settlements to reimburse their company or clients. They work closely with adjusters, attorneys, and policyholders to ensure proper compensation. This role requires attention to detail, strong communication skills, and knowledge of insurance laws and policies.

How do you become a subrogation adjuster?

To become a subrogation adjuster, typically one needs a high school diploma or equivalent, along with experience in insurance claims or claims adjusting. Many employers prefer candidates with a state license or certification in claims adjusting or insurance, and strong analytical and negotiation skills are essential. Gaining knowledge of insurance policies and legal processes can also be beneficial.

What are the key skills and qualifications needed to thrive in subrogation?

To thrive in Subrogation, you need a background in insurance claims, legal principles, and investigative research, often supported by a degree in business, law, or a related field. Proficiency with claims management systems, insurance software, and knowledge of subrogation protocols or relevant certifications like CSRP (Certified Subrogation Recovery Professional) are highly beneficial. Excellent negotiation, analytical thinking, and effective communication skills distinguish top performers in this role. These skills ensure successful recovery of claim costs, collaboration with legal teams, and thorough documentation in a fast-paced environment.

What are the most commonly searched types of Subrogation jobs in Florida? The most popular types of Subrogation jobs in Florida are:
What are popular job titles related to Subrogation jobs in Florida? For Subrogation jobs in Florida, the most frequently searched job titles are:
What job categories do people searching Subrogation jobs in Florida look for? The top searched job categories for Subrogation jobs in Florida are:
What cities in Florida are hiring for Subrogation jobs? Cities in Florida with the most Subrogation job openings:
Subrogation jobs near you
Infographic showing various Subrogation job openings in Florida as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $51,231 per year, or $24.6 per hour.

Claims Analyst II/III (Residential Property)

Cabrillo Coastal General Insurance Agency LLC

Gainesville, FL • On-site

Full-time

Posted 23 days ago

Job description

Job Overview
Harbor Claims Analysts provide direct, prompt, courteous, and professional service to our policyholders, their agents, legal counsel, and/or other third-party representatives in the unfortunate event that the policyholders' residential property is damaged or lost due to a covered event. To that end, our Claims Analysts apply their technical know-how to review, investigate, evaluate and settle claims in a timely and equitable manner while also successfully and responsively handling claims inquiries and/or issues from policyholders, agents, claimants' third-party representatives, internal customers, carrier representatives, and others within set Company guidelines, service and time standards, and per defined regulatory requirements.
Job Responsibilities
In the spirit of our Company's mission, values, and culture, the duties listed below serve as illustrations of the various types of work that may be performed by our Claims Analyst II's and III's. We may also expect our Claims Analyst II's and III's to carry out other responsibilities that are similar, related, or a logical assignment to this job class.
  • Provides exceptional service to Harbor Claims external and internal customers; utilizes tact, diplomacy and professional communication skills to positively represent Harbor Claims in telephone and email contacts; per Company claims guidelines, Company quality and time standards and governmental regulations, appropriately and correctly responds via telephone and email interactions to a wide range of policyholders', agents' and third party representatives' claims, policy and other related inquiries and issues; as assigned, handles FNOL communication and/or communicates with and is highly responsive to customers on assigned pending claims files on an ongoing basis.

  • Within designated levels of authority and required time frames, successfully coordinates with field adjusters and provides professional and responsive assistance and follow-up inquiries on pending claims to independent and/or Harbor Claims field adjusters; develops and maintains effective working partnerships with independent and Company field adjusters to ensure prompt and appropriate claims' actions, including thorough review of field reports provided by field adjusters.

  • As required, requests, obtains, reviews, and evaluates outside experts' (including engineers, construction contractors, other subject matter experts, and attorneys) opinions and/or information; confers with these experts to gain technical expertise and insight to produce prompt and fair determinations in the resolution of claims.

  • Within designated authority levels, required time frames and adeptly utilizing assigned tools, appropriately investigates claims; analyzes claims information to determine appropriate settlement, as applicable; as necessary, interviews and records statements of claimants and witnesses to gather pertinent information; communicates with claimants regarding settlement and effectively negotiates, when necessary; settles claim and closes files; as per Company and Carrier quality and time standards and pertinent regulatory requirements, issues accurate loss and/or adjusting payments; when outside scope of authority, clearly communicates pertinent information regarding files and works with management and team to ensure prompt resolution of claims.

  • Maintains exceptionally thorough, accurate claims files in compliance with governmental regulations and Company standards; efficiently and effectively utilizes multiple Carrier and Harbor Claims Information Systems/Programs to accurately maintain Claims files and file diaries.

  • Reviews assigned files for subrogation potential; as warranted, identifies potential subrogation opportunities; clearly communicates findings to subrogation specialist and provides follow-up assistance and support, as necessary.

  • Actively contributes as a member of the Harbor Claims Team by providing assistance and support to assigned claims, underwriting, customer support, product, sales and/or other team members; as requested, researches policy, coverage, and eligibility provisions on a variety of situations and provides results to appropriate internal and/or external contacts.

  • Depending on progressive series level, spearheads, participates in and/or assists with "special" Company projects, as directed.

Requirements
Skills and Expertise
Qualities: Accountability; Quality- Oriented; Detail-Oriented; Self-Starter; Team Player; Multi-Tasker; Adaptability; Flexibility; Integrity; Strong Work Ethic; Positive "Can Do" Attitude; Collaborator; Financially-Oriented; Service-Oriented; Coachable; Dependable.
Strong skill sets in the following areas: Ability to effectively read people and situations; active listening; asking productive questions/ability to apply learned Information to related or similar situations; conceptual orientation; diffusing and appropriately managing escalated customer conversations/ communications/ situations; effective decision-making; effective utilization of advanced investigation techniques; effective utilization of alternative dispute resolution measures; information and financial review and analyses; interpersonal communication; negotiation; organization; problem analyses/solving; productivity; time management / working under tight deadlines /thrive in a fast-paced work environment; verbal communication; written communication.
Strong knowledge of: Thorough understanding of personal lines products, including residential homeowners and personal umbrella products; understanding Of property-related (1st party) principles, practices, processes and terminology; business writing; grammar; and punctuation rules; desktop computer operations; standard business software and web-based engine operations (e.g., Microsoft Word, Microsoft Excel, Microsoft Outlook, and Internet Explorer); technical research resources, including but not limited to PLRB ISO and claims search; telephone and email business etiquette rules; Xactimate.
Licenses, Education and/or Experience
For internal candidates applying to a Claims Analyst II position: Four or more years of residential property (1st party) experience or equivalent. Must hold a current 6-20 Claims Adjuster or equivalent (for other applicable states) license, as required by job opening.
For internal candidates applying to a Claims Analyst III position: Eight or more years of residential property (1st party) experience or equivalent. Must hold a current 6-20 Claims Adjuster or equivalent (for other applicable states) license, as required by job opening.

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