Senior Property Claims Adjuster

EMC Insurance Companies

Senior Property Claims Adjuster managing complex commercial property and reinsured cyber claims for EMC. Investigating, negotiating, and resolving claims while mentoring junior adjusters.

Posted 4/24/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $78,726 - $119,646 per yearWebsite

About the role

Key responsibilities & impact

Independently investigates, evaluates, negotiates, and resolves large and moderately complex to complex commercial property and reinsured cyber claims, including litigated matters, within assigned authority
Analyzes coverage, cause of loss, scope, valuation, and business income exposure; establishes timely and adequate reserves
Conducts field inspections and oversees re-inspections, including participation in catastrophe operations
Coordinates and manages experts and vendors (e.g., engineers, remediation firms, contractors, origin and cause specialists) to address urgent claim needs and preserve evidence
Communicates claim status, coverage positions, and resolution strategies with insureds, agents, attorneys, and internal partners
Develops negotiation strategies, evaluates settlement ranges, and negotiates claim settlements in accordance with company guidelines
Drafts and issues reservation of rights, denial letters, settlements, proofs of loss, and payments with accuracy and compliance
Manages litigated claims, recommends defense counsel, and collaborates with attorneys through mediation, appraisal, arbitration, or trial
Identifies recovery, subrogation, and potential fraud opportunities; partners with SIU as appropriate
Reviews and audits estimates and invoices for accuracy, reasonableness, and cost-effective repair solutions
Collaborates with Underwriting, Risk Improvement, and other specialty units to support risk evaluation and account management
Serves as a technical resource and mentor to less experienced adjusters and participates in cross-functional initiatives

Requirements

What you’ll need

Bachelor’s degree or equivalent relevant experience
Five years of property claims adjusting experience or related experience
Relevant insurance designations preferred
Excellent knowledge of the theory and practice of the claim function
Strong knowledge of insurance contracts, medical terminology and substantive and procedural laws
Strong knowledge of computers and claims systems
Ability to obtain all applicable state licenses
Excellent organizational and empathetic interpersonal skills
Strong written and verbal communication skills
Excellent customer service skills
Excellent investigative and problem-solving abilities
Ability to maintain confidentiality
Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving

Benefits

Comp & perks

Outstanding benefits with life, medical, dental, vision and prescription drug coverage
Competitive paid time off plan and a full day of volunteer time off annually
Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
Professional development and growth opportunities, including tuition reimbursement
Wellness initiatives to improve team member well-being and reduce health insurance costs
Flexibility to dress for your day and opportunities for alternative work arrangements

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

property claims adjustingnegotiation strategiescoverage analysisvaluationbusiness income exposurelitigated claims managementsubrogationfraud investigationclaims systems knowledgeinsurance contracts knowledge

Soft Skills

organizational skillsinterpersonal skillswritten communicationverbal communicationcustomer serviceinvestigative skillsproblem-solving abilitiesempathyconfidentiality maintenancementoring

Certifications

Bachelor's degreeinsurance designationsstate licenses