Property Claims Adjuster II

EMC Insurance Companies

Property Claims Adjuster at EMC investigating and evaluating medium-sized commercial property claims. Collaborating with experts and managing the claims process remotely from anywhere in the United States.

Posted 4/24/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $66,294 - $91,570 per yearWebsite

About the role

Key responsibilities & impact

Investigates and evaluates medium-sized and moderately complex commercial property and reinsured cyber claims
Conducts field inspections as needed and coordinates internal and external experts to manage mitigation, temporary restoration, business continuity, evidence preservation, and cause-and-origin analysis
Initiates timely contact with insureds, claimants, and other parties to explain the claims process and meet legal notice requirements
Obtains statements from insureds, claimants, witnesses, and other relevant parties and secures all required claim forms and documentation
Reviews estimates, invoices, receipts, and financial records to assess property damage and business income loss
Documents claim activity, summaries, and reserve analyses in the claim system and establishes timely, accurate reserves in accordance with company methodology
Escalates claims exceeding authority to the Claims Supervisor for review or reassignment
Resolves issues related to coverage, causation, valuation, and repair methodology and communicates claim status with insureds, claimants, agents, and attorneys
Prepares and reviews repair estimates using research and estimating software, addressing discrepancies as identified
Negotiates and settles claims within assigned authority and recommends settlements to management when outside authority
Drafts and issues reservation of rights and denial letters with approval and prepares settlement documents, statements of loss, proof of loss, and timely payments in compliance with requirements
Identifies and pursues recovery opportunities, including subrogation and legally compliant evidence preservation
Identifies potential fraud and refers claims to the Special Investigations Unit (SIU) when appropriate
Supports mediations, appraisals, arbitrations, and litigation preparation as needed
Prepares risk reports and participates in coverage, account, and inspection reviews with Underwriting and Risk Improvement
Audits estimates prepared by independent adjusters and contractors to ensure accuracy and cost-effective repairs
Handles referred claims from other departments, supports team members, participates in claims roundtables, and contributes to projects as needed

Requirements

What you’ll need

Bachelor’s degree or equivalent relevant experience
Three years of property claims adjusting experience or related experience
Relevant insurance designations preferred
Strong knowledge of the theory and practice of the claim function
Strong knowledge of commercial property insurance contracts and procedural laws
Ability to obtain all applicable state licenses
Strong knowledge of computers and claims systems
Strong written and verbal communication skills
Excellent customer service skills
Solid investigative and problem-solving abilities
Strong organizational abilities and empathetic interpersonal skills
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

Health insurance
401(k) matching
Paid time off
Full day of volunteer time off annually
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 adjustinginvestigative skillsproblem-solvingclaims documentationnegotiationsubrogationevidence preservationrisk assessmentfinancial analysisrepair estimation

Soft Skills

written communicationverbal communicationcustomer serviceorganizational skillsinterpersonal skillsconfidentialityempathyteam collaborationtime managementadaptability

Certifications

Bachelor’s degreeinsurance designationsstate licenses