Senior Claims Adjuster, Property and Casualty

Tokio Marine HCC

Senior Claims Adjuster responsible for managing complex claims across the United States. Apply expertise in coverage analysis and investigation for high-exposure property and casualty claims.

Posted 7/23/2026full-timeFlorida, Iowa, Louisiana, Texas • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in analyzing and resolving complex commercial property and casualty claims, including high-exposure losses and litigated matters. Proficient in coverage analysis, liability investigation, damage evaluation, and negotiation to achieve favorable settlement outcomes.

Highest-signal resume keywords

Commercial Property And Casualty Claims HandlingCoverage AnalysisLiability InvestigationSettlement NegotiationXactimate Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Damage EvaluationReserve SettingHigh-Exposure Property Loss ManagementComplex Liability Claims ManagementLitigated Claims Handling

Soft Skills

Analytical SkillsNegotiation SkillsCommunication SkillsDecision-Making Skills

Tools & Technologies

Xactimate

Certifications & Qualifications

CPCUAICARMSCLA

Industry Keywords

Commercial Package Policy CoveragesInland MarineCrime CoverageEquipment BreakdownGeneral LiabilityUmbrella/Excess Liability

About the role

Key responsibilities & impact

Analyze complex coverage issues, conduct detailed investigations, and evaluate damages and liability to determine the validity of moderate to highly complex commercial property and casualty claims
Handle high-exposure property losses, including large commercial building, business personal property, business interruption, inland marine, equipment breakdown, crime, and bond claims
Investigate and evaluate third-party casualty claims, including general liability, premises liability, product liability, contractual liability, and bodily injury/property damage claims
Formulate and issue formal coverage position letters and liability determinations based on policy language, facts, and applicable legal principles
Conduct comprehensive investigations, including interviews of insureds, claimants, witnesses, and other involved parties to determine coverage, liability, causation, and damages
Coordinate and manage field investigations, site inspections, scene examinations, and independent adjuster assignments as necessary
Identify, retain, and manage experts including engineers, building consultants, forensic accountants, cause-and-origin specialists, medical professionals, accident reconstructionists, and defense counsel to support claim resolution
Review and analyze repair estimates, contractor bids, engineering reports, medical records, litigation documents, and expert evaluations to determine the extent of damages, liability exposure, and appropriate claim disposition
Assess comparative negligence, liability defenses, subrogation opportunities, and risk-transfer provisions where applicable
Establish, monitor, and recommend appropriate reserves based on claim complexity, damages, liability exposure, and settlement potential
Develop and execute claim resolution strategies for large-loss and high-severity claims, including those with significant litigation potential
Collaborate with defense counsel and litigation management teams on litigated matters, monitoring case strategy, budgets, exposure assessments, and settlement opportunities
Prepare detailed large loss and management reports summarizing coverage positions, liability assessments, damage evaluations, reserve adequacy, and settlement recommendations
Present claim evaluations and settlement recommendations to management for claims exceeding assigned authority limits
Negotiate fair and timely settlements with insureds, claimants, attorneys, contractors, and other parties within delegated authority
Communicate effectively with insureds, agents, brokers, claimants, attorneys, and internal business partners to provide superior customer service and ensure transparency throughout the claims process
Manage a high-volume and complex caseload while maintaining proactive diary management and meeting all regulatory and company service standards
Maintain complete, accurate, and organized claim files in accordance with company policies, best practices, audit standards, and regulatory requirements
Identify trends, emerging risks, and exposure concerns and provide recommendations to management regarding claim handling strategies and risk mitigation opportunities

Requirements

What you’ll need

7+ years of commercial property and casualty claims handling experience
Demonstrated experience managing high-exposure property losses and complex liability claims
Strong knowledge of commercial package policy coverages, including property, inland marine, crime, equipment breakdown, general liability, and umbrella/excess liability coverage
Experience handling litigated claims and coordinating with defense counsel
Proficiency in coverage analysis, liability investigation, damage evaluation, reserve setting, and settlement negotiation
Working knowledge of Xactimate and commercial property estimating practices
Professional designations such as CPCU, AIC, ARM, SCLA, or equivalent are preferred
Excellent analytical, negotiation, communication, and decision-making skills.

Benefits

Comp & perks

Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
Basic life and disability insurance
401(k) plan with 6% company match
20 days of PTO and two floating holidays (prorated)
Approximately 11 paid holidays and volunteer time off
Paid parental leave
Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
Student loan matching program
Employee discount program