Senior Property Claims Adjuster, Complex – Large Loss Claims

Tokio Marine HCC

Senior Property Claims Adjuster managing complex, large loss first party claims. Tokio Marine HCC provides specialized insurance products for municipal entities across various states.

Posted 7/29/2026full-timeAlabama, Florida, Iowa, Louisiana, Massachusetts, Mississippi, Montana, North Carolina, Oklahoma, Pennsylvania, Texas, Utah, Wisconsin • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in analyzing complex property claims, utilizing Xactimate software for damage estimation, and effectively negotiating settlements. Strong communication and organizational skills are essential for maintaining high customer service standards and managing multiple tasks in a fast-paced environment.

Highest-signal resume keywords

Xactimate Software ProficiencyActive State Adjuster's LicenseInsurance Claims ExperienceNegotiation SkillsAnalytical Focus

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Claims AnalysisDamage EvaluationCoverage Position FormulationSettlement RecommendationFile Maintenance

Soft Skills

Excellent Communication SkillsInterpersonal SkillsProblem-SolvingTime ManagementSelf-Motivation

Tools & Technologies

Microsoft Office SuiteOutlookWordExcelPowerPoint

Certifications & Qualifications

Active State Adjuster's License

Industry Keywords

Insurance ClaimsProperty ClaimsIndependent AdjusterContractor EstimatesSettlement Negotiation

About the role

Key responsibilities & impact

Analyze coverage issues, conduct investigations, and evaluate damages and liability to determine validity of complex property claims
Formulate and issue coverage position letters, seeking appropriate authority from management
Communicate with insureds and agents and provide customer service to the high standards of the company
Investigate claims by conducting interviews, assigning an Independent Adjuster to complete an on-site scene investigation, and preparing written correspondence to insureds, agents, and claimants
Ability to analyze an estimate of structural damage written with Xactimate software
Review contractor estimates, independent adjuster reports, appraiser reports, and engineering reports to determine extent of damages
Recommend reserves and settlements that are in excess of the defined authority limit
Recommend and present proposed settlement terms for claims that are in excess of the defined authority limit
Negotiate claim settlements with insureds, contractors, and other parties in the claims process within defined authority limits
Maintain claim files and documents in accordance with company policy and procedures
Travel for meditations and other business/company meetings

Requirements

What you’ll need

Bachelor's degree or the equivalent combination of education and/or work experience
Minimum of five (5) years of relevant and progressive professional experience in insurance claims
Current Active State Adjuster's License(s)
Excellent written and verbal communication skills
Consistently presents oneself professionally in varied business settings
Advanced organizational and analytical focus with high attention to detail
Effective at managing time and resources to accomplish multiple tasks in a fast-paced, deadline-oriented environment
Problem-solving approach to business issues
Self-motivated and able to work independently
Strong interpersonal and negotiation skills
Proficiency in Microsoft Office Suite, specifically Outlook, Word, Excel, and PowerPoint

Benefits

Comp & perks

Competitive salary and comprehensive benefit package
Strong learning culture with ongoing development opportunities
Opportunities for growth and career advancement
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
An opportunity to do meaningful work and love what you do