Property Claims Adjuster

Tokio Marine HCC

Property Claims Adjuster handling commercial first-party property claims for Tokio Marine HCC, a specialty insurance group. Investigating coverage, damages, reserves, settlements, and subrogation.

Posted 8/10/2026full-timeTroy • Mississippi, Missouri, New Hampshire, North Carolina, Wisconsin • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in insurance claims management, including the ability to analyze commercial package policies, oversee investigations, and maintain accurate documentation. Proficient in managing subrogation processes and ensuring compliance with industry standards and corporate policies.

Highest-signal resume keywords

Insurance Claims ManagementCommercial Package Policy InterpretationCurrent State Adjuster’s LicenseAnalytical and Investigative SkillsMicrosoft Office Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims AdjustmentCoverage AnalysisDamage AssessmentLoss Reserve EstablishmentSubrogation IdentificationRepair Estimate EvaluationLoss ReportingPolicy ComplianceClaims DocumentationMediation Attendance

Soft Skills

Excellent Communication SkillsStrong Interpersonal SkillsNegotiation SkillsProblem-Solving SkillsAttention to Detail

Certifications & Qualifications

Bachelor’s DegreeCurrent State Adjuster’s License

Industry Keywords

Insurance Industry DevelopmentsClaims PracticesCommercial Property ClaimsFirst-Party ClaimsBusiness Controls

About the role

Key responsibilities & impact

Adjust assigned claims to completion within approved authority
Review, analyze, and interpret commercial package insurance policies to determine applicable coverage
Investigate and evaluate claims to determine coverage, damages, responsible parties, subrogation potential, and other relevant issues
Assign and oversee independent adjusters, appraisers, vendors, and technical experts for investigations and damage assessments
Obtain, review, and evaluate repair estimates and claim documentation
Establish and maintain appropriate loss reserves
Identify claims with subrogation potential and support the subrogation process
Determine when expert assistance is appropriate and obtain approval before engaging experts
Attend mediations for appropriate claim files
Maintain accurate claim files, documentation, activity notes, and diaries
Prepare correspondence for insureds, claimants, witnesses, and other stakeholders
Obtain approval before issuing coverage denials
Prepare loss reports for reinsurers and insurers
Remain current on insurance industry developments, claims practices, and relevant trends
Provide guidance and support to less experienced adjusters
Identify opportunities to improve business practices and perform work thoroughly, cost-effectively, and timely
Comply with corporate policies, procedures, business controls, and safety requirements
Report breakdowns in business controls to management

Requirements

What you’ll need

Bachelor’s degree from an accredited four-year college or university
3–5 years of relevant and progressively responsible experience in insurance claims
Current state adjuster’s license
Experience in handling commercial property or first-party claims preferred
Experience interpreting commercial package policies preferred
Excellent written and verbal communication skills
Strong analytical, organizational, and investigative abilities
High attention to detail and accuracy
Strong interpersonal, negotiation, and problem-solving skills
Ability to manage multiple assignments, deadlines, and competing priorities in a fast-paced environment
Ability to work independently while exercising sound judgment and escalating issues appropriately
Professional presence when interacting with insureds, claimants, vendors, experts, attorneys, and business partners
Ability to follow established work plans, timelines, procedures, and performance expectations
Proficiency in Microsoft Office, including Outlook, Word, Excel, and PowerPoint
Commitment to cost-effective claims handling and compliance with company policies and procedures

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