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Outside Property Adjuster Job Description

The outside property adjuster is responsible for handling property claims requiring field investigations and/or inspections. They must establish rapport with our insureds and maintain relationships with our agents, underwriters, contractors, restoration vendors, and experts. They are expected to know their territory, including the geography; regulations and the law as pertains to property claims; state and local public safety and regulatory agencies and officials; the insurance and legal climate; and public adjusters.

Outside Property Adjuster Responsibilities/Essential Functions:

  • Investigate, evaluate, negotiate, and resolve homeowners and commercial property losses that require field handling due to severity, complexity or fraud issues.
  • Outside Property Adjuster Position requires extensive face-to-face interaction with insureds, agents, preferred contractors/vendors, public adjusters and experts.
  • Must have valid drivers license.
  • Handle business interruption (BI) features in conjunction with BI specialists.
  • Identifies possibly suspicious claims
  • Outside Property Adjuster may be responsible for all aspects of each claim, including informal hearings, arbitrations, and claims litigation and maintaining a high level of productivity, confidentiality and customer service.
  • Outside Property Adjuster Implement and coordinate the most effective management techniques to mitigate loss and expense payments.
  • Settlement and reserving authority levels are moderate
  • Required to have and maintain sufficient home-based internet connection.

Outside Property Adjuster Position Requirements

Essential Skills and Experience

  • Ability to write damage estimates to structures, evaluate the amount of loss to personal property and business interruption losses.
  • Communication, analytical, investigative and negotiation skills are essential.
  • Thinks critically and anticipates, recognizes, identifies and develops solutions to problems in a timely manner.
  • Outside Property Adjuster Ability to formulate sound expense, indemnity, and business judgment while supporting loss evaluations and presenting them effectively.
  • High school diploma/GED required. Bachelor’s degree with professional designations preferred.
  • Outside Property Adjuster Must have or secure and maintain appropriate states adjuster license(s) and continuing education credits.
  • Candidates should have 3-5+ years of estimating experience, as an adjuster or in restoration/contracting services
  • In depth knowledge of both commercial and residential structures.
  • Outside Property Adjuster Must be experienced in the use of computers including efficient keyboarding skills and working knowledge of Windows, Microsoft Word, Microsoft Outlook, Xactimate and Excel.
  • A company car is provided and a valid state driver’s license and clear MVR are necessary for employment.

Outside Property Adjuster Physical demands & work environment:

  • Ability to use a personal computer and other standard office equipment
  • Ability to travel as necessary
  • Ability to sit and/or stand for extended periods
  • Ability to operate a motor vehicle 4-5 hours per day and to get in and out of the vehicle numerous times during the day
  • Ability to load and unload equipment and supplies weighing up to 30 pounds from a motor vehicle as needed to perform field work
  • Ability to bend, walk, and climb for several consecutive hours while inspecting damaged buildings, often with utilities turned off or inoperable
  • Ability to use a ladder safely to get onto a roof

Career Insurance at Hanover Insurance wil get Benefits To Joining The Hanover Team:

  • Competitive Pay and Benefits
  • Retirement/401(k) Program
  • Beneficiary and Ability Assist Programs
  • Travel Assistance Program
  • Adoption Benefit
  • Wellness Programs
  • Matching Education Gifts Plan
  • Employee Development/Education Assistance and Professional/Industry Designation Programs
  • Generous “Time Off With Pay”

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