Property Claims Adjuster II

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. This position is eligible to work from home anywhere in the United States; ideal candidate will reside in the Western region Essential Functions: Investigates and evaluates medium-sized and moderately complex commercial property and reinsured cyber claims, reviewing claim notices, policies, contracts, statutes, lawsuits, and reports to confirm coverage, deductibles, and payees. Conducts field inspections as needed and coordinates internal and external experts (e.g., engineers, contractors, remediation vendors) 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 (profit and loss statements, tax forms, payroll, forecasts) 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. Submits referrals to Estimatics, SIU, Bond, Subrogation, Legal, Underwriting, and Risk Improvement as appropriate. 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. Education & Experience: Bachelor’s degree or equivalent relevant experience Three years of property claims adjusting experience or related experience Relevant insurance designations preferred Knowledge, Skills & Abilities: 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 The hiring salary range for this position will vary based on geographic location, falling within either of the following: $66,294 - $91,570 or $73,245 - $100,731A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers. Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles. Apply To This Job