Senior Property Claims Adjuster (Complex, Large Loss Claims)

Role Details

Job Title: Senior Property Claims Adjuster (Complex, Large Loss)

Location: Remote (FL, IN, IA, LA, MS, NC, OK, PA, TX, WI)/ Hybrid (in Troy, MI)

Employment Type: Full-Time

Requisition Begin Date: 07/28/2026

Requisition End Date 10/28/2026 (Posting may close earlier if filled or business needs change.)

Help us insure it

Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.

Role Overview

We are seeking a Senior Property Claims Adjuster to manage complex, multi-line first party claims with a high degree of autonomy and technical expertise. In this role, you will handle claims from initial investigation through resolution, applying advanced coverage knowledge and strong analytical judgment to deliver fair, timely outcomes while providing exceptional service to our insureds and partners.

Key Responsibilities

• 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.

What You Bring

• 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.

What We Offer

• 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

Disclaimer

You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a con