Property Claims Adjuster

Role Details

Job Title: Property Claims Adjuster

Location: Remote / Hybrid (dependent upon on proximity of office location)

Reports To: Katie Toman

Employment Type: Full-Time

Requisition Begin Date: 08/10/2026

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

Help us insure it

Tokio Marine HCC - Public Risk Groupa 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 Property Claims Adjuster to handle low-to mid-level commercial first-party property claims from assignment through resolution. Working under the supervision of the Claims Manager this role will investigate claims evaluate coverage and damages establish appropriate reserves and negotiate settlements within approved authority. The Property Claims Adjuster will also support the subrogation process for claims identified as having subrogation potential.

Key Responsibilities

• Adjust assigned claims to completion within approved authority.

• Review analyze and interpret commercial package insurance policies to determine coverage applicable to each claim.

• Investigate and evaluate claims using available evidence to determine coverage damages responsible parties subrogation potential and other relevant issues.

• Assign and oversee independent adjusters appraisers vendors and technical experts for on-site investigations and damage assessments as needed.

• Obtain review and evaluate repair estimates and other documentation related to the claim.

• Establish and maintain appropriate loss reserves based on the probable financial impact of each claim.

• Identify claims with subrogation potential and support the applicable 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 in accordance with company policies and procedures.

• Prepare clear and timely correspondence for insureds claimants witnesses and other stakeholders.

• Obtain approval before issuing coverage denials.

• Prepare loss reports for reinsurers and insurers in accordance with contractual requirements.

• 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 in a thorough cost-effective and timely manner.

• Comply with all corporate policies procedures business controls and safety requirements.

• Promptly report any breakdowns in business controls to management.

What You Bring

• Bachelors degree from an accredited four-year college or university.

• 3 - 5 years of relevant and progressively responsible experience in insurance claims.

• Current state adjusters 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.

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 conviction that is directly related to the job you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants including those with criminal histories in a manner consistent with the requirements of applicable federal state and local laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC 1033(e))(the VCCLEA) which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act the Los Angeles Fair Chance Initiative for Hiring Ordinance the Los Angeles County Fair Chance Ordinance the San Diego Fair Chance Ordinance and the San Francisco Fair Chance Ordinance.

About Us

Tokio Marine HCC is a global industry-leading specialty insurance group backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance we empower clients to pursue opportunities confidently through our Mind Over Risk philosophy. More than an insurance company we are an organization built on innovation unity and trust.

At our core we are Always Advancing driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow using curiosity and smart working to anticipate whats next. With a culture rooted in Reaching Out we foster genuine collaboration and support ensuring every individual has the opportunity to succeed and make a difference.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking unites us as a team and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age ancestry citizenship color family or medical care leave gender identity genetic information marital status medical condition national origin physical or mental disability protected veteran or military status race ethnicity religion sex (including pregnancy) sexual orientation or any other characteristic protected by applicable local laws regulations and ordinances.

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