Senior Property Claims Adjuster (Complex, Large Loss Claims)
About this role
Role Details
Job Title: Senior Property Claims Adjuster (Complex, Large Loss)
Location: Remote (MA, GA, MS, UT, AL, FL, IN, IA, LA, MO, 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 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 what’s 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.
Originally posted on Himalayas