Overview

Job DescriptionJob DescriptionJoin a collaborative, service-focused team where attention to detail, professionalism, and customer care are valued. At Stillwater Insurance Group, you will play a critical role in supporting our Claims Department by ensuring accurate and timely claim intake while delivering exceptional service to policyholders and internal partners.Why Stillwater?Stillwater Insurance Group is a mid-sized national insurance provider offering home, auto, and commercial insurance products across all 50 states. Headquartered in Jacksonville, Florida, with offices in New York and Omaha, we are known for our supportive culture, strong values, and people-first approach.Our employees consistently describe Stillwater as a place with great people, accessible leadership, and a genuine commitment to integrity. We emphasize teamwork, professional development, and internal growth within a positive, high-performing environment.Role OverviewThe Property Claim Adjuster is responsible for investigating, evaluating, negotiating, and resolving homeowner, dwelling, condominium, renters, and commercial property claims across our 50-state market. This is an in-office, desk-based role located in Omaha, NE, Jacksonville, FL, or Jericho, NY. The position requires strong technical adjusting expertise, analytical capability, and the ability to manage complex coverage and damage determinations while delivering exceptional customer service.Key ResponsibilitiesInvestigate and analyze property claims to determine coverage, liability, and damagesInterpret and apply policy language accurately while protecting company rightsPrepare professional correspondence including reservation of rights, non-waiver agreements, disclaimers, and coverage determination lettersCommunicate clearly and promptly with insureds, agents, contractors, public adjusters, attorneys, and internal stakeholdersUtilize remote inspection tools and independent adjusters as appropriateEstablish and maintain accurate claim documentation, file notes, and reservesIdentify and pursue subrogation and salvage recovery opportunitiesManage disputed claims including AOBs, CRNs, NOIs, and complex scope or pricing disputesPrepare detailed claim summaries and reports for management and regulatory purposesCreate and audit property damage estimates using Xactimate; continuously refine estimating proficiencyEnsure compliance with applicable state insurance laws, regulatory requirements, and internal claims handling standardsProvide professional, solutions-focused customer service while effectively managing conflictMinimum Qualifications5+ years of property claim experience as an adjuster with an insurance carrierBachelor's degree (BA/BS/BBA) or equivalent combination of education and relevant experienceStrong knowledge of property and casualty insurance policies and claims handling principlesDemonstrated experience investigating and adjusting residential and/or commercial property claimsDemonstrated experience using Xactimate to write, review, and edit property damage estimatesStrong analytical, investigative, and problem-solving skillsSolid written and verbal communication skillsProficiency in Microsoft Office applications, including ExcelAbility to manage multiple claims and competing priorities in a fast-paced environmentCommitment to ethical standards, accuracy, and regulatory complianceAbility to maintain required adjuster licenses and continuing educationPreferred QualificationsExperience handling multi-state property claimsFamiliarity with Unfair/Fair Claims Practices and applicable insurance codesExperience managing litigated or complex property claimsSkills & CompetenciesTechnical property damage assessment expertiseStrong negotiation and conflict resolution skillsHigh level of organization and file management disciplineSound judgment and coverage interpretation skillsCollaborative team mindsetCustomer-focused approach balanced with risk management awarenessWhat You Can ExpectA supporti