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Field Adjuster - Contract Position -Orlando, Jacksonville, Daytona, and St Lucie in Jacksonville, FL at Heritage Insurance

Date Posted: 3/28/2018

Job Snapshot

Job Description

Are you looking for contract opportunity to join a claims team with a responsible company that has consistently outpaced the industry in year over year growth?  Heritage Property & Casualty Insurance has an excellent claims opportunity available.

 There are multiple roles available: 

The territories available for these roles are: Orlando, Jacksonville, Daytona, and St Lucie

Property Adjusters investigate residential property claims, evaluate damages, determine coverage, set accurate loss cost estimates, control the insured's exposures and losses, manage consultants, and achieve a prompt, fair and equitable settlement according to our claims handling requirements. 


This role will also negotiate settlement of claims with varying complexity and perils.






  • Conducts a prompt, thorough and fair investigation by obtaining relevant facts to determine coverage, origin, and extent of loss losses. 
  • Conduct on-site inspections to determine facts relevant causation, damages and exposure. 
  • Engages and manages consultants as required to assist in determining facts, causation, damages and exposure; monitors the costs to ensure they are reasonable and necessary. 
  • Establishes and maintains accurate loss cost estimates and reserves for each claim for reporting, financial records, and other purposes. 
  • Keeps the Insured and others informed about the claim's status with clear, timely and accurate written/oral communications. Effectively communicates in writing on moderately complex coverage issues with minimal review and coaching. Determines depreciation of claim. 
  • Affirms or denies coverage of the claim based on the facts and the policy terms and conditions. Develops information necessary to make advance, partial and final payments when appropriate. 
  • Meet time requirements of the policy and fair claims handling practices. 
  • Effectively negotiate settlement of claims of varying complexity and perils. Achieves a prompt, fair and equitable settlement of a claim, where there is policy liability. 
  • Keeps the electronic claim file properly documented with accurate, clear and timely information and reports that reflects the adjustment activities and substantiates any payments made. 
  • Will be called upon for catastrophe duty.





Job Requirements


  • Bachelor's degree or equivalent experience
  • Knowledge of property insurance; commercial property claims; coverage evaluation; claims investigation, loss assessment, evaluation and reserves; financial analyses; insurance regulations; negotiation and settlement of moderate to high complexity claims.
  • Prior Citizens MCM experience a plus.


  • Must have an Independent adjusting license.
  • Experienced with policies
  • Experience with adjusting wind and water losses
  • Strong experience in Homeowners coverages
  • Knowledge of residential building construction
  • Must have: transportation, digital camera, ladder and Xactimate 28


  1. Insurance Adjuster Jobs
  2. Claims Adjuster Jobs