Senior Property Claims Adjuster

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. This position is eligible to work from home anywhere in the United States; ideal candidate will reside in the Eastern region Essential Functions: Independently investigates, evaluates, negotiates, and resolves large and moderately complex to complex commercial property and reinsured cyber claims, including litigated matters, within assigned authority Analyzes coverage, cause of loss, scope, valuation, and business income exposure; establishes timely and adequate reserves Conducts field inspections and oversees re-inspections, including participation in catastrophe operations Coordinates and manages experts and vendors (e.g., engineers, remediation firms, contractors, origin and cause specialists) to address urgent claim needs and preserve evidence Communicates claim status, coverage positions, and resolution strategies with insureds, agents, attorneys, and internal partners Develops negotiation strategies, evaluates settlement ranges, and negotiates claim settlements in accordance with company guidelines Drafts and issues reservation of rights, denial letters, settlements, proofs of loss, and payments with accuracy and compliance Manages litigated claims, recommends defense counsel, and collaborates with attorneys through mediation, appraisal, arbitration, or trial Identifies recovery, subrogation, and potential fraud opportunities; partners with SIU as appropriate Reviews and audits estimates and invoices for accuracy, reasonableness, and cost-effective repair solutions Collaborates with Underwriting, Risk Improvement, and other specialty units to support risk evaluation and account management Serves as a technical resource and mentor to less experienced adjusters and participates in cross-functional initiatives Education & Experience: Bachelor’s degree or equivalent relevant experience Five years of property claims adjusting experience or related experience Relevant insurance designations preferred Knowledge, Skills & Abilities: Excellent knowledge of the theory and practice of the claim function Strong knowledge of insurance contracts, medical terminology and substantive and procedural laws Strong knowledge of computers and claims systems Ability to obtain all applicable state licenses Excellent organizational and empathetic interpersonal skills Strong written and verbal communication skills Excellent customer service skills Excellent investigative and problem-solving abilities Ability to maintain confidentiality Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving The hiring salary range for this position will vary based on geographic location, falling within either of the following: $78,726 - $108,771 or $87,008 - $119,646A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers. Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles. Apply To This Job