高级财产索赔理赔员（复杂、大额索赔）
Senior Property Claims Adjuster (Complex, Large Loss Claims)
职位详情
职位名称：高级财产索赔理赔员（复杂、大额损失）
工作地点：远程（MA, GA, MS, UT, AL, FL, IN, IA, LA, MO, NC, OK, PA, TX, WI）/ 混合办公（密歇根州特洛伊）
雇佣类型：全职
招聘开始日期：2026年07月28日
招聘截止日期：2026年10月28日（如提前招到合适人选或业务需求变化，招聘可能提前结束）
帮助我们保障安全
Tokio Marine HCC - 公共风险集团，是Tokio Marine旗下公司之一，是为市政实体提供专业保险产品的市场领导者。我们为县、城市、乡镇、村庄、警察部门、监狱、消防部门等提供保障。我们满足中型和大型政府机构不断增长的保险和风险管理需求，并在多个州提供财产和责任保险保障。
职位概述
我们正在寻找一名高级财产索赔理赔员，负责管理需要高度自主性和技术专长的复杂多线第一方索赔。在此职位上，您将从初步调查到解决处理索赔，运用专业的保险知识和强大的分析判断力，确保公平、及时的结果，同时为我们的被保险人和合作伙伴提供卓越的服务。
主要职责
- 分析保险条款问题，进行调查，评估损失和责任，以确定复杂财产索赔的有效性。制定并发出保险条款立场信，向管理层寻求适当的授权。
- 与被保险人和代理沟通，提供符合公司标准的客户服务。
- 通过访谈进行索赔调查，指派独立理赔员完成现场勘查，并为被保险人、代理和索赔人准备书面函件。
- 能够分析使用Xactimate软件编写的结构损坏估算。
- 审核承包商估算、独立理赔员报告、评估师报告和工程报告，以确定损失程度。
- 建议超出规定授权限额的准备金和赔偿。
- 建议并提出超出规定授权限额的赔偿条款。
- 在规定授权范围内与被保险人、承包商和其他索赔流程中的相关方协商赔偿。
- 按照公司政策和程序维护索赔文件和文档。
- 参加调解和其他商务/公司会议而进行出差。
查看英文原文
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