Claims Adjuster

Claims Adjuster

• Position Title: Claims Adjuster
• Department: Claims Reports
• To: Claims Manager
• Location: Florida (Hybrid/Remote as applicable)

Position Summary

Mangrove Insurance is seeking a motivated and customer-focused Claims Adjuster to investigate, evaluate, negotiate, and resolve residential property insurance claims throughout Florida. This role is responsible for managing claims from first notice of loss through final resolution while ensuring compliance with company guidelines, policy provisions, and Florida regulations.

The Claims Adjuster works closely with policyholders, contractors, vendors, agents, and internal stakeholders to deliver timely, accurate, and professional claim handling. The ideal candidate demonstrates sound judgment, attention to detail, and a commitment to providing exceptional customer service during the claims process.

Essential Duties and Responsibilities

• · Investigate and manage residential property insurance claims from first notice of loss through final resolution.
• · Analyze policy coverage, damages, and claim exposure in accordance with policy language and company guidelines.
• · Review estimates, photographs, contractor reports, and other claim documentation to determine appropriate claim disposition.
• · Conduct recorded statements and gather relevant information to support claim investigations.
• · Communicate clearly and professionally with policyholders, public adjusters, agents, contractors, attorneys, and vendors.
• · Negotiate settlements within designated authority levels and obtain approval when necessary.
• · Maintain timely, complete, and accurate claim documentation within the claims management system.
• · Monitor claim activity to ensure compliance with service standards, regulatory requirements, and company expectations.
• · Identify potential fraud indicators and escalate concerns in accordance with company procedures.
• · Participate in catastrophe response efforts as needed.
• · Collaborate with internal teams to ensure prompt and accurate claim resolution.
• · Perform other duties as assigned.

Required Qualifications

• · Bachelor’s degree preferred or equivalent combination of education and relevant experience.
• · Minimum 2-4 years of residential property claims handling experience.
• · Working knowledge of homeowners insurance policies and coverage interpretation.
• · Understanding of Florida property insurance claims practices and regulations.
• · Experience investigating and resolving property insurance claims.
• · Proficiency with claims management systems and Microsoft Office applications.
• · Strong analytical, organizational, and problem-solving skills.
• · Excellent verbal and written communication skills.
• · Ability to effectively manage a caseload and meet established deadlines.
• · Valid Florida driver’s license and ability to travel as required.

Preferred Qualifications

• · Florida 6-20 All-Lines Adjuster License.
• · Industry designations such as AIC, CPCU, AIS, or similar.
• · Experience handling both field and desk property claims.
• · Catastrophe claims experience.
• · Knowledge of Xactimate and property estimating principles.

Key Competencies

• · Claims Investigation
• · Coverage Evaluation
• · Negotiation and Settlement
• · Customer Service
• · Critical Thinking
• · Regulatory Compliance
• · Time Management
• · Communication Skills
• · Attention to Detail
• · Collaboration and Teamwork