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About the Role
As a Field Adjuster, you will handle moderate-complexity, first-party property claims requiring on-site inspections. Your responsibilities include investigating losses, assessing damage, preparing estimates, evaluating coverage, and negotiating settlements. This is a territory-based, fully remote position where you will work from home and travel within your assigned territory to conduct inspections and interact with policyholders and industry professionals.
Responsibilities
- Conduct thorough on-site property inspections, including accurate scoping, photography, documentation, and preparation of written or computer-assisted estimates.
- Investigate and evaluate first-party property claims to determine coverage, damages, and claim exposure.
- Review policies, leases, contracts, by-laws, and other documentation to evaluate claim validity and coverage.
- Communicate professionally, clearly, and empathetically with policyholders, public adjusters, contractors, attorneys, vendors, and internal partners.
- Use industry-standard claims estimating tools and technology to prepare, review, and validate estimates.
- Partner with internal specialists, including Subrogation and Fire/Fraud Investigations, when appropriate.
- Maintain complete, accurate, and timely claim documentation and activity notes in accordance with company standards.
- Establish and maintain appropriate claim reserves, updating them as new information becomes available.
- Prepare clear, accurate, and professional claim correspondence, including Reservation of Rights and denial letters.
- Negotiate settlements within established authority levels and appropriately escalate complex or high-exposure matters.
- Represent Heritage in legal and alternative dispute resolution proceedings, including depositions, Examinations Under Oath (EUOs), mediations, and trials, as needed.
- Stay informed about construction practices, repair methodologies, local labor and material costs, and market conditions.
- Respond promptly and professionally to questions from policyholders, customers, and internal business partners.
- Identify and report safety, regulatory, or compliance concerns.
- Travel throughout the assigned territory, with occasional travel outside the region.
- Participate in catastrophe (CAT) and surge operations, which may require extended hours, overnight travel, and temporary reassignment.
- Comply with all applicable federal and state laws, regulations, and company policies and procedures.
Requirements
- New York adjuster licensing must be obtained and maintained, along with any other licenses required to handle claims within the assigned territory.
- Minimum 5 years of property claims experience, including field adjusting experience.
- Proficiency with Microsoft Office and claims management systems.
- Demonstrated ability to independently investigate, evaluate, negotiate, and resolve property claims.
- Strong written, verbal, and interpersonal communication skills.
- Excellent analytical, organizational, and time-management abilities.
- A customer-first mindset and the professionalism to remain calm and empathetic in high-pressure or emotionally challenging situations.
- Ability to work independently while effectively managing a remote, mobile, field-based schedule.
- Ability to climb, kneel, crawl, and lift up to 30 pounds unassisted.
- Ability and willingness to travel extensively throughout the assigned Long Island/NYC territory, with occasional travel outside the region.
- All employees must successfully complete a pre-employment background check.
- Depending on the position and job responsibilities, additional screening may be required, including driving history and/or credit history checks.
Skills
- Property claims experience
- Field adjusting experience
- Microsoft Office proficiency
- Claims management systems proficiency
- Independent investigation
- Claim evaluation
- Claim negotiation
- Claim resolution
- Written communication
- Verbal communication
- Interpersonal communication
- Analytical skills
- Organizational skills
- Time-management skills
- Customer-first mindset
- Professionalism
- Calmness under pressure
- Empathy
- Independent work
- Remote work management
- Mobile work management
- Field-based schedule management
- Climbing
- Kneeling
- Crawling
- Lifting up to 30 pounds
- Extensive travel
- Claims estimating tools and technology usage
Location
- Long Island
- NYC Territory
- Remote
Work Type
- Territory-based
- Fully remote
- Field-based
Experience Level
- Minimum 5 years of property claims experience
- Field adjusting experience
Benefits
- Excellent benefits
- Comprehensive total rewards package
- Competitive compensation
About the Company
- Heritage Insurance is part of Heritage Companies, a growing family of insurance companies with a shared commitment to protecting the communities we serve.
- As a super-regional coastal property & casualty insurer, we understand the unique challenges faced by homeowners and businesses in coastal markets—and we’re proud to be there when our policyholders need us most.
- We believe great insurance starts with great people. Our culture is collaborative, customer-focused, and built around doing the right thing for our policyholders and each other.
- We offer excellent benefits, competitive compensation, opportunities for professional growth, and a supportive team environment where your expertise is valued.
- At Heritage, we know our people are our greatest asset. We’re committed to creating a workplace where talented professionals can do meaningful work, develop their expertise, and build long-term careers.
- Opportunities to grow your career within a super-regional coastal P&C insurance organization.
- The opportunity to make a direct impact on customers and communities when they need us most.
- A team that values expertise, integrity, and doing the right thing.
- The flexibility and independence of a fully remote, territory-based role, backed by the support of a strong claims organization.
Equal Opportunity
- Heritage Companies is an Equal Opportunity Employer.
- We are committed to providing equal employment opportunities and will not unlawfully discriminate against qualified applicants or employees based on any characteristic protected by applicable law.