Desk Adjuster

Job description:EXCITING OPPORTUNITY TO JOIN GROWING INDUSTRY!In addition to meaningful work and professional development opportunities, our highly competitive benefits package offers:Salary: $50,000 + high-earning commission structureShort term incentive plan - AnnualGenerous paid time off9 Paid Holidays + early office closing before major holidaysMedical, Dental, and Vision plans401k with excellent company matchEducation reimbursementHybrid workPosition Summary:The Desk Adjuster manages the full lifecycle of assigned claims, serving as both the subject matter expert and primary point of contact for the insured. This includes claim review and prior history, evaluating inspection documents, determining coverage, assessing and communicating damage, setting reserves, issuing payments, and reaching settlements. The individual in this role maintains full ownership of each claim, ensures ongoing follow-up, and adheres to all compliance requirements until the claim is fully resolved.Key Responsibilities:Investigate claims by verifying facts through policy review, endorsements, and interviews with insured parties and other relevant individuals, and write estimates or denial based on coverage determination.Review documentation for completeness, accuracy, and compliance with carrier policiesEnsure all collected information is accurate and identify potentially fraudulent activity, following up on discrepanciesSet appropriate reserves and recommend reasonable and accurate claim payments in a timely mannerAdhere to carrier Service Level Objectives (SLOs) and claim closure requirementsDraft and deliver clear, professionally written correspondence, including claim-related letters and communicationsExercise sound judgment and critical thinking to resolve complex claim issuesCommunicate effectively and promptly with insureds, claimants, and internal stakeholders in a courteous and professional mannerMaintain detailed, organized file documentation to support the claim; when needed, make revisions and/or collaborate on filesServe as technical subject matter expert and support team members by sharing knowledge and assisting with workload when neededPrepare and submit all required claim documentation in a timely manner.Provide regular updates on claim status to management and leadership and escalate to management when necessary following established procedures.Attend and participate in training sessions, team meetings, and projects as needed.Deliver excellent customer service and maintain a high level of professionalism in all interactions.Adhere to all applicable State Insurance Regulation requirements and other applicable laws, regulations, and standardsAssume personal responsibility for maintaining the requisite state license for the state(s) assigned.Perform additional duties as assignedQualifications:High School Diploma or equivalentMinimum of two years' experience in claim handling, estimating, and policy interpretation requiredExperience handling claims in the California market is a plusProficient with complex claims handling procedures preferredMust have experience handling weather water and non-weather water perilsMust be familiar with water mitigation practicesProficient in Xactimate, Snapsheet and Guidewire CMS experience is a plus.Proficient in writing estimates over the phone and from various sourcesProficient computer skills with Microsoft Word, Excel, PowerPoint, and Adobe AcrobatExperience with taking recorded statements is a plusStrong focus on customer service.Self-motivated, and critical thinker who can work independently and use sound judgment to solve problemsStrong written and verbal communication skillsHigh level of time management skillsAbility to multitask and quickly adapt to changing/conflicting prioritiesExcellent attention to detailStrong relationship building skills and ability to work well with othersPossess the requisite state license for the state(s) assigned.Physical Activities and RequirementsWork involves prolonged periods sitting at a desk; continuously working on a computer using manual dexterity; operating office equipment, cell phone usage, walking, face to face discussions and web-based meeting participation. Continuously requires vision, hearing and communication.Schedule AvailabilityWillingness to work a varied schedule, as needed; may require weekend work days and accommodation of occasional meetings and work activities scheduled outside normal business hoursBenefits:401(k) matchingDental insuranceEmployee assistance programEmployee discountHealth insuranceHealth savings accountLife insuranceMatching gift programPaid time offProfessional development assistanceReferral programRetirement planTuition reimbursementVision insuranceWork from homeWork Location: Hybrid remote in Lakewood, CO 80235

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