Renters Claim Adjuster

Under moderate supervision, the Property Claim Representative – Individual Renters Claims is responsible for handling low‑severity to moderate‑severity individual renters (HO‑4) claims, primarily involving personal property (contents) losses. This role requires strong time management, written communication, and analytical skills to ensure timely investigation, documentation, coverage correspondence, and resolution of claims in accordance with policy provisions, company guidelines, and applicable regulations.

• →Investigate, evaluate, and resolve HO‑4 individual renters claims, with a primary focus on personal property (contents) losses.
• →Review and interpret HO‑4 individual renters policy forms to determine applicable coverages, exclusions, deductibles, and limits.
• →Conduct desk‑based investigations, including review of loss details, supporting documentation, photos, estimates, invoices, receipts, and statements.
• →Prepare and issue timely and accurate coverage letters, claim correspondence, and status updates in compliance with regulatory and internal standards.
• →Determine damages, set and manage appropriate claim reserves, and negotiate settlements within assigned authority.
• →Maintain accurate, thorough, and timely claim file documentation reflecting all investigative and claim handling activity.
• →Communicate professionally and effectively with insureds, agents, vendors, and internal partners to ensure prompt claim progression and resolution.
• →Manage an assigned inventory of renters claims efficiently to meet productivity, quality, and cycle‑time expectations.
• →Identify potential issues, discrepancies, or coverage concerns and escalate appropriately.
• →Adhere to all company policies, procedures, and applicable state insurance regulations.

• Bachelor’s degree in business, finance, insurance, or a related field, or equivalent claims handling experience.
• Prior experience handling renters insurance or personal property (contents) claims preferred.
• Working knowledge of individual renters’ policy coverage, exclusions, and claim handling principles.
• Proficiency with claims management systems and estimating or valuation tools used for contents losses. Xactimate experience preferred.
• Strong written communication skills, particularly for drafting coverage determinations and claim correspondence.
• Demonstrated ability to manage time effectively, prioritize workload, and maintain consistent productivity.
• Strong analytical, decision‑making, and problem‑solving skills.
• Excellent interpersonal and customer service skills.
• Active adjuster license as required by state regulations, or ability to obtain one within 90 days.
• This is a desk‑based position; routine travel is not required.