UPC Insurance

Large Loss Field Adjuster (Jacksonville, NC)

Job Locations US-NC-Jacksonville


Summary: The Large Loss Adjuster role provides prompt, courteous and fair claim service on large property claims involving homeowners and commercial residential policies. Will be responsible for the investigation of homeowner claims to determine coverage under the contract, estimation of property damage, corresponding with customers over the phone, obtaining important claims information, and negotiating damage settlements. You will be documenting claims activity into our claims system and following processes that provide fair claim resolutions, customer satisfaction and cost management.


Essential Duties/Responsibilities:

Using strong organizational and interpersonal skills, the duties will include:

  • Acknowledge claim assignments; confirm policy coverage through interpretation of the contract; direct adjustment of claims.
  • Interpret policy; make decisions using independent judgment on large and complex claims and determine if coverage applies to the claims submitted.
  • Investigate claims to determine validity and verify extent of damage by telephone contact with policyholders, their legal representatives and service providers.
  • Negotiate settlements and make payments within scope of authority, settling claims timely, and in the most cost-effective manner.
  • Develop and maintain working relationships with agents and service partners in the industry.
  • Keeps abreast of claim and related legal principles, tax requirements, local ordinance and law as well as underwriting rules and procedures.
  • Performs other related duties as assigned.

Supervisory Responsibilities:  None


Education and/or Experience:

  • Bachelors’ degree preferred but not required; minimum of five (5+) years of experience in Property claims handling involving homeowner policies to include moderate to complex loss adjusting.
  • Moderate to expert level Xactimate user.
  • Ability to obtain proper licensing as required.


To perform the job successfully, an individual should demonstrate the following behaviors:

  • Motivation/Initiative: Motivated and curious, willing to ask questions, research issues and take on challenging projects/assignments; creative, brings new ideas to the table, exhibits self-confidence.  Has strong achievement motivation and tenacity. 
  • Administrative Skills: Possesses ability to organize and follow-through on multiple tasks, recognizes and attends to important details with accuracy and efficiency, effectively prioritizes work of staff members. Works to complete goals, tasks and plans, anticipates potential problems and analyzes alternative solutions.
  • Interpersonal Style: (Interpersonal Skills, Communication, Teamwork); develops/ maintains effective working relationships; listens attentively to others; communicates ideas clearly (written & verbal); relates to people in an open/ sincere manner; participates effectively in meetings; assists in finding solutions as well as identifying problems; communicates appropriately with supervisor, managed staff and co-workers. Able to manage other individuals and maintain calm and reliable demeanor in the face of challenges.
  • Self-Management: (Adaptability/Flexibility, Stress Tolerance, Autonomy); adapts readily to changes in routine; works effectively in stressful situations; needs limited guidance and direction; is comfortable working in a fast-paced environment; is reliable and dependable; is results-oriented; maintains productivity and composure under pressure; views problems as opportunities to create solutions.
  • Thinking Skills: Diagnoses problems efficiently; gathers sufficient input before making decision or plans; makes timely decision, quickly determines sources of problem, identifies information needed to solve problem and analyzes alternative solutions, communicates issues and decisions effectively to team. 
  • Customer Orientation: Sensitive & responsive to internal and external customer needs; demonstrates skills in customer services and satisfaction; maintains a positive attitude, willing to listen to customer problems and seeks solutions; stays in tune with changing needs of customers.

 Required Skills:

  • Property Damage Estimation
  • Written Communication
  • Oral Communication
  • Computer Literacy
  • Customer Service
  • Diplomacy
  • Math Aptitude
  • Organization
  • Planning
  • Presentation
  • Reading Skills
  • Time Management

Physical Demands:  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


While performing the duties of this job, the employee is regularly required to use hands and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand, walk; sit; climb or balance and stoop, kneel, crouch or crawl. Specific vision abilities required by this job include close vision, distance vision and depth perception. 


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