Inland Marine Adjuster

Job description

About the role As an Inland Marine Adjuster, you will play a critical role in investigating, evaluating, and resolving complex inland marine insurance claims. This includes losses related to construction equipment, contractor’s tools, transportation of goods, fine arts, and other movable commercial property. You’ll be responsible for managing the claim process from start to finish—assessing coverage, determining liability, estimating damages, and negotiating settlements—in alignment with company guidelines and regulatory requirements. This role demands strong analytical skills, attention to detail, and a solid understanding of inland marine coverages and commercial property policies. You will collaborate with policyholders, brokers, contractors, legal counsel, and internal stakeholders to deliver fair and timely claim outcomes while upholding customer service standards and maintaining claims integrity. What you'll do Provide prompt, courteous and high-quality customer service to all policyholders and claimants by answering customer calls, filing claims, and resolving customer requests Gather necessary information from customers to initiate the claim and explain policy, coverage, and appropriate course of action Manage an inventory of claims, establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim Investigates, determines coverage of loss and adjusts all elements of commercial property loss claims Ability to write appraisals for dwelling repairs or coordinate with a team of field appraisers to review accuracy of appraisal written by IA Explains coverage of loss including coinsurance, assists policyholders with itemization of damages, and mitigation steps. Experienced with business interruption claims Ensure compliance with specific state regulations, policy provisions, and standard operating procedures Communicate with involved parties and negotiate appropriate settlements with claimants, insureds, and attorneys within approved payment authority Provide input for continuous development of claims guidelines, best practices, and process improvements Oversee and direct outside investigative service providers and work closely with the client and client counsel and investigative services to resolve the claim Qualifications Active insurance adjuster’s license by way of a designated home state, or home state Bachelor's degree (lack of one should not stop you from applying if you possess all the other qualifications) Minimum of 3 years of experience with Property claims Experience in handling Inland Marine losses preferred Commercial property claims experience a plus Desk and/or field appraisal experience Willing to obtain all licenses within 60 days, including completing state required testing Knowledge of state regulations, policy provisions, and standard operating procedures Ability to analyze and evaluate complex data and make sound decisions based on established guidelines, policies, and procedures Curious and motivated by problem solving and questioning the status quo Desire to engage in learning opportunities and continuous professional development Willingness to travel for client and claims needs Benefits Generous health-insurance package with nationwide coverage, vision, & dental 401(k) retirement plan with employer matching Competitive PTO policy – we want our employees fresh, healthy, happy, and energized! Generous family leave policy after 8 months of continuous work Work from anywhere to facilitate your work life balance Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder! Additionally, we will Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role Work toward reducing and eliminating all the administrative work from an adjuster role Foster a culture of empathy, transparency, and empowerment in a remote-first environment At Reserv, we value diversity in backgrounds, perspectives, and life experiences and believe that diversity in viewpoints and critical thinking drives innovation, first-principles thinking, and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role, we would love to hear from you! About Reserv Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike. We have ambitious (but attainable!) goals and need people who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can't wait to meet you. Location Requirement Candidates must reside in an eligible U.S. state throughout employment. We are unable to hire candidates residing in California, Alaska, Hawaii, U.S. territories, or outside the United States.