Claims Field Adjuster - OK

Pay Philosophy 

The typical starting salary for this position is determined by a number of factors, including, but not limited to, acquired skills, experience, education, and certifications/designations. This position may be eligible for annual merit increases and participation in our bonus program.

What are we looking for?

At Columbia Insurance, we believe our people are the heart of our success and our greatest strength. With robust benefits, a fun, family-like atmosphere, and a culture that thrives on real connections, Columbia truly is the place to be. Our vision is to lead the industry in people-first partnerships. The best way to achieve that is by bringing together a team of skilled, passionate, and talented individuals.

Who we are and what we do?

Join our team as a Commercial Property Field Adjuster. In this position, you will be responsible for investigating, evaluating, and adjusting minor to moderate severity commercial property claims. Ideal candidates are located in Oklahoma.

Why us?

• Medical, Dental, and Vision coverage
• 401(k) and company match
• Generous paid time off (PTO), paid company holidays, paid maternity/paternity leave, and supplemental sick leave
• Family-like culture
• Year-round wellness initiatives
• Company sponsored events
• Cell phone
• Company Car
• Opportunities for professional development with conferences, events, and continued education

Company History

Our legacy has roots back to 1889 when we first became part of the mutual insurance movement in the Midwest. Today, our extensive heritage resonates nationwide, as we proudly serve customers in 14 states across the country.

BASIC FUNCTION AND RESPONSIBILITYThe Commercial Property Field Adjuster is responsible for investigating, evaluating, and adjusting minor to moderate severity commercial property claims. This role involves on-site inspections of insured commercial properties, analysis of policy coverage, preparation of accurate damage estimates, and timely resolution of claims in accordance with company guidelines, policy provisions, and applicable regulations.

The adjuster exercises independent judgment within assigned authority, communicates directly with insureds, agents, public adjusters and contractors, and issues reservation of rights letters and coverage disclaimers when appropriate.

ESSENTIAL FUNCTIONS

• Conduct on-site inspections of commercial properties to assess property damage related to covered losses (e.g., fire, wind, water, vandalism, and other commercial property perils).
• Document damage through photographs, measurements, diagrams, and written reports.
• Determine cause of loss and confirm policy applicability.
• Identify potential coverage issues and exposures early in the claim process.
• Review commercial property policies, endorsements, and declarations to determine coverage, limits, deductibles, and exclusions.
• Identify and communicate coverage determinations clearly to insureds, public adjusters, and agents.
• With supervision, prepare and issue reservation of rights letters and coverage disclaimers/denial letters in accordance with company standards and regulatory requirements.
• Prepare detailed and accurate repair or replacement cost estimates using approved estimating software and pricing databases.
• Evaluate contractor estimates and invoices for accuracy, scope, and reasonableness.
• Negotiate settlements within assigned authority while maintaining fair claim practices.
• Issue claim payments and settlement documentation in compliance with company procedures.