Property Adjuster job description.
A Property Adjuster investigates and evaluates property insurance claims to determine coverage and settlement amounts. They inspect damage, review policy terms, interview claimants, and negotiate settlements, ensuring claims are handled accurately, fairly, and in compliance with regulations.
The Property Adjuster job description · $29
The full editable .docx — role summary, 8 worked responsibilities, qualifications, and skills, formatted for your letterhead. Delivered to your inbox within 24 hours — usually instantly.
Role: Property Adjuster Reports to: Claims Manager or Claims Supervisor
A Property Adjuster investigates and evaluates property insurance claims to determine coverage and settlement amounts. They inspect damage, review policy terms, interview claimants, and negotiate settlements, ensuring claims are handled accurately, fairly, and in compliance with regulations.
- Investigate property damage claims through site inspections and documentation
- Review policy coverage and determine claim validity
- Estimate repair or replacement costs using industry-standard tools
What's inside the document.
One-paragraph plain-English explanation of the role's outcome and scope.
8 responsibilities phrased the way the work is actually done.
4 qualifications a candidate must have to perform on day 30.
2 qualifications that would make a candidate excellent in year two.
5 skill chips you can copy directly into your ATS.
Claims Manager or Claims Supervisor
A complete document set.
- Word document (.docx) — fully editable
- PDF — signature-ready
- Google Docs — one-click copy to your Drive
- 12 months of updates to this document
- Commercial-use licence for internal and client work
The work, not the title.
- Investigate property damage claims through site inspections and documentation
- Review policy coverage and determine claim validity
- Estimate repair or replacement costs using industry-standard tools
- Interview claimants, witnesses, and contractors as needed
- Negotiate and communicate settlement offers to policyholders
- Maintain accurate claim files and documentation throughout the process
- Identify potential fraud indicators and escalate as appropriate
- Ensure compliance with state insurance regulations and company guidelines
Required — and what would make a candidate excellent.
- Current licensure/board certification as required by state and employer
- Bachelor's degree or equivalent claims experience
- State property and casualty adjuster license
- Strong analytical and negotiation skills
- Xactimate or similar estimating software experience
- Experience with catastrophe or large-loss claims
Eight steps from download to publish.
- 01Open the Property Adjuster job description in Word or your one-click Google Docs copy.
- 02Replace placeholders for company name, reporting line, and location with your specifics.
- 03Tighten the summary to one paragraph that names the team's outcome, not just the role.
- 04Edit the responsibilities to match the actual scope of the seat — aim for 6 to 8 items, not 12.
- 05Separate required qualifications from preferred. Required is what a candidate must have to do the work on day 30; preferred is what would make them excellent in year two.
- 06Add salary range guidance using BLS, Payscale, or your own band data — do not copy generic figures.
- 07Have the hiring manager and one peer read it. Cut anything that wouldn't survive a candidate question.
- 08Publish to your ATS, intranet, and external careers page.
The right document at the right moment.
Use this Property Adjuster job description any time you are opening or reopening a seat at this level. The mid band sets the calibration — copy the document, tighten it to your specific scope, and circulate to the hiring panel before the first interview.
The reporting line (Claims Manager or Claims Supervisor) and skills list are starting points. Override either if your org structure or stack differs from the norm — the template is a draft, not a contract.
Honest answers before you download.
- Is a state license required to work as a Property Adjuster?
- Yes, most states require a property and casualty adjuster license, and adjusters working across multiple states often need reciprocal or additional licenses.
- How much travel does this role typically involve?
- Travel varies by employer and can range from local claim visits to significant travel during catastrophe or storm response deployments.
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This Property Adjuster job description is a professionally drafted starting point for your hiring process and is not legal advice. Hiring practice varies by jurisdiction (e.g. pay-transparency laws differ across US states and AU jurisdictions). Adapt this document for your specific location and have employment counsel review any clauses you add before publishing. Salary varies by region, employer type, and experience. Reference BLS or current industry surveys for ranges. Full disclaimer.