Job Description



The Personal Contents Property Adjuster is responsible for managing a caseload of personal property claims arising from fire, water, pest infestation, and theft at storage facilities. This role involves reviewing rental agreements, investigating losses through available evidence such as video surveillance and gate logs, obtaining statements from the facility, insured, and witnesses, and validating submitted worksheets of personal property values.



The adjuster will also manage independent adjusters and experts, interpret policy language to determine coverage and payment decisions, maintain and evaluate reserves, prepare coverage letters and reports, and deliver high-quality customer service.



This position reports to the Team Leader. The selected candidate should demonstrate initiative, strong prioritization skills, the ability to manage multiple priorities, flexibility, and the ability to work effectively in a fast-paced environment while meeting claim handling standards and industry best practices.



This role requires working in the office a minimum of three days per week.




Position Responsibilities

• Investigate facts of loss, including the use of computerized estimating tools for personal property damage


• Conduct coverage analysis to determine eligibility and applicable exclusions


• Prepare coverage letters, including disclaimers and Reservation of Rights letters, for customers


• Ensure timely posting of loss and expense reserves and manage claims from assignment through resolution


• Review and follow client handling instructions


• Resolve claims promptly and fairly


• Maintain accurate claim data through proper coding and system use


• Demonstrate strong communication, negotiation, organizational, and analytical skills

Qualifications

• Strong project management skills with the ability to work independently


• Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint


• Strong writing skills, particularly in relation to policy interpretation


• Strong customer service skills


• Experience with claims handling systems


• Experience evaluating property damage estimates, such as Xactimate


• Adjuster licensing is a plus


• Claims handling experience preferred


• Ability to collaborate effectively with others and adapt to changing priorities and circumstances

An applicable resident or designated home state adjuster's license is required for ESIS Field Claims Adjusters. Adjusters that do not fulfill the license requirements will not meet ESIS's employment requirements for handling claims. ESIS supports independent self-study time and will allow up to 4 months to pass the adjuster licensing exam.

ESIS, a Chubb company, provides claim and risk management services to a wide variety of commercial clients. ESIS' innovative best-in-class approach to program design, integration, and achievement of results aligns with the needs and expectations of our clients' unique risk management needs. With more than 70 years of experience, and offerings in both the U.S. and globally, ESIS provides one of the industry's broadest selections of risk management solutions covering both pre- and post-loss services.

The pay range for the role is $57,000 to $83,000. The specific offer will depend on an applicant's skills and other factors. This role may also be eligible to participate in a discretionary annual incentive program. Chubb offers a comprehensive benefits package, more details on which can be found on our careers website. The disclosed pay range estimate may be adjusted for the applicable geographic differential for the location in which the position is filled.




About Us



Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.



At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop and retain employees. Chubb prohibits all unlawful discrimination, harassment and retaliation against any individual who reports discrimination or harassment.