Claims Adjuster

About This Role

The Insurance Claims Adjuster manages a diverse portfolio of claims across multiple states, focusing on investigation, evaluation, and resolution of Auto, General Liability, Casualty, and Property claims. This role provides exceptional service to claimants, Operations team members, and other internal and external partners, combining strong technical claims expertise with a customer-service mindset.

Responsibilities

• Manage multi-state claims from first notice of loss through investigation, resolution, and closure
• Review claim documentation, including estimates, expense bills, and invoices
• Maintain accurate claim notes, reserves, payments, and supporting documents in the claims system
• Evaluate coverage, liability, damages, reserves, and settlement opportunities
• Negotiate settlements with claimants, attorneys, carriers, vendors, and other parties
• Gather information, investigate incidents, and identify trends to speed resolution
• Respond to calls, emails, and requests from attorneys, carriers, clients, and Operations
• Provide responsive, empathetic communication so claimants understand the process, next steps, and timelines
• Comply with state and federal laws and company policies and procedures
• Answer claim and payment inquiries, assist with rental car assignments, and set up new claim files
• Identify subrogation, recovery, fraud, and cost-savings opportunities
• Send and respond to reimbursement demands, including intercompany arbitration
• Transmit documents to the claims TPAs used by Towne
• Escalate significant, complex, litigated, or high-exposure claims appropriately
• Support risk leadership on complex claims, including claims in litigation

Requirements

• High school diploma or GED required; some college preferred
• Insurance adjuster licenses required in all 33 states where Towne handles claims
• Candidates not yet licensed in every required state will be considered; Towne will pay for licensing in any remaining states, to be obtained within the timeframe set at hire
• Must maintain all licenses in good standing, including continuing education requirements
• Minimum 4-6 years of insurance claims adjusting experience, preferably in a multi-state environment
• Demonstrated experience handling Auto, General Liability, Casualty, and Property claims
• Strong knowledge of claims investigation, liability determination, coverage analysis, reserving, negotiation, and settlement practices
• Understanding of self-funding, self-insured retentions, and third-party administrator (TPA) concepts
• Strong customer-service orientation; balances the needs of the claimant and the business while maintaining claims-handling standards