We're Hiring

The Philadelphia Contributionship is the oldest successful property and casualty insurance company in the United States, having been founded by Ben Franklin in 1752.  We write homeowners insurance in Pennsylvania, New Jersey, Delaware, Maryland and Virginia.  We have an A- (Excellent) rating from A.M. Best and have been consistently recognized as one of the Top Workplaces in the Philadelphia area. We currently have an opening for a General Adjuster in central/northern NJ.  This position is responsible for adjusting and settling complex first party property claims typically with values above $100,000.  This is a full time position, which includes a complete benefits package, a company car and participation in our annual bonus program.  We are seeking to hire a representative who lives in the north New Jersey territory, as the majority of time will be spent adjusting claims in that area with occasional need to report to our Philadelphia headquarters for meetings.  

Responsibilities of a General Adjuster:

• Monitor the settlement of complex and unusual exposure cases to resolution through direction, evaluation, and negotiation within limits of authority.
• Direct, investigate, negotiate, and settle large and/or complex claims to resolution through Xactimate estimate writing, use of sketch, then follow up with direction, evaluation, and negotiation within limits of authority.
• Interpret coverage issues on assigned cases and prepare evaluations and recommendations on cases exceeding personal authority. On claims where applicable, prepare Reservation of Rights letters, complete coverage investigations, determine how to proceed and carry through accordingly.
• Perform a thorough investigation of the loss including travel to loss sites as needed, at times after traditional business hours, review of vendor reports, securing recorded or signed statements, business records and reports, proof of loss, police reports, diagrams, photographs, or testimony from technical experts. Generally involved with more serious cases or those requiring special expertise.  Travel to loss site for on-site inspection is required.
• Evaluate and appraise losses and apply relevant policy provisions to reach a settlement amount. This may include writing estimates and acquiring agreed prices for property damage; obtaining business and accounting records necessary to evaluate, calculate and negotiate business income losses.
• Determine appropriate claim reserves and review for potential subrogation opportunities on assigned cases, ensuring optimal subrogation recovery potential. Maintain proper diary.
• Prepare all worksheets, forms, documentation and reporting duties to create a file that is capable of being used by others to monitor progress or continue efficient handling of a claim.
• Prepare drafts, negotiate settlements, and perform all tasks required to close a case and effect efficient and fair settlement of claims. This may include the proper handling of subrogation and disposal of salvage or property owned by the Company to reduce paid loss amounts.
• May attend trials, depositions, and court settlement conferences as appropriate.
• Provide technical assistance to staff and assist in training as needed.
• Perform other related jobs and assignments as required by management.
• Complete Xactimate certification within 6 months of hire.
• Fill in for supervisor when required.

  Hiring requirements:

• Bachelor’s Degree OR relevant job experience and insurance related education including Xactimate Certification, AIC, CCLA or PCLA, CPCU, Adjuster’s License (By State), or combination of these.
• Minimum of 7 years of claim or related experience with several years of experience in construction and /or the handling of highly complex claims or a combination of both.
• Detailed knowledge of statutory and case law involving first party property contractual and extra contractual cases. (Emphasis on PA, NJ, MD, DE, VA)
• Detailed knowledge and understanding of company claim philosophy and procedures.
• Extensive knowledge of personal and commercial insurance coverage and investigative techniques.
• Knowledge of Unfair Claims Practice and Unfair Trade Practice laws and regulations.
• Excellent verbal and written communication skills.
• Demonstrated ability for independent claim strategy and prompt action that addressed the needs of the individual case.
• Competent computer skills with Word, Excel, Outlook and Xactimate.
• Demonstrated excellent customer service skills.
• Understanding of claim adjustment protocol, adjustment techniques, and human behavior.
• Superior time management and organizational skills.
• Valid Driver’s license & clean driving record.

  Working Environment / Physical Demands:

• Must be able to visit loss sites by company provided vehicle and perform inspections of damage.
• Must be able to walk through loss sites including fire and smoke scenes with proper safety equipment.
• May be required to inspect a roof using proper safety equipment.
• Remote environment along with the ability to travel to loss sites-company car, laptop and phone included. Access to the company office workspace is provided with all necessary equipment.
• Loss sites may include fire, water, wind damage and may require climbing, bending, stooping, lifting, and use of a ladder in order to assess damage.