The Personal Contents Property Adjuster is responsible for managing a caseload of personal property claims arising from fire, water, pest infestation, and theft losses at storage facilities. This role includes reviewing rental agreements, investigating losses through video surveillance, gate logs, and statements from the facility, insured, and witnesses, as well as validating submitted personal property value worksheets. The adjuster will also manage independent adjusters and experts, interpret policy language to determine coverage and payment, post and evaluate reserves, prepare coverage letters and reports, and deliver strong customer service.
This position reports to the Team Leader. The selected candidate should demonstrate initiative, strong prioritization skills, the ability to manage multiple tasks, adaptability, and a commitment to industry best practices and claim-handling requirements in a fast-paced environment. The role requires working in the office at least three days per week.
Position Responsibilities
- Investigate facts of loss, including computerized damage estimating for personal property
- 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 completion
- Review and follow client handling instructions
- Settle claims promptly and fairly
- Maintain data accuracy through proper coding and system use
- Apply strong communication, negotiation, organizational, and analytical skills
- Strong project management skills with the ability to work independently
- Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint
- Strong written communication skills, particularly in policy interpretation
- Excellent customer service skills
- Experience using claims handling systems
- Experience reviewing property damage estimates, such as Xactimate
- Adjuster licensing preferred
- Claims handling experience preferred
- Ability to work collaboratively as part of a team 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.
ESIS Specialty continually monitors, measures, and analyzes trends while working closely with clients to identify opportunities to positively impact their program costs. ESIS Specialty applies a balanced approach to claims handling and management and continually refines approach to be sure services are customized, complementary and complete.
The pay range for the role is $78,000 to $112,000. 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 UsSkills Required
- Strong project management skills and ability to work independently
- Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint
- Strong written communication skills, particularly in policy interpretation
- Excellent customer service skills
- Experience using claims handling systems
- Experience reviewing property damage estimates, such as Xactimate
- Adjuster licensing
- Claims handling experience
- Ability to work collaboratively as part of a team and adapt to changing priorities and circumstances
- Applicable resident or designated home state adjuster's license for handling claims
- Ability to pass the adjuster licensing exam within up to four months if licensing requirements are not already fulfilled
- Ability to work in the office at least three days per week
What We Do
Chubb is the world’s largest publicly traded property and casualty insurance company. With operations in 54 countries and territories, 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. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs 31,000 people worldwide. Additional information can be found at: chubb.com.
