Independent Desk Adjuster - Catastrophe (CAT)

July 8, 2025

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Job Title: Independent Desk Adjuster – Catastrophe (CAT)

Location: Remote

Department: Claims

Reports To: Claims Supervisor

FLSA Status: Not Applicable – 1099 Independent Contractor

Compensation: $45 per hour during CAT event

Position Overview:

As an Independent Desk Adjuster for People’s Trust Insurance, you will play a key role in handling homeowners’ property claims related to catastrophic events such as hurricanes. Operating remotely, you will be responsible for evaluating, processing, and settling claims quickly and accurately in a high-volume environment. This position requires strong analytical skills, insurance policy knowledge, and a customer-focused mindset.

Key Responsibilities:

• Claim Evaluation: Review and analyze CAT-related property claims, including wind, water, and flood damage, to determine coverage and estimate losses.

• Documentation Review: Assess property damage using photos, estimates, and reports submitted by field adjusters, contractors, and policyholders.

• Decision-Making: Apply policy language to determine coverage and issue fair claim settlements based on guidelines and regulations.

• Customer Communication: Provide clear and empathetic guidance to policyholders throughout the claims process, ensuring transparency and support during a stressful time.

• File Documentation: Maintain accurate, detailed, and compliant records of all claims activity.

• Collaboration: Coordinate with field adjusters, contractors, and internal teams to ensure timely and accurate claim resolution.

• Efficiency & Timeliness: Manage a large caseload efficiently while meeting service level expectations and regulatory requirements.

Qualifications:

• Licensing: Must hold a valid Florida Adjuster License.

• Experience: Minimum of 2 years in homeowners property claims adjusting, with at least 1 year in catastrophe-related claims preferred.

• Skills:

o Strong understanding of homeowners insurance policies and catastrophe claims handling.

o Ability to interpret policy language and apply coverage accurately.

o High level of professionalism, empathy, and customer service focus.

o Excellent written and verbal communication skills.

o Proficient in Microsoft Office and comfortable navigating claims systems.

o Strong organizational and time management skills.

Work Requirements:

• Must be able to work remotely and maintain a reliable internet connection.

• Comfortable operating as a 1099 contractor and handling business-related expenses.

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