Auto Fire & Theft Property Damage Adjuster at United Auto Insurance

Miami, Florida, United States -

Full Time

Start Date

Immediate

Expiry Date

31 Jul, 26

Salary

0.0

Posted On

02 May, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Property damage adjusting, Fire loss investigation, Theft claim investigation, Coverage interpretation, Damage assessment, Xactimate, CCC, Negotiation, Fraud detection, Subrogation, Claims handling, Regulatory compliance, Litigation management, Cause and origin report review

Industry

Insurance

Description

COMPANY OVERVIEW: Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for a Fire & Theft Property Damage Adjuster to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business. SCOPE: The Fire & Theft Property Damage Adjuster is responsible for investigating, evaluating, and resolving first-party and third-party property damage claims involving fire loss, theft, and related exposures. This role requires strong coverage interpretation, damage assessment capability, and the ability to manage complex claims in a high-severity, high-fraud-risk environment. The adjuster will handle claims ranging from moderate to complex severity and must balance timely resolution with thorough investigation, particularly given Florida’s litigation climate and fraud considerations. Key Responsibilities Investigate and manage fire and theft-related property damage claims from FNOL through resolution Determine coverage applicability, including policy exclusions, endorsements, and limits Conduct detailed damage assessments using estimates, inspections, and vendor reports Evaluate liability and subrogation potential where applicable Identify and escalate suspicious or potentially fraudulent claims Coordinate with SIU, legal, appraisers, and external vendors (fire investigators, contractors, restoration specialists) Review and interpret fire origin & cause reports and police/theft reports Negotiate settlements with insureds, claimants, attorneys, and vendors Maintain accurate and timely claim documentation in accordance with regulatory requirements Manage claim cycle times, severity, and leakage in line with company KPIs Support catastrophe response as needed (particularly for fire-related surge events) Required Qualifications 3–6+ years of property damage adjusting experience (fire and/or theft required) Strong knowledge of homeowners, commercial property, or auto PD policies Experience handling fire losses, theft claims, or total loss scenarios Familiarity with estimating tools (e.g., Xactimate, CCC, or similar) Florida adjuster license (required) Strong investigative and analytical skills Experience working in a litigation-prone environment preferred Preferred Qualifications Experience with commercial property or multi-unit risks Prior exposure to SIU or fraud detection processes Industry designations (AIC, CPCU, or working toward) Experience reviewing cause & origin reports Core Competencies Coverage analysis Damage evaluation and estimating Fraud awareness and detection Negotiation and settlement strategy Time and inventory management Regulatory compliance (Florida-specific) BENEFITS: 401(k) Retirement Savings Plan with employer match. Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance Paid Time Off, Holidays, and Leave programs. Flexible spending accounts Basic Life Insurance and Voluntary Life/ADD Short Term and Long-Term Disability UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, or belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.

Responsibilities

The adjuster is responsible for investigating, evaluating, and resolving complex fire and theft-related property damage claims. They must manage the entire claim lifecycle while coordinating with vendors, legal teams, and SIU to ensure accurate settlements and regulatory compliance.