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.
