Liability & Property Insurance Claims Examiner

The strongest candidates will have significant liability claims experience , including bodily injury, premises liability, coverage analysis, liability determination, reserves, negotiation, and attorney-represented or litigated claims. Negotiate settlements with claimants, attorneys, contractors, vendors, and other parties within appropriate authority levels.

Liability & Property Insurance Claims Examiner
Pinellas Park, FL
Direct Hire | Hybrid – 3 Days On-Site / 2 Days Remote

TempExperts is seeking an experienced Liability & Property Insurance Claims Examiner for a well-established insurance organization in Pinellas Park, FL. This position is ideal for an experienced homeowners/P&C claims professional who can independently manage liability claims from initial investigation through resolution.

The strongest candidates will have significant liability claims experience, including bodily injury, premises liability, coverage analysis, liability determination, reserves, negotiation, and attorney-represented or litigated claims.
Responsibilities

• Manage assigned homeowners/P&C liability claims from initial assignment through settlement or closure.
• Investigate claims by reviewing reports, photographs, statements, contracts, property conditions, medical documentation, and other available evidence.
• Analyze policy coverage, exclusions, limits, and applicable liability provisions.
• Take and document recorded statements from insureds, claimants, witnesses, and other involved parties.
• Evaluate bodily injury claims, including medical records, bills, lost wages, and other damages.
• Determine liability, fault, comparative responsibility, and overall claim exposure.
• Establish and adjust reserves based on claim evaluation and anticipated exposure.
• Negotiate settlements with claimants, attorneys, contractors, vendors, and other parties within appropriate authority levels.
• Manage attorney-represented and litigated claims, working with defense counsel through resolution.
• Identify potential subrogation, fraud, and SIU referral opportunities.
• Maintain accurate claim files, diaries, documentation, and required communications.
• Manage an active caseload while meeting applicable deadlines and regulatory requirements.

Requirements

• Active Florida Adjuster's License required.
• Minimum 2 years of professional homeowners/P&C claims experience required; 5+ years preferred.
• Strong liability claims experience required, with approximately 80% liability claims experience preferred.
• Experience handling bodily injury, premises liability, property damage liability, or other homeowners liability claims.
• Experience determining liability/fault and evaluating claim exposure.
• Experience with coverage analysis, reserves, settlement negotiations, and full-cycle claim ownership.
• Experience handling attorney-represented and/or litigated claims preferred.
• Experience taking recorded statements and conducting liability investigations.
• Strong analytical, organizational, documentation, and communication skills.
• Ability to exercise sound judgment and independently manage a claims caseload.
• Xactimate/XactAnalysis experience preferred.
• Residential construction knowledge preferred.
• CPCU, AIC, SCLA, or related industry designation preferred.

TempExperts is an Equal Opportunity Employer.