Claims Adjuster

About Towne

Towne is an exceptional arrival through departure experience company. With its best-in-class parking and hospitality solutions and its fully integrated technology platform, we deliver seamless parking and mobility experiences in the places where people live, learn, work, play, rejuvenate, and recover. Towne’s 14,000 team members create smiles by delivering exceptional experiences for the millions of people we proudly serve each year. For nearly 40 years, Towne has been committed to providing the best experience, delivered by the best team, powered by innovative technology, enhancing lives and communities. For more information, visit www.towne.com and follow us on LinkedIn .

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SUMMARY

The Insurance Claims Adjuster manages a diverse portfolio of claims across multiple states. This role is responsible for the investigation, evaluation and resolution of Auto, General Liability, Casualty and Property claims, while providing exceptional service to claimants, Operations team members and other internal and external partners.

The ideal candidate combines strong technical claims expertise with a customer-service mindset and understands that effective claims management is about more than resolving a claim: it means clear communication, timely follow-up and a positive experience throughout the claims process. The role works closely with Operations, Accounting, Risk Management, claimants, third-party administrators (TPAs), insurance carriers, vendors and other business partners.

Job Details

Compensation: Towne is committed to offering competitive, fair, and commensurate compensation. Actual compensation will be based on a candidate’s job-related skills, experience, education or training, and location. The annual base pay range for this position is $69,000 - $104,000.

Benefits: Employees are eligible to enroll in medical, dental, and vision insurance, accident insurance, critical illness insurance, hospital indemnity insurance, and telemedicine benefits. Employees are provided company-paid basic life and AD&D insurance as well as short-term and long-term disability. Employees are also able to enroll in the company’s 401k retirement savings plan.

Paid Time Off: Employees accrue 0.0654 hours of PTO per hour worked up to a maximum of 136 hours per calendar year. Employees receive 6 paid holidays throughout the calendar year and employees accrue up to a maximum of 4 paid floating holidays per calendar year.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to a specific plan or program terms.

ESSENTIAL FUNCTIONS

Reasonable accommodations may be made to enable individuals with disabilities to perform all functions.

Descriptive Statement(s)

Claims Handling and Documentation — 30% of time

• •Manages multi-state claims from first notice of loss through investigation, resolution and closure
• •Reviews claim documentation, including estimates, expense bills and invoices
• •Maintains accurate claim notes, reserves, payments and supporting documents in the claims system

Claim Evaluation and Settlement — 20% of time

• •Evaluates coverage, liability, damages, reserves and settlement opportunities
• •Negotiates settlements with claimants, attorneys, carriers, vendors and other parties

Investigation and Partner Communication — 10% of time

• •Gathers information, investigates incidents and identifies trends to speed resolution
• •Responds to calls, emails and requests from attorneys, carriers, clients and Operations

Claimant Experience — 10% of time

Provides responsive, empathetic communication so claimants understand the process, next steps and timelines

Compliance and Claims Support — 10% of time

• •Complies with state and federal laws and company policies and procedures
• •Answers claim and payment inquiries, assists with rental car assignments and sets up new claim files

Subrogation and Recovery — 10% of time

• •Identifies subrogation, recovery, fraud and cost-savings opportunities
• •Sends and responds to reimbursement demands, including intercompany arbitration
• •Transmits documents to the claims TPAs used by Towne

Escalation and Litigation Support — 10% of time

• •Escalates significant, complex, litigated or high-exposure claims appropriately
• •Supports risk leadership on complex claims, including claims in litigation

QUALIFICATIONS

Education:

High school diploma or GED required; some college preferred

Required Licensure, Certification, etc.:

• •Insurance adjuster licenses required in all 33 states where Towne handles claims
• •Candidates not yet licensed in every required state will be considered; Towne will pay for licensing in any remaining states, to be obtained within the timeframe set at hire
• •Must maintain all licenses in good standing, including continuing education requirements

Work Experience:

• •Minimum 4-6 years of insurance claims adjusting experience, preferably in a multi-state environment
• •Demonstrated experience handling Auto, General Liability, Casualty and Property claims; Workers' Compensation experience a plus

Knowledge & Skills:

Strong technical claims knowledge paired with a customer-service mindset, reflected in Towne's Leadership Capabilities framework.

• •Strong knowledge of claims investigation, liability determination, coverage analysis, reserving, negotiation and settlement practices
• •Understanding of self-funding, self-insured retentions and third-party administrator (TPA) concepts
• •Strong customer-service orientation; balances the needs of the claimant and the business while maintaining claims-handling standards
• •Ability to independently manage a high-volume caseload with accuracy and complete documentation
• •Proficiency in MS Office (Excel, Word and Outlook) and Riskonnect or similar claims handling systems
• •Excellent verbal and written communication with internal teams, customers, vendors, TPAs and attorneys
• •Good judgment and discretion in processing and documenting claim files
• •Interest and willingness to learn claims and litigation topics relevant to the company and department
• •Brand Enhancers: Treats every claimant interaction as a reflection of Towne, with clear, courteous communication and timely follow-up
• •Relentlessly People-Focused: Balances empathy for claimants with fair outcomes for the business and helps Operations partners through the claims process
• •Asset Optimizers: Controls claim costs through accurate reserving, sound settlements and pursuit of subrogation and recovery
• •Data-Driven Innovators: Uses claim data and system reporting to spot trends and improve visibility, accountability and the claimant experience
• •Passionate About Performance: Keeps every file accurate, documented and moving, and escalates high-exposure claims without delay

SCOPE

Authority to Act:

Performs duties independently with minimal supervision, operating from specific and definite directions and instructions. Decisions are of a routine nature made within prescribed operating guidelines, policies and procedures. Mistakes/errors may result in work stoppage, loss of business, poor customer relations and/or damage to product, all of which can have negative financial implications for the organization.

Budget Responsibility:

The employee has control over resources available only.

WORKING CONDITIONS & PHYSICAL DEMANDS

The working conditions and physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job . Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical Requirements

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required t