Commercial Property Field Adjuster (1099 Contractor)

Independent Field Adjuster – Commercial Property (1099 Contractor)

🔹 Location: Nationwide (Remote with Regional Field Travel)

🔹 Job Type: Independent Contractor (1099)

🔹 Industry: Insurance Claims – Commercial Property

Who We Are

At Ryze Claims, we empower independent professionals to thrive while delivering excellence in the property claims space. We are expanding our network of experienced Commercial Property Field Adjusters who are ready to hit the ground running with confidence, accuracy, and professionalism.

If you’re a seasoned adjuster with commercial property experience, excellent communication skills, and a commitment to high-quality service, we want to partner with you.

What You’ll Do

As a Commercial Property Field Adjuster, you will investigate and evaluate daily property claims—ranging from small businesses to large commercial losses—ensuring every claim is handled accurately and efficiently while adhering to carrier and client expectations.

Key Responsibilities

✔️ Conduct on-site inspections of damaged commercial properties to assess loss and determine claim-related damages.

✔️ Investigate, document, and resolve claims independently and within delegated authority.

✔️ Prepare detailed, professional estimates using Xactimate (Symbility experience is a plus).

✔️ Apply knowledge of policy language and coverage to make fair and sound claim decisions.

✔️ Set and adjust reserves in line with carrier guidelines.

✔️ Submit timely and thorough reports, photos, and documentation, including severe incident and ITV reports.

✔️ Deliver exceptional service to clients, policyholders, and internal teams.

✔️ Stay informed of insurance policies, local repair costs, and construction practices to ensure claims accuracy.

✔️ Maintain compliance with state licensing and continuing education requirements.

What You Bring

✅ 2–3+ years of commercial property claims experience required (Farm & Ranch a plus).

✅ Bachelor’s Degree Preferred, High School Diploma Required.

✅ Valid adjuster license for your home state and any state(s) you will cover.

✅ Valid driver’s license with reliable transportation for field inspections.

✅ Active E&O insurance policy with a minimum of $250,000 coverage.

✅ Proficiency in Xactimate required; Symbility experience a plus.

✅ General construction knowledge and the ability to assess complex losses.

✅ Physically able to climb ladders, access roofs, attics, and crawlspaces, and perform inspections safely.

✅ Strong analytical, problem-solving, and time management skills.

✅ Ability to follow client-specific guidelines and meet service deadlines.

✅ Self-starter with excellent written and verbal communication skills.

Why Partner with Ryze?

✔️ Independence & Flexibility – Set your schedule, manage your workload.

✔️ Competitive Pay Per File – Earn based on performance and claim complexity.

✔️ Consistent Claims Volume – Access diverse opportunities through our national carrier partners.

✔️ Tools & Support – Get access to tech platforms, admin support, and field resources.

✔️ Grow Your Business – Work with a reputable leader in the independent adjusting industry.

⚠️ Please Note

This is a 1099 Independent Contractor role, not an offer of employment. You must operate as your own business and meet all state and federal requirements for independent contracting, including insurance and licensing.