Job Description

Overview :

Ryze Claims Solutions is seeking an experienced Independent Contractor - Insurance Claims Appraiser to join our team. This role is for an independent contractor, and as such, the individual will be responsible for managing their own schedule, tools, and expenses. The ideal candidate will have a minimum of six years of field experience in residential claims and two years of specialized appraisal experience. You will be responsible for conducting thorough appraisals for both residential and commercial claims, utilizing your expertise in insurance policies, local codes, and construction practices.

Key Responsibilities :

• Appraisal Handling : Efficiently manage residential and commercial appraisal claims with minimal oversight, ensuring accurate and timely assessments of property damage.
  
• Scope of Work and Repair Decisions : Make well-informed decisions regarding the scope of damage, appropriate repair techniques, and restoration procedures for residential and commercial claims.
  
• Negotiation and Settlement : Collaborate with contractors, adjusters, and policyholders to negotiate fair settlements based on detailed appraisals.
  
• Insurance Coverage Understanding : Demonstrate expertise in interpreting insurance policies, coverages, and causation to ensure accurate claims processing.
  
• Timely Communication : Provide regular status updates to clients, carriers, and the appraisal panel, maintaining clear and effective communication throughout the process.
  
• Regulatory Compliance : Stay updated on Florida statutes, building codes, and local ordinances relevant to property claims and construction, ensuring compliance with all regulations.
  
• Property Inspection : Conduct detailed property inspections, including accessing hard-to-reach areas such as roofs and crawlspaces, to assess and document damage.
  
• Estimating and Documentation : Prepare comprehensive damage estimates using Xactimate, including detailed annotations, sketches, and photographs. Maintain high-quality documentation throughout the claims process.
  
• Customer Service : Provide exceptional customer service by addressing inquiries, resolving issues, and ensuring a positive client experience.
  

Requirements

Job Requirements :

• Experience :
  

  • Minimum of six years of residential adjusting experience.
  • At least two years of appraisal experience.
    

• Licensing and Certifications :
  

  • Industry designations/certifications (such as CPCU, AIC, Haag, or relevant certifications).
    

• Technical Skills :
  

  • Advanced proficiency with Xactimate software, including estimating and sketching capabilities.
    
  • Ability to scope and write detailed construction estimates and time/materials estimates.
    
  • Familiarity with Xactnet, Xactanalysis.
    

• Physical Abilities :
  

  • Ability to climb roofs, access attics and crawlspaces, and perform comprehensive property inspections.
    
• Negotiation Skills :
  
• Strong skills in negotiating fair settlements with other professionals in the appraisal field.
  
• Knowledge of Coverage and Claims Law :
  
• In-depth understanding of insurance policies, claims theory, and Florida-specific laws and regulations.
  
• Communication Skills :
  
• Strong interpersonal and communication skills to interact with clients effectively, third parties, and internal teams.
  

Benefits

Important: This is a 1099 Independent Contractor Opportunity

This opportunity is classified as an   independent contractor role   under the IRS and applicable state laws, including New York. By applying, you acknowledge and agree to the following:

• You will not be classified as an employee of Ryze Claim Solutions, and no employer-employee relationship exists.
  

• You are responsible for your own taxes, insurance, and business expenses.
  

• You control the manner, timing, and method of completing your work, consistent with client expectations.
  

• You may provide services to other clients or entities, subject to applicable confidentiality or non-compete terms.
  

To qualify as a 1099 contractor under the ABC test:

• (A)  You must be free from company control and direction in how work is performed.
  

• (B)  The work must be performed outside the usual course of our business.
  

• (C)  You must be customarily engaged in an independently established trade or business.
  

If you do not meet all three criteria, you may not be eligible for this engagement

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