NOI Adjuster

The NOI Claims Adjuster will focus on handling claims, where the insured representative has notified, via the DFS website, their notice of intent to sue the carrier under FL Statute 627.70152. The NOI Adjuster will be responsible for doing a deep dive in to their assigned NOI claims, which may come from a daily claim unit, a complex claim unit, a CAT claim unit or a commercial claim unit to evaluate the proper resolution of each claim. Responsible for presenting, to the NOI manager, a comprehensive resolution strategy. Under the statute there are only two possible resolutions, settle the claim or position the file to be defended. The ideal NOI candidate will be well versed in property damage claims.  The comprehensive initial investigation needed to determine the cause and origin of the reported loss. Review the merits and outcome of the investigation completed respective to coverage under the applicable policy. Determine whether the initial investigation was caried out to completion or if pieces of the investigation are missing. Based on each claim file review, determine what is needed to bring each claim to resolution.

The NOI adjuster may be assigned claims that have not been reported to the DFS. These claims may involve receipt of a CRN by the carrier.  The ability to promptly analyze and prepare action plans and present to the claim manager, based on multiple data sources utilized in the previous file handling is required. Knowledge of Florida insurance regulations, claims practices and statutory requirements, governing Florida case law, ADR methodology, inclusive of appraisal, DFS mediation and disputed claims resolution is required. The NOI Adjuster will also serve as a mentor to less experienced adjusters and assist with training, as needed. The ability to work extended hours, including evenings and weekends, based on customer and business needs, as well as in response to catastrophic weather, is required. A competitive candidate will have a minimum of 7 years of experience with homeowner property claims and the litigation that can result.

Essential Duties

  • Respond timely to each NOI received
  • Depending on the NOI strategy formulated, make sure it is carried out timely under the statute guidelines
  • Position the file to be defended should suit be filed.
  • Verify facts of loss and pertinent information to analyze and confirm coverage was appropriately applied.
  • Follow the NOI SB 76 requirements on each file to insure timely resolution under the constraints of the statute.
  • Handle the adjusting of the resolution of the claim, including collecting and reviewing all loss related facts, performing an analysis under the terms of the insurance policy to make coverage recommendation and issue payments within applicable authority level.
  • Review and analyze all investigative and claim material to determine the facts of the loss, the investigation completed, needed and position file for strategic resolution.
  • Document all claim actions, inclusive of coverage and damage investigations, contacts, phone calls, emails, and correspondences in the claim file.
  • Check e-mails and messages daily. Respond to all calls, emails, and questions in a timely manner.
  • Establish ultimate reserves (anticipated cost to bring file to closure based on known facts) as soon as practical and monitor to adjust at the time of any exposure changing event.
  • Respond to insureds, public adjusters, attorneys, contractors, and any additional involved parties to obtain needed information, complete a timely investigation, relay status updates, explain settlements and/or ultimate claim disposition.
  • Timely submit reserve and payment approval requests, as appropriate.
  • Identify claims requiring a Reservation of Rights or denial, draft appropriate coverage correspondence and refer for management approval.
  • Identify claims best suited to be be resolved through DFS Mediation and/or appraisal and timely demand appropriate ADR option.
  • Attend mediations, as assigned, and apply technical knowledge to facilitate claim resolution negotiations.
  • Apply advanced negotiation skills to effectuate resolution of disputed claims with insureds or their legal representative.
  • Coordinate appraisal process, maintaining communication necessary to ensure appraisal process is timely moving forward toward binding award.


This job has no supervisory responsibilities.


  • Attention to detail.
  • Ability to multi-task.
  • Solid written and verbal communication skills.
  • Effective oral, written, organizational and analytical skills required.
  • Strong computer skills and the ability to work effectively under stress.
  • Interpersonal skills to develop relationship with insured’s, PA’s, opposing counsel, defense counsel, vendors and contractors to enhance the appropriate flow of information.
  • Maintain Florida 520 License. Obtain Alabama, North Carolina, South Carolina, and Georgia, if applicant does not currently possess same.
  • Minimum 5 years’ experience and/or training in P & C Insurance or equivalent combination of education and experience.
  • Ability to regularly use computer and certain software programs. Strong computer and data entry skills required.


A four-year college degree is preferred along with prior insurance experience with an insurance carrier or agency. Minimum 5 years’ experience and/or training in P & C Insurance or equivalent combination of education and experience. Minimum of 3 years’ experience in the appraisal process.


Ability to read and comprehend detailed instructions, correspondence, and memos. Ability to professionally execute excellent verbal and written communications. Ability to effectively present information in one-on- one and small group situations to customers, clients, and other employees of the organization.


Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.


Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.


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

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stand and walk. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.


The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.


NOTE:This is not necessarily an exhaustive list of responsibilities, skills, duties, requirements, efforts or working conditions associated with the job.  While this list is intended to be an accurate reflection of the current job, Frontline Homeowners Insurance reserves the right to revise the functions and duties of the job or to require that additional or different tasks be performed when circumstances change.


We are a Drug Free Workplace and EOE.

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