Full-Time

National Field Adjuster

Updated on 7/21/2026

Universal Insurance Holdings

Universal Insurance Holdings

11-50 employees

Property and casualty insurer, claims management

No salary listed

Maryland, USA

Remote

Remote within Maryland; must reside in Maryland.

Category
Finance & Banking (1)
Required Skills
Word/Pages/Docs
Excel/Numbers/Sheets

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Requirements
  • Working knowledge of Microsoft Office including Word, Excel and Outlook
  • Some degree of creativity and latitude is a plus
  • Must possess a Florida 6-20 Insurance License
  • Possession of out of state license as required by management
  • Ability to work independently as well as a team player
  • Ability to multi-task
  • Computer savvy
  • Estimating software knowledge
  • Basic calculator skills
  • Working knowledge of ISO policies
Responsibilities
  • Communicate with desk examiners, insureds, attorneys, and other experts to gather information on claims
  • Negotiate settlements with the insured and/or their representatives
  • Prepare reports based on the policy language and submit payment recommendations to the desk examiners
  • Prepare detailed estimates of the damage
  • Manage workload and submit closing documents in a timely fashion
  • Regular and reliable attendance
  • Answer incoming telephone calls from attorneys, agents, public adjusters and insureds
  • Rely on training as well as guidance from management to plan and accomplish goals
  • Other duties as assigned
Universal Insurance Holdings

Universal Insurance Holdings

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Universal Insurance Holdings operates as a holding company for property and casualty insurance and related value-added services, including claims management. It develops insurance policies and delivers them through its own platforms, such as a proprietary back-office system and an online Florida distribution platform that lets customers complete policy purchases online, along with technology-supported claims management. The company differentiates itself by pairing an entrepreneurial, hands-on team with a strong technology focus, owning a proprietary operations platform and an online channel to streamline policy purchase and claims handling. Its goals are to strengthen its foundation, continuously improve the customer experience, grow its product lineup, and deliver durable value for shareholders.

Company Size

11-50

Company Stage

IPO

Headquarters

Fort Lauderdale, Florida

Founded

1997

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Simplify Jobs

Simplify's Take

What believers are saying

  • 2026 note refinancing extends maturities and reduces near-term debt pressure.
  • Q1 2026 EPS and ROE improved sharply on better underwriting.
  • Additional catastrophe reinsurance strengthens protection against hurricane-driven losses.

What critics are saying

  • Florida still dominates premiums, leaving results exposed to hurricanes.
  • Reinsurance costs rise when catastrophe markets tighten after major storms.
  • A higher 7.75% coupon increases interest expense versus the refinanced debt.

What makes Universal Insurance Holdings unique

  • Vertically integrated Florida homeowners insurer with claims and distribution control.
  • Expanded beyond Florida into multiple states to reduce concentration risk.
  • Uses reinsurance and capital management to stabilize catastrophe-heavy earnings.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Paid Vacation

Performance Bonus

Company News

Yahoo Finance
Mar 1st, 2026
Universal Insurance reports $2.17 Q4 EPS, 46% ROE as Florida reforms stabilise market

Universal Insurance reported fourth-quarter adjusted diluted earnings per share of $2.17, up from $0.25 a year earlier, alongside core revenue of $403.6 million. The company's net combined ratio improved 20.4 points, driven by a lower net loss ratio. Management described the capital position as "robust" with reserves at their strongest level in company history. Universal returned capital by repurchasing approximately 210,000 shares for $6.9 million and authorising a new $20 million buyback programme, whilst maintaining its quarterly dividend. CEO Steve Donaghy attributed the momentum to Florida's legislative reforms, which have "visibly stabilised the market" and improved competitive conditions. The company is progressing with reinsurance placement for 2026, with substantial first-event coverage secured and multiyear capacity arranged for 2027.

Yahoo Finance
Feb 26th, 2026
Universal Insurance posts 46% ROE with Florida reforms stabilising market

Universal Insurance Holdings reported significant Q4 2025 earnings growth, with adjusted return on common equity exceeding 46%, driven by a lower net loss ratio and higher net premiums. The company's net loss ratio improved by 21 points year-over-year. Florida legislative reforms have stabilised the market by reducing third-party claim costs. Direct premium growth of 2.7% was driven by 18.2% expansion in non-Florida states, offsetting a 3.1% decline in Florida premiums. The company reports its reserve position is the strongest in its history. Management is negotiating the 2026 reinsurance programme and has secured multiyear capacity through 2027. An actuarial study on 2026 rates begins in March. The board authorised a new $20 million share repurchase programme through January 2028.

Sharewise
May 23rd, 2025
HRTG vs. UVE: Which Regional P&C Insurer is a Safer Bet Now?

Also, to safeguard its balance sheet, Universal Insurance has already secured $352 million of additional multi-year coverage for the 2026-2027 hurricane season.

Defense World
Dec 20th, 2024
HighTower Advisors LLC Invests $636,000 in Universal Insurance Holdings, Inc. (NYSE:UVE)

HighTower Advisors LLC invests $636,000 in Universal Insurance Holdings, Inc. (NYSE:UVE).

ETF Daily News
Dec 14th, 2024
Verition Fund Management LLC Invests $338,000 in Universal Insurance Holdings, Inc. (NYSE:UVE)

Verition Fund Management LLC invests $338,000 in Universal Insurance Holdings, Inc. (NYSE:UVE).