Field Underwriter- NW Florida

Job Description

Field Underwriter, Field Reporting Specialist (Full-Time)

Location: Bay or Walton County (local residency required) Reports To: Field Operations Manager Employment Type: Full-Time, Commission-Based (1099 Contractor)

Summary

Disaster Smart Consulting, Inc. (DSCI) is seeking a Field Reporting Specialist to conduct professional and timely underwriting surveys. This role requires independent work, efficient navigation within an assigned territory, and direct interaction with reviewers, insurance agency personnel, and policyholders. The ideal candidate maintains a professional demeanor and appearance in all interactions.

Key Responsibilities

Accurately measure the exterior perimeter of structures.

Objectively observe and document interior construction finishes, materials, and conditions.

Accurately assess the condition and maintenance of structures.

Identify and document liability exposures and hazards.

Conduct objective observations of roof coverings.

Perform accurate and objective policyholder interviews.

Ensure accurate and complete submission of diagrams, photos, orders, and reports.

Consistently meet or exceed productivity targets.

Core Competencies

Thoroughness

Sound Judgment

Time Management

Problem-Solving & Analysis

Self-Motivation

Strong Organizational Skills

Ability to Meet Deadlines

Work Environment & Physical Demands

This role involves significant outdoor work, requiring comfort with varying weather conditions (rain, snow, ice, extreme heat, and cold) for extended periods. Candidates must be physically fit and capable of:

Walking, standing, and sitting for long durations.

Maintaining balance and working on uneven terrain.

Using and holding a telescoping camera pole overhead throughout the day.

Carrying and climbing an inspection ladder.

Managing potentially long commutes in both rural and urban settings.

Travel

Daily travel is required within the assigned service area of Bay and Walton County. Occasional overnight travel to other cities may be requested on a voluntary basis.

Qualifications

Required Education & Experience

High school diploma or GED.

Proficiency in oral and written communication.

A strong aptitude for working with smartphones, mobile devices, and cameras.

Computer and keyboard proficiency, including internet navigation and email.

Proficiency in using mobile applications.

Additional Eligibility Requirements

Valid driver’s license.

Reliable vehicle in excellent condition.

Personal vehicle insurance.

Smartphone (iPhone preferred).

High-speed internet service.

Compensation

This is a full-commission (1099 Contractor) position. The average Field Reporting Specialist earns between $60,000 and $100,000 annually, with earning potential directly related to work volume and willingness to accept occasional Saturday or overnight travel assignments. Hotel expenses for approved overnight travel are covered.

Professional Standards

Maintain a consistently professional appearance and demeanor.

Adhere to a dress code of clean, collared shirts, khaki pants (shorts permitted during hot summer months), and comfortable, closed-toe shoes.

Please note: This job description is not exhaustive. Duties, responsibilities, and activities may change based on business needs.

Full-time