Property Claims Specialist Field II
About The Position
Mercury Insurance is seeking a Property Claims Specialist Field II to investigate, evaluate, and settle moderate homeowner property claims. After completing the formal training program, the successful candidate will transition into a field adjusting role, traveling to property loss sites involving fire, water, weather, or other unexpected events. Some claims may be handled virtually or in collaboration with vendors. The role involves applying company policies, regulatory standards, and procedures to resolve claims efficiently while controlling unnecessary expenses and providing excellent customer service. Field inspections are required for at least 50% of work time, with a company car provided. The adjuster may also use imagery and video technology to inspect damage remotely. The position requires independent judgment, clear communication, workload management, and flexibility to travel between multiple locations and work outside normal business hours when needed. Mercury offers competitive compensation, bonus potential, and a range of health, retirement, paid time off, and professional development benefits.
Requirements
- Bachelor’s degree preferred, or an equivalent combination of education and experience.
- Valid driver’s license.
- Ability to obtain state-specific property claims licenses, as required.
- Successfully participate in and complete a formal property claims training program, which may be in person, virtual, or a combination.
- Prior experience using estimating software such as Xactimate.
- Experience in a related field, such as property claims, customer service, construction, restoration, or mitigation.
- Clear and professional written and verbal communication skills.
- Ability to work independently with limited or no supervision to investigate, evaluate, estimate, negotiate, and resolve property claims.
- Strong customer service skills and sound judgment, including the ability to negotiate.
- Comfort with and adaptability to new technology and business tools.
- Ability to conduct physical, video, and photo inspections and prepare damage estimates.
- Ability to climb ladders to inspect roofs or attic spaces and inspect crawl spaces.
- Ability to lift and carry up to 50 pounds.
- Strong organization, time management, and prioritization skills to manage varying workloads, including seasonal volume changes and catastrophes.
- Ability and willingness to work flexible shifts and overtime as needed.
Nice To Haves
- Bachelor’s degree.
- Three to five or more years of equivalent industry experience.
- Bilingual ability.
- Prior military experience.
Responsibilities
- Investigate and resolve moderately complex homeowners claims in a timely and efficient manner.
- Document inspections with photographs, measurements, recorded interviews as needed, repair estimates, and thorough claim file notes.
- Perform on-site field inspections at least 50% of work time, including traveling to customers’ homes to investigate coverage and prepare estimates.
- Handle virtual claims using imagery and video technology to collaborate with onsite vendors and insureds, identify damage, and prepare estimates.
- Compare investigation findings with policy provisions to determine coverage and extend or deny coverage as appropriate.
- Establish reserves within settlement authority and negotiate claim settlements; refer claims exceeding personal authority to a supervisor for approval.
- Communicate promptly and effectively with insureds and their representatives by phone, email, text, and written communication, while meeting Department of Insurance requirements.
- Prioritize responsibilities and manage claim workload, monitoring progress and expenses through resolution.
- At times, direct, monitor, and review independent adjusters’ files through conclusion.
- Drive to multiple locations, occasionally outside normal business hours.
Benefits
- Competitive compensation and bonus potential.
- Paid time off, including vacation time, sick time, nine paid company holidays, and volunteer hours.
- Incentive bonus programs, including potential holiday, referral, and performance-based bonuses.
- Medical, dental, vision, life, and pet insurance.
- 401(k) retirement savings plan with company match.
- Education assistance.
- Professional and personal development opportunities.
- Health and wellbeing resources, including free mental wellbeing therapy or coaching sessions and child and eldercare resources.
- Company recognition program.
- Promotional opportunities.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
