Regional Property Claims Adjuster-Inspector

Grinnell Mutual Reinsurance • Springfield, MO

21d • $67,497 - $116,995 • Remote

About The Position

The Regional Property Claims Adjuster adjusts property claims for assigned mutuals through the Reinsurance Adjuster Program. The role determines coverage by reviewing policies and endorsements, evaluates losses through on-site investigations, and settles claims according to Grinnell Mutual procedures. It also serves as an expert resource for Property Claims Adjusters–Inspectors and may be filled at a level reflecting the candidate’s qualifications and experience. New employees receive individualized, in-depth training through the Reinsurance Adjusting Program.

The position is based in the employee’s remote home office, primarily in or near Springfield, Missouri, and includes a company-provided vehicle for travel to claim sites. Daytime travel is approximately 60–80% of the time, with occasional overnight travel and periodic trips to support claim operations. The role may also support operations during major weather or disaster events. The work can be fast-paced, especially during high-volume claims periods, and involves frequent interaction with customers and other professionals. It requires regular driving, outdoor work in varied weather, and the ability to climb ladders and work on rooftops. Candidates must be eligible to work in the U.S. without company sponsorship.

Requirements

• Bachelor’s degree from a four-year accredited college or university and at least three years of property adjusting experience involving homeowners and farm owners, or an equivalent combination of education and experience.
• Excellent interpersonal, active listening, and customer service skills, including patience, resilience under pressure, persistence, empathy, and decisiveness.
• Ability to communicate claim information and respond to inquiries professionally in person, by phone, and in writing, in both individual and group settings.
• Strong written communication skills, including proper grammar and professionalism in business correspondence and reports.
• Ability to use logical thinking and sound judgment to make informed claim decisions based on experience and factual information.
• Ability to follow established procedures to assess coverage, determine negligence, and evaluate damages.
• Ability to organize work, set priorities, and meet deadlines amid frequent interruptions.
• Ability to collaborate effectively with colleagues and supervisors and interact tactfully and courteously with customers and the public.
• Valid driver’s license and ability to travel from the home office to customer offices and claim sites.
• Ability to undertake daytime travel approximately 60–80% of the time and occasional overnight travel, approximately 10% of the time depending on region size and claim concentration.
• Ability to travel periodically to support claim operations, estimated at approximately 4–6 weeks per year.
• Regular and predictable attendance.
• Ability to maintain the confidentiality of sensitive or proprietary information and adhere to Grinnell Mutual policies and core values.
• Ability to perform the essential functions of the job, with reasonable accommodations where applicable.
• Ability to drive frequently, climb ladders, work on rooftops, and maneuver a ladder.
• Ability to lift or move up to 10 pounds regularly, up to 25 pounds frequently, and up to 50 pounds occasionally.
• Visual abilities including distance vision, peripheral vision, depth perception, and adjustment of focus.

Nice To Haves

• AIC or CPCU designation.
• Experience with Xactimate or a similar computer-based adjusting tool.

Responsibilities

• Investigate farm and homeowners property claims through on-site inspections and interviews with claimants, insureds, and witnesses to determine the extent of damage.
• Manage complex and high-severity property claims within an assigned geographic region.
• Determine policy coverage and investigate, evaluate, negotiate, and equitably settle claims in accordance with company policies and procedures.
• Set and maintain reserves based on estimated loss through claim resolution.
• Organize and prioritize work to resolve assigned claims promptly and professionally.
• Prepare initial and follow-up reports, and document claim activity, contacts, offers, and demands in claim files.
• Assist with or prepare files for subrogation, suit, or trial when requested.
• Coordinate with law enforcement to verify stolen items, ownership, and payment details; request restitution when applicable after recovery of items for which a claim has been paid.
• Build and maintain relationships with agents and mutual managers, serve as a liaison between customers and Grinnell Mutual, support evaluations of mutuals for potential business, and convey feedback to the supervisor.
• Conduct field inspections to determine building values, assess risk acceptability, identify hazards, and recommend corrective action.
• Recommend appropriate building insurance to value and work with underwriting to determine insurability, documenting property conditions with photographs and diagrams.
• Authorize or approve claim payments within delegated authority and company limits.
• Manage assigned claim files from opening through settlement and closure.
• Coach and mentor peers on company and claims protocols, guidelines, policies, and procedures.
• Complete special projects assigned by management and perform other duties as assigned.
• Serve as a field resource in a split-handling claims model by inspecting losses, documenting damage, taking photographs, and preparing scope estimates for desk adjusters.
• Investigate and adjust property claims from an office setting by reviewing field inspection reports, damage photographs, and scope documentation to determine coverage and support resolution.
• Travel periodically to support claim operations, estimated at approximately 4–6 weeks annually in intermittent trips, and support operations during major weather or disaster events.

Benefits

• Comprehensive health benefits package with premiums reduced for commitment to a healthy lifestyle.
• Disability insurance.
• Life insurance.
• 401(k) program with company match.
• One-time home office reimbursement of up to $1,000.
• Monthly internet expenses paid by the company.
• Flexible work environment.
• Paid holidays when the office is closed.
• Company-provided vehicle for travel to claim sites.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level