Prop Claims Spec Field II - CAT/Spikes Team

Join an amazing team that is consistently recognized for our achievements and culture, including our most recent Forbes award of being one of America’s Best Midsize Employers for 2026!

About the role

If you’re passionate about helping people restore their lives when the unexpected happens to their homes and providing the best customer experience, the Mercury Insurance Property Claims team could be the place for you. After completing a formal training program, you will transition into a Property Claims Field Adjuster II position, traveling to loss sites damaged by fire, water, weather, or other events. You may also handle some claims virtually and collaborate with vendors.

Responsibilities

• Investigate and resolve homeowners’ claims of moderate complexity in a timely and efficient manner.
• Document claims with photographs, measurements, recorded interviews, and write repair estimates to capture damages.
• Perform field inspections for at least 50 % of work time (company car provided), traveling to customers’ homes to conduct on‑site inspections, investigate coverage, and prepare detailed estimates.
• Handle virtual claims using imagery and advanced video technology to collaborate with onsite vendors and insureds.
• Compare investigation facts against policy language to determine coverage, extending or denying coverage as appropriate.
• Establish reserve amounts within prescribed settlement authority limits and negotiate settlements; refer claims exceeding personal authority to a supervisor.
• Communicate effectively and promptly with insureds and their representatives via phone, email, text, and written correspondence, adhering to Department of Insurance requirements.
• Prioritize workload, monitor claim progress and expenses, and ensure timely resolution.
• At times, direct, monitor, and review files handled by independent adjusters.
• Perform other functions as assigned.

Requirements

Education & Licensure

• Bachelor’s degree preferred or equivalent combination of education and experience.
• Valid driver’s license required.
• Ability to obtain state‑specific property claims licensing, as required.
• Successful completion of Mercury’s formal property claims training program (in‑person, virtual, or hybrid).

Experience

• Prior experience using estimating software such as Xactimate.
• Relevant experience in property claims, customer service, construction, restoration, or mitigation.
• 3‑5+ years of equivalent industry experience preferred.
• Clear and professional written and verbal communication skills.
• Bilingual ability and/or prior military experience are a plus.

Knowledge & Skills

• Ability to work independently with limited supervision while investigating, evaluating, estimating, negotiating, and resolving property claims.
• Strong commitment to outstanding customer service.
• Sound judgment and decision‑making based on analysis, experience, and wisdom.
• Comfort with new technology and business tools.
• Flexibility to conduct inspections physically, via video, or through photos—including climbing ladders, inspecting attics, roofs, and crawl spaces.
• Physical ability to lift and carry up to 50 lb.
• Excellent organizational, time‑management, and prioritization skills to handle varying workloads and seasonal volume changes.
• Willingness to work flexible shifts, overtime as needed, and travel to multiple locations, occasionally outside normal business hours.

Benefits

• Competitive compensation with bonus potential.
• Flexibility to work from anywhere in the United States for most positions.
• Paid time off (vacation, sick leave, 9 paid company holidays, volunteer hours).
• Incentive bonus programs (holiday, referral, performance‑based).
• Medical, dental, vision, life, and pet insurance.
• 401(k) retirement savings plan with company match.
• Engaging work environment with promotional opportunities.
• Education assistance and professional development resources.
• Company recognition program.
• Health and wellbeing resources, including free mental‑wellbeing therapy/coaching, child and eldercare resources, and more.

Pay

State‑specific pay scales range from $69,845 to $129,284 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME). In Texas, the typical hiring range is $88,712.01 to $108,425.79. The overall advertised pay range is $76,829 – $142,213 per year, varying based on experience, skills, and location.