Property Adj Mid Loss

About the Role

The Property Mid Loss Adjuster applies broad knowledge of current Company policy, applicable regulatory standards, and procedural changes to investigate, evaluate, and settle moderate to complex Homeowner's property claims in a timely and efficient manner. This role aims to prevent unnecessary expense to the Company and policyholders while providing exceptional service to customers.

Responsibilities

• Investigate moderate to complex Homeowners claims to confirm facts, origin, and cause of loss.
• Address and handle all exposures of the claim, including Dwelling, Other Structures, Contents, and Loss of Use. Investigations may include scene inspection, recorded interviews with policyholders or other witnesses, or use of appropriate experts.
• Compare facts gathered during the investigation against policy to determine coverage, extend or deny coverage as appropriate.
• Inspect and determine the extent of damages, documenting with photographs, measurements, repair estimates, and thorough log notes.
• Establish reserve amounts within prescribed settlement authority limit and negotiate settlement of claims; recommend claims exceeding personal authority limit to supervisor for approval.
• Maintain claims on a regular diary to monitor unresolved issues and exposures. Regularly monitor progress and expense of ongoing claims.
• Ensure exceptional service is provided to customers throughout the claim handling process, including timely response to phone calls, emails, written communication, and adherence to Department of Insurance requirements.
• Direct, monitor, and review files handled by independent adjusters to conclusion. Assist in training property personnel.
• Other functions may be assigned.

Requirements

• Bachelor’s degree preferred or equivalent combination of education and experience.
• 4 - 8 years of equivalent industry experience is preferred.
• Custodial use of a Company vehicle is provided; must meet established Company standards regarding personal driving history and current license status to be eligible.
• This is a home-based field position requiring travel of up to 50% of work time. Some long in-state distance travel may be required.
• Must meet established Company standards regarding personal driving history and have a current driver's license.

Skills

• A good working knowledge of office and business computer applications.
• Proficient mathematical skills to compute the cost of damage and repair.
• Ability to perform field inspections at least 50% of work time (company car provided).
• Ability to use advanced video technology to collaborate with onsite vendors and insureds to identify damage and write a damage estimate from a virtual setting when needed.
• Technical knowledge of and proficiency in property evaluation, estimation, and Xactimate.
• A good working knowledge of construction nomenclature and procedures.
• Written and verbal communication skills to effectively and professionally interact with internal and external customers, vendors, and other third parties.
• Ability to adhere to established Company policies and procedures within claims operations.
• Critical attention to detail and excellent organizational skills.
• Analytical ability necessary to analyze, interpret, and evaluate relevant information.

• Customer Focus: Dedicated to meeting the expectations and requirements of internal and external customers.
• Decision Quality: Makes good decisions based upon a mixture of analysis, wisdom, experience, and judgment.
• Interpersonal Savvy: Builds constructive and effective relationships.
• Composure: Is not knocked off balance by the unexpected; is cool under pressure.
• Listening: Practices attentive and active listening.
• Time Management: Ability to use time effectively and efficiently.

About the Company

At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance, and we can’t imagine a world without it. Our team encourages you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member and believe in diverse perspectives where everyone is included to serve customers from all walks of life.

We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals.

Benefits

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

Pay

State-specific pay scales for this role are as follows:

• $83,670 to $161,815 (NJ, NY, WA, HI, AK, MD, CT, RI, MA).
• $76,064 to $147,104 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME).
• $68,457 to $132,394 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV).
• In CA: Typical hiring range is $110,468.25 to $135,016.75.

The expected base salary for this position will vary depending on relevant experience, skills, and location.

Schedule

This is a home-based field position requiring travel of up to 50% of work time. Some long in-state distance travel may be required. The opening is for coverage primarily in a specified location, with some non-field claims in remote areas also assigned.