Property Claims Specialist Field I

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, then our Mercury Insurance Property Claims team could be the place for you! Upon completion of the training program, ideal candidates will transition into a property claims field adjusting position traveling to loss sites that have been damaged by fire, water, weather, or other unexpected events. You may also handle some claims via virtual technology and/or collaborate with vendors.

The Property Claims Field Adjuster will learn to apply knowledge of current Company policies, applicable regulatory standards, and procedures to investigate, evaluate, and settle minor to moderate Homeowner's property claims in a timely and efficient manner to prevent unnecessary expense to the Company and policyholders, while providing exceptional service to our customers.

Responsibilities

• Investigate and resolve Homeowners claims of minor to moderate complexity in a timely and efficient manner.
• Document with photographs, measurements, recorded interviews as needed, write a repair estimate to capture damages, and complete thorough file notes.
• Perform field inspections at least 50% of work time (company car provided). This involves traveling to customers’ homes to conduct on-site inspections, thoroughly investigate coverage, and prepare detailed estimates to efficiently resolve claims.
• Handle virtual claims using imagery and advanced video technology to collaborate with onsite vendors and insureds, identifying damage and writing damage estimates from a virtual setting when needed.
• Compare facts gathered during the investigation against the policy to determine coverage; extend or deny coverage as appropriate.
• Establish reserve amounts within prescribed settlement authority limit and negotiate settlement of claims; recommend claims exceeding personal authority limit to supervisor for approval.
• Effectively and timely communicate with insureds and/or their representatives to resolve issues and ensure customer satisfaction, including adherence to Department of Insurance requirements.
• Prioritize responsibilities and manage claims workload to monitor progress and expenses, ensuring proper resolution of inventory.
• Direct, monitor, and review files handled by independent adjusters to conclusion, as needed.
• Climb ladders to inspect roofing or attic space and inspect crawl spaces; ability to lift and carry up to 50 pounds.
• Work flexible shifts and overtime as needed, including occasional travel outside of normal business hours.

Requirements

• Bachelor’s degree preferred or equivalent combination of education and experience.
• Valid driver’s license is required.
• Ability to obtain state-specific property claims licensing, as required.
• Must successfully complete a formal property claims training program (in-person, virtual, or hybrid).
• Prior experience using estimating software like Xactimate.
• Experience in a related field: property claims, customer service, construction, restoration, or mitigation.
• Clear and professional communication skills, both written and verbal.
• Bilingual and/or prior military experience is a plus.
• 1-3 years of equivalent industry experience is preferred.

Skills

• Ability to work independently with limited supervision.
• Passion for outstanding customer service.
• Strong decision-making skills based on analysis, wisdom, experience, and judgment, including negotiation abilities.
• Comfortable with and adaptable to new technology and business tools.
• Ability to transition seamlessly between physical, video, or photo inspections to write damage estimates.
• Strong organizational, time management, and prioritization skills to handle varying workloads due to seasonal volume changes and catastrophes.

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 growth, makes time for fun, and works together to achieve great things. We embrace diverse perspectives and value inclusion to serve customers from all walks of life. We care about our people and reward them with competitive salaries, bonus potential, and a variety of benefits to support their health, retirement, and professional goals.

Pay

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

• $63,410 to $117,348 (CA, NJ, NY, WA, HI, AK, MD, CT, RI, MA)
• In CA: Typical hiring range is $81,341 to $99,416

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

Benefits

• Competitive compensation
• Flexibility to work from anywhere in the United States for most positions
• Paid time off (vacation, sick time, 9 paid Company holidays, volunteer hours)
• Incentive bonus programs (holiday bonus, referral bonus, 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