Property Claims Specialist Field I
Mercury Insurance, Rancho Cucamonga, CA, United States
Position Summary
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 as to prevent unnecessary expense to the Company and policyholders and provide exceptional service to our customers.
Geo-Salary Information State specific pay scales for this role are as follows:
$61,864 to $108,197 (CA, NJ, NY, WA, HI, AK, MD, CT, RI, MA)
The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.
USD $63,410.00 - USD $117,348.00 /Yr.
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 will involve travelling to customers’ homes to conduct on‑site inspections, thoroughly investigate coverage and prepare detailed estimates to efficiently resolve their claims.
Handle virtual claims. Must have ability to use imagery and advanced video technology to collaborate with on‑site vendors and insureds to identify damage and write damage estimates from a virtual setting when needed.
Compare facts gathered during the investigation against the policy to determine coverage of claim; extend or deny coverage as appropriate.
Establish reserve amounts within prescribed settlement authority limit and negotiate settlement of claims; recommend claims that exceed personal authority limit to supervisor for approval.
Communicate with insureds and/or their representatives to resolve issues and ensure customer satisfaction in a timely manner (phone calls, emails, texts, written communication) and adhere to Department of Insurance requirements.
Prioritize own responsibilities and manage claims workload to monitor progress and expenses to resolve inventory to conclusion.
At times may direct, monitor, and review files handled by independent adjusters.
Other functions may be assigned.
Qualifications
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 participate and complete formal property claims training program that may take place in person, virtually, or a combination of both.
Experience
Prior experience using estimating software like Xactimate.
Experience in a related field: property claims, customer service environment, construction, restoration, mitigation.
Known for clear and professional communication, both written and verbal.
Bilingual and/or prior military experience is a plus.
1‑3 years equivalent industry experience is preferred.
Knowledge and Skills
Work independently with limited or no supervision over daily activities required to investigate, evaluate, write damage estimates, negotiate, and resolve property claims.
Passion for outstanding customer service.
Make quality decisions based on analysis, wisdom, experience, and judgement, including the ability to negotiate.
Comfortable with and adaptable to new technology and business tools.
Seamlessly transition between physical, video, or photo inspections to write damage estimates.
May include climbing ladders to inspect roofing or attic space and inspection of crawl spaces.
Ability to lift and carry up to 50 pounds.
Strong organizational, time management, and prioritization skills for varying workloads.
Willing to work flexible shifts and may be asked to work overtime.
Drive to and from multiple locations and occasionally outside of normal business hours.
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 holiday, referral, and performance‑based bonuses)
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
Equality and Diversity Statement Mercury Insurance is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.
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Geo-Salary Information State specific pay scales for this role are as follows:
$61,864 to $108,197 (CA, NJ, NY, WA, HI, AK, MD, CT, RI, MA)
The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.
USD $63,410.00 - USD $117,348.00 /Yr.
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 will involve travelling to customers’ homes to conduct on‑site inspections, thoroughly investigate coverage and prepare detailed estimates to efficiently resolve their claims.
Handle virtual claims. Must have ability to use imagery and advanced video technology to collaborate with on‑site vendors and insureds to identify damage and write damage estimates from a virtual setting when needed.
Compare facts gathered during the investigation against the policy to determine coverage of claim; extend or deny coverage as appropriate.
Establish reserve amounts within prescribed settlement authority limit and negotiate settlement of claims; recommend claims that exceed personal authority limit to supervisor for approval.
Communicate with insureds and/or their representatives to resolve issues and ensure customer satisfaction in a timely manner (phone calls, emails, texts, written communication) and adhere to Department of Insurance requirements.
Prioritize own responsibilities and manage claims workload to monitor progress and expenses to resolve inventory to conclusion.
At times may direct, monitor, and review files handled by independent adjusters.
Other functions may be assigned.
Qualifications
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 participate and complete formal property claims training program that may take place in person, virtually, or a combination of both.
Experience
Prior experience using estimating software like Xactimate.
Experience in a related field: property claims, customer service environment, construction, restoration, mitigation.
Known for clear and professional communication, both written and verbal.
Bilingual and/or prior military experience is a plus.
1‑3 years equivalent industry experience is preferred.
Knowledge and Skills
Work independently with limited or no supervision over daily activities required to investigate, evaluate, write damage estimates, negotiate, and resolve property claims.
Passion for outstanding customer service.
Make quality decisions based on analysis, wisdom, experience, and judgement, including the ability to negotiate.
Comfortable with and adaptable to new technology and business tools.
Seamlessly transition between physical, video, or photo inspections to write damage estimates.
May include climbing ladders to inspect roofing or attic space and inspection of crawl spaces.
Ability to lift and carry up to 50 pounds.
Strong organizational, time management, and prioritization skills for varying workloads.
Willing to work flexible shifts and may be asked to work overtime.
Drive to and from multiple locations and occasionally outside of normal business hours.
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 holiday, referral, and performance‑based bonuses)
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
Equality and Diversity Statement Mercury Insurance is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.
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