Freelance Insurance Field Photographer Jobs in Riverside, CA

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 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.

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)

In CA: Typical hiring range is $81,341 to $99,416

The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.

• 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. 

• Ability to perform field inspections at least 50% of work time. (company car provided) This will involve travelling to our customers’ home to conduct on-site inspections, thoroughly investigate coverage and prepare detailed estimate to efficiently resolve their claims.

• Ability to handle virtual claims. Must have ability to use imagery, and advanced video technology to collaborate with onsite 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.

• Establishes reserve amounts within prescribed settlement authority limit and negotiates settlement of claims; recommends claims which exceed personal authority limit to supervisor for approval. 

• Responsible for effectively and timely communicating with insureds and /or their representatives to resolve issues and ensure customer satisfaction. This includes timely response to phone calls, emails, texts, written communication, and adherence to Department of Insurance requirements.

• Prioritizes own responsibilities and effectively manages claims workload to regularly monitor progress and expenses to properly resolve inventory to conclusion.

• At times may direct, monitor, and review files handled by independent adjusters to conclusion.

• Other functions may be assigned

Education:

• 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:

• Have prior experience using estimating software like Xactimate. 

• Experience in a related field: property claims experience, customer service environment, construction, restoration, mitigation

• Are known for clear and professional communication, both written and verbal

• Are bilingual and/or have prior military experience is a plus

• 1-3 years equivalent industry experience is preferred

Knowledge and Skills:

As a Property Claims Field Adjuster 1, you will:

• Possess the ability to work independently with limited or no supervision over daily activities required to successfully investigate, evaluate, write damage estimates, negotiate, and resolve property claims 

• Have a passion for outstanding customer service 

• Make quality decisions based upon a mixture of analysis, wisdom, experience, and judgment, including the ability to negotiate.

• Be comfortable with and adaptable to new technology and business tools

• Be able to seamlessly transition between various methods of inspection, including physical, video, or photo, to write a damage estimate:

o May include climbing ladders to inspect roofing or attic space and inspection of crawl spaces.

o Ability to lift and carry up to 50 pounds.

• Possess strong organizational, time management, and prioritization skills to handle varying workloads due to seasonal volume changes and catastrophes.

• Be able and willing to work flexible work shifts and may be asked to work overtime, as needs arise.

• Drive to and from multiple locations and occasionally outside of normal business hours.