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Are you an experienced Property Field Claims Adjuster who is driven to serve insureds with empathy and expertise? As a Property Field Claims Adjuster at Rural Mutual, your primary role will involve going onsite to investigate and assess property damage claims lodged by policyholders. You will focus on a variety of properties, including residential, commercial, and farm buildings. Your duties will include analyzing the extent of damage, verifying coverage, and negotiating settlements with insured individuals and third-party claimants.

This remote position balances time between your home office and travel to policy holder sites. The ideal candidate manages their time well, documents thoroughly, and enjoys interacting with a wide variety of people. It includes benefits such as a company vehicle, cell phone, and computer equipment. Your territory encompasses South Central, WI - primarily Dane, Sauk, and Columbia Counties

At Rural Mutual Insurance, we offer a supportive work environment, career growth opportunities, and a comprehensive compensation package that includes health, dental, and vision insurance, a matching 401(k), and generous time off. We’ve earned consistent recognition as a Madison Magazine Best Places to Work, and an A+ AM Best financial strength rating. If you're ready to be part of a team that values your expertise and encourages your professional growth, apply today!

$65,000 - $85,000 yearly based on experience

• Visit claim sites to inspect and assess property damage caused by incidents such as fires, floods, storms, or accidents. Gather all necessary information and document the extent of the damage accurately.
• Analyze insurance policies, review claim forms, and investigate the circumstances surrounding the loss to determine the coverage and liability. Assess the extent of property damage and calculate the appropriate settlement amount.
• Prepare detailed reports documenting findings, including photographs, measurements, and estimated repair costs. Maintain accurate records of all communication, transactions, and relevant documentation throughout the claims process.
• Interact with policyholders, claimants, and other stakeholders in a professional and empathetic manner. Address questions, concerns, and provide guidance on the claims process, coverage, and settlement procedures.
• Engage in negotiations with policyholders, contractors, and third-party claimants to reach a fair settlement agreement. Clearly explain the settlement offer, including the coverage limitations and applicable deductibles.
• Collaborate with other departments, such as underwriters, legal, and agents, to ensure accurate assessment of claims and compliance with company policies and procedures.
• Stay updated on relevant laws, regulations, and industry standards related to property insurance claims. Ensure compliance with all applicable guidelines and procedures.
• Other duties as assigned.

• Bachelor's degree in a relevant field, such as insurance, risk management, or construction or equivalent work experience may be considered.
• Minimum of three years of experience as a Property Adjuster, preferably in a field-based role. Familiarity with property insurance policies, claim investigation techniques, and industry-standard software for documenting and estimating.
• Solid understanding of construction principles and building materials.
• Strong analytical and problem-solving abilities to assess property damage accurately, evaluate coverage, and negotiate settlements effectively.
• Excellent verbal and written communication skills to interact with policyholders, claimants, and internal stakeholders. Ability to explain complex concepts in a clear and concise manner.
• Strong customer service skills with a focus on providing a positive experience to policyholders throughout the claims process. Ability to handle challenging conversations and demonstrate empathy when dealing with individuals who have experienced property damage.
• Exceptional organizational and time management skills to handle multiple claims simultaneously, meet deadlines, and maintain accurate documentation.
• Valid driver’s license.
• Ability to perform the physical requirements of the job, such as climbing ladders, walking on roofs, working inside collapsed/burnt structures, walking on uneven terrain, etc.

Preferred Qualifications:

• Prior experience working with cause and origin experts.
• Experience in handling recovery processes, including subrogation, contribution, and salvage.
• Familiarity with multi-line claims adjusting.
• HAAG Certification.

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees.

We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits.