Adjuster Level 1, Property Claims

Heartland Mutual Insurance; Kitchener; On-site; CAD 50,000 - 75,000; Full time

Benefits offered by this job

Competitive compensation

Health benefits

Pension plan

Paid time off

Bonus opportunity

Job summary

Heartland Mutual Insurance is seeking an Adjuster I, Property Claims, to manage desk-based property claims from first notice of loss to resolution. You’ll work with appraisers, independent adjusters, and vendors to scope, quantify, and settle losses for residential, commercial, and farm properties.

Ideal candidates have 0-2 years property claims experience or 1-3 years Auto experience, post-secondary education in Insurance, and are working toward CIP designation.

Qualifications

• 0-2 years of property claims experience or 1-3 years Auto experience.
• Post-secondary education in Insurance, or related field; CIP designation is an asset.

Responsibilities

• Handle a caseload of desk-assigned property claims, from minor to moderately complex.
• Investigate cause of loss, determine coverage, assess damages, coordinate repairs and final resolution.
• Review estimates from Appraisers and Independent Adjusters for accuracy and policy alignment.
• Identify potential subrogation opportunities and refer to Recovery team when appropriate.
• Collaborate with appraisal team, restoration vendors, and contractors to ensure timely scope and repairs.
• Maintain thorough claim documentation and ensure regulatory compliance.

Skills

Investigative

Analytical

Communication

Multi-file management

Teamwork

Education

Post-secondary Insurance field

CIP designation in progress

Tools

Claims management software

Microsoft Office

Job description

At Heartland Mutual Insurance, we’re more than just a company — we’re a community.

Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.

Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.

The Adjuster I, Property Claims, is responsible for managing property damage claims from first notice of loss to resolution. This role primarily handles desk-based claims ranging from entry-level losses to intermediate severity, including significant damage to residential, commercial, and farm properties. The Adjuster I collaborates with Independent Adjusters, Appraisers, and restoration vendors to ensure accurate scoping, quantification, and resolution of damages. The role also requires thorough investigation into the cause of loss to determine coverage and proactively identify subrogation opportunities for referral to the Recovery team.

Job Specific Accountabilities - Key Responsibility Areas (KRA’s)

What You Will Do...

Property Claims Handling:

• Handle a caseload of desk-assigned property claims, ranging from minor damage to moderately complex losses requiring third-party input.
• Investigate cause of loss, determine coverage, assess damages, and coordinate repair and resolution plans.
• Review estimates provided by Appraisers and Independent Adjusters, ensuring accuracy and alignment with policy terms.

Subrogation Identification And Referral

• Investigate liability and third-party involvement in assigned losses.
• Identify potential recovery opportunities and refer qualified files to the Recovery Specialist for subrogation action.

Vendor And Stakeholder Collaboration

• Work closely with the Appraisal team, restoration vendors, and contractors to ensure timely and accurate scope of work and repairs.
• Maintain professional communication with policyholders, brokers, Agents, and the Direct Sales Center to provide updates and guidance throughout the claim process.

File Documentation And Regulatory Compliance

• Maintain thorough, accurate claim documentation and timely updates in the claims system.
• Ensure all handling practices adhere to regulatory guidelines, privacy laws, and company standards.

Reserve And Settlement Management

• Set and update accurate reserves based on file investigation and exposure.
• Negotiate fair settlements in line with policy coverage and repair validation.

CAT Response Support

• Support catastrophe (CAT) claims during surge periods by triaging incoming losses and managing related desk claims.
• Participate in CAT readiness initiatives, contributing to planning and post-event evaluations.

Training And Development

• Engage in ongoing technical training and development programs to build subject matter expertise in property claims.
• Participate in QA initiatives and implement feedback received from Quality Assurance and Training Leads.

What You Will Bring...

Education & Experience:

• 0-2 years of property claims experience or 1-3 years Auto experience.
• Post-secondary education in Insurance, or related field; working toward CIP designation is an asset.

Technical Skills & Knowledge

• Knowledge of property damage assessment, policy interpretation, and vendor collaboration practices.
• Proficiency in claims management software Artificial Intelligence and Microsoft Office tools.

Competencies

• Strong investigative, analytical, and problem-solving abilities.
• Clear and professional communication skills.
• Customer-first mindset with a commitment to quality and responsiveness.
• Ability to manage multiple files and deadlines effectively in a high-volume environment.
• Team-oriented, with a willingness to collaborate and continuously improve.

The salary range for this role is $50,000 - $75,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.

What’s In It For You

• A Supportive Team: We’re not just a workplace, we’re a community. We are small but mighty, we believe in the power of connection, purpose, and belonging.
• Comprehensive Total Rewards: Enjoy a competitive compensation package made up of base salary and bonus, health and wellness benefits, pension plan, paid time off, and so much more.
• Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
• Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
• Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.

This job posting is for an existing vacancy within Heartland.

Accommodation is available on request for candidates taking part in all aspects of the selection process.

We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure fairness and transparency.

At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future, we've got you covered.