Senior Adjuster, Property Claims

Heartland Mutual Insurance; Kitchener; On-site; CAD 68,000 - 102,000; Full time

Benefits offered by this job

Health benefits

Pension plan

Paid time off

Job summary

Heartland Mutual Insurance, rooted in Ontario and Nova Scotia, seeks a Senior Adjuster for Property Claims to lead complex losses and mentor teammates. You will manage large residential, commercial, and structural claims with oversight on coverage and defensibility.

The ideal candidate has 5–7 years of progressive property claims experience and a CIP designation; FCIP is a plus. The role offers a competitive base salary and a comprehensive total rewards package.

Qualifications

• 5–7 years of progressive property claims adjusting experience, including exposure to large loss or structural claims.

Responsibilities

• Manage complex and high-severity property claims, including large residential, commercial, and structural losses.
• Lead file investigations from first notice through resolution, ensuring coverage accuracy and defensibility.
• Review and validate engineer reports, cost consultant estimates, and contractor scopes for accuracy and compliance.
• Act as a technical resource for junior adjusters, providing mentorship and escalation support.
• Maintain exceptional communication with insureds, brokers, and vendors throughout the claim lifecycle.
• Participate in catastrophe (CAT) response planning and surge handling.

Skills

Complex claims handling

Mentoring teammates

Analytical

Negotiation

Written communication

Education

Chartered Insurance Professional (CIP)

Fellowship (FCIP)

Tools

Guidewire

Xactimate

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.

Senior Adjuster, Property Claims

The Senior Adjuster, Property Claims, is responsible for the expert handling of complex and high-severity property claims, including large residential, commercial, and structural losses. Operating within Heartland’s Property Core cluster, this role ensures fair, defensible, and timely resolution of claims through advanced technical assessment, vendor oversight, and comprehensive coverage analysis. The Senior Inside Adjuster acts as a technical resource and escalation point for junior team members, providing mentorship, quality assurance feedback, and support during CAT surge activity.

What You'll Do...

• Manage complex and high-severity property claims, including large residential, commercial, and structural losses.
• Lead file investigations from first notice through resolution, ensuring coverage accuracy, defensibility, and fair outcomes.
• Review and validate engineer reports, cost consultant estimates, and contractor scopes for accuracy and compliance.
• Act as a technical resource for junior adjusters, providing mentorship, guidance, and file escalation support.
• Maintain exceptional communication with insureds, brokers, and vendors throughout the claim lifecycle.
• Participate in catastrophe (CAT) response planning, surge handling, and post-event evaluations.
• Support continuous improvement initiatives tied to quality, efficiency, and defensibility.

What You'll Bring...

• 5–7 years of progressive property claims adjusting experience, including exposure to large loss or structural claims.
• Chartered Insurance Professional (CIP) designation required; Fellowship (FCIP) considered an asset.
• Strong understanding of construction principles, policy wording interpretation, and technical estimate review.
• Demonstrated ability to mentor peers and handle high-complexity files with minimal oversight.
• Excellent analytical, negotiation, and written communication skills.
• Proficiency in claims management systems (Guidewire), Microsoft Office, and Xactimate.

The salary range for this role is $68,000 - $102,000. 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.