Senior Adjuster, Property Claims

Heartland Farm Mutual Inc.; Kitchener; Hybrid; CAD 68,000 - 102,000; Full time

Job summary

Heartland Farm Mutual Inc. in Canada seeks a Senior Adjuster, Property Claims to handle complex and high-severity property claims across residential, commercial, and structural losses.

You will lead investigations, review engineer reports, and provide mentorship during CAT surge while ensuring coverage accuracy and defensible outcomes. The role requires 5-7 years of progressive property claims experience, CIP or FCIP assets, strong construction knowledge, and proficiency in Guidewire, Xactimate

Qualifications

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

Responsibilities

• 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, 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.

Skills

Property claims

CAT experience

Mentorship

Negotiation

Analytical skills

Written communication

Education

Chartered Insurance Professional (CIP)

FCIP (Fellowship)

Tools

Guidewire

Xactimate

MS Office

Job description

Senior Adjuster, Property Claims

The Senior Adjuster, Property Claims, is responsible for the handling of complex and high-severity property claims, including large residential, commercial, and structural losses. Operating within Heartlands 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 for team members, providing mentorship, quality assurance feedback, and support during CAT surge activity.

What you'll do...

• 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, 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) or; 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.