Large Loss Adjuster

Horace Mann; United States; Remote; USD 77,000 - 106,000; Full time

Job summary

Horace Mann seeks an experienced Large Loss Adjuster to manage high-exposure homeowner property claims, including complex and litigated files. Requires advanced investigative, negotiation, and policy-interpretation skills with strong Xactimate expertise.

The ideal candidate will conduct on-site inspections, coordinate with vendors and claimants, and manage ALE periods while ensuring timely, fair resolutions. State adjuster licenses and travel may be required, with salary range posted.

Qualifications

• 6+ years? dwelling estimating experience preferred.
• Experience handling homeowner property losses of $50,000 or greater.
• Strong claims and business acumen with litigation experience.
• Advanced knowledge of homeowner policy interpretation and coverage analysis.
• Demonstrated Xactimate expertise; Level 3 certification encouraged.
• Ability to work with vendors on damage determination and estimates reconciliation.

Responsibilities

• Manage and investigate large loss and high-exposure homeowner claims, including litigation files.
• Verify coverage, interpret policy language, and determine liability and scope of damages.
• Evaluate claim facts and damage estimates to move claims toward timely resolution.
• Apply homeowners policy knowledge and jurisdictional documents to assigned claims.
• Conduct on-site inspections to evaluate damages and loss exposure.
• Negotiate settlements with insureds, attorneys, and public adjusters per company practices.

Skills

Dwelling estimating

Litigation experience

Policy interpretation

Xactimate proficiency

Negotiation skills

Communication

Tools

Xactimate

Job description

Horace Mann is seeking an experienced and technically skilled Large Loss Adjuster to manage high-exposure homeowner property claims, including complex and litigated files. This role requires advanced investigative expertise, strong negotiation skills, and the ability to handle significant financial exposures while delivering exceptional service to policyholders and business partners.

The ideal candidate thrives in complex claim environments, demonstrates strong business acumen, and brings deep knowledge of policy interpretation, dwelling estimating, and litigation management.

Key Responsibilities

• Manage and investigate large loss and high-exposure homeowner claims, including litigation files and claims involving public adjusters and attorneys.
• Verify coverage, interpret policy language, and determine liability and scope of damages.
• Evaluate claim facts and damage estimates to move claims toward appropriate and timely resolution.
• Apply in-depth knowledge of homeowners policies and jurisdictional documents to assigned claims.

Investigation & Damage Assessment

• Conduct on-site inspections as needed to evaluate damages and determine loss exposure.
• Investigate origin and cause of high-exposure claims, coordinating with insureds, claimants, agents, attorneys, contractors, experts, Special Investigation Unit (SIU), public officials, and other adjusters.
• Identify prior losses and recognize potential environmental exposures.
• Reconcile contractor and mitigation estimates and collaborate with vendors to determine appropriate damage valuations.
• Demonstrate advanced proficiency in Xactimate, including preparation of large loss and total loss estimates (Level 3 certification encouraged).
• Negotiate settlements with insureds, attorneys, and public adjusters in accordance with company best practices.
• Manage period of restoration for ALE (Additional Living Expense) and Loss of Rent claims.
• Interpret and apply policies, leases, by-laws, declarations, and contract coverages as they apply to all parties involved.
• Maintain transparent and timely communication with all stakeholders throughout the claim lifecycle.

Catastrophe & Collaboration

• Provide assistance during catastrophe events as needed.
• Participate in special projects and consult on process improvement initiatives.
• Actively engage in mentoring and training of other claims professionals.

Qualifications & Experience

• 5–7 years of dwelling estimating experience preferred, with demonstrated sustained technical performance.
• Proven experience handling homeowner property losses of $50,000 or greater.
• Strong claims and business acumen with litigation experience.
• Advanced knowledge of homeowner policy interpretation and coverage analysis.
• Demonstrated Xactimate expertise; encouraged to pursue Level 3 certification.
• Ability to work effectively with vendors regarding damage determination and estimate reconciliation.
• Ability to operate in a fast-paced, customer-focused environment using claims systems and telephony platforms.
• Maintain and obtain required state adjuster licenses; ability to comply with all jurisdictional regulatory requirements.
• Strong communication, negotiation, analytical, and decision-making skills.

Additional Information

• Must obtain and maintain required state adjuster licenses.
• Periodic travel may be required for inspections or catastrophe support.

Salary Range

$76,600.00 - $106,450.00 + bonus

Salary is commensurate to experience, location, etc.

Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. And with our broadened mission has come corporate growth: We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets.

We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators.

EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Horace Mann ’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

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