Property Claims Adjuster II

Horace Mann Company; Northern (KY); À distance; USD 58 000 - 79 000; Plein temps

Résumé du poste

Horace Mann Company is seeking a skilled Property Claims Adjuster II to investigate, evaluate, and resolve property claims with empathy and precision. This fully remote role supports complex dwelling losses and requires Level 2 Xactimate certification along with strong customer service and communication skills.

The position offers a competitive salary range and a clear path for professional growth, with ongoing collaboration with internal teams to ensure compliant and efficient claims handling.

Qualifications

• 2+ years of property claims experience required.
• Experience handling complex dwelling losses preferred.
• Proficiency with homeowner policies and claims practices.

Responsabilités

• Investigate complex claims involving fire, water, catastrophe, and dwelling losses.
• Evaluate dwelling, unscheduled personal property, and theft claims.
• Verify coverage, determine liability, and assess damages.
• Develop detailed damage estimates using Xactimate (Level 2 cert required).
• Negotiate settlements in line with company practices.
• Collaborate with vendors/contractors and SIU when needed.

Connaissances

Xactimate

Customer service

Communication

Claims investigation

Formation

High School diploma or GED

Bachelor's degree preferred

Outils

Xactimate

Description du poste

At Horace Mann, we are committed to delivering exceptional service to educators and their families when they need it most. We are seeking a skilled and customer-focused Property Claims Adjuster II to investigate, evaluate, and resolve property claims with accuracy, empathy, and professionalism.

This role is ideal for an adjuster who thrives in handling complex dwelling losses, enjoys problem-solving, and is passionate about delivering an outstanding customer experience throughout the claims process. This role is fully remote, and the training class is scheduled for January 11, 2027.

Key Responsibilities

• Investigate complex claims involving fire, water, catastrophe, and other dwelling losses.
• Evaluate claims involving dwelling, unscheduled personal property, and theft events.
• Verify coverage, determine liability, and assess scope of damages.
• Investigate fire and theft cases, partnering closely with the Special Investigative Unit (SIU) when applicable.
• Apply knowledge of repair methods and industry products to evaluate damages accurately.
• Develop detailed damage estimates using Xactimate, including sketching and multiple pricing updates based on industry standards (Level 2 certification required).
• Reconcile contractor and vendor estimates to ensure accurate claim valuation.
• Work with vendors and contractors to support damage assessment and resolution.
• Evaluate claims to determine appropriate value and negotiate settlements in accordance with company best practices.
• Handle claims involving Public Adjusters and attorney representation with appropriate oversight.
• Identify and pursue subrogation and salvage opportunities where applicable.

Customer Experience & Communication

• Provide transparent, timely communication to all parties involved, including policyholders, agents, vendors, and legal representatives.
• Delivering an extraordinary customer experience, reflected in strong claims satisfaction results.
• Act as a mentor within the unit, supporting knowledge sharing and team development.
• Collaborate with internal teams to ensure efficient and compliant claims handling.

Qualifications & Experience

• H.S diploma or GED Required, Bachelor's degree preferred.
• 2+ years of property claims experience required.
• Experience handling complex dwelling losses preferred.
• Strong knowledge of homeowner policies, claims practices, and industry standards.
• Proven ability to handle fire, theft, and catastrophe-related claims.
• Experience working with Public Adjusters and attorney-represented claims preferred.
• Proficiency in Xactimate with Level 2 certification (or equivalent experience).
• Strong understanding of state regulations and compliance requirements.
• Ability to manage multiple claims in a fast-paced environment.
• Maintain required state adjuster licenses.
• Excellent verbal and written communication skills
• Strong analytical and problem-solving abilities
• Customer-focused mindset with a commitment to service excellence
• Attention to detail and accuracy
• Ability to collaborate effectively with internal and external partners

Pay Range

• $57,500 - $79,100.00 annually + bonus

Salary is commensurate to experience, location, etc.

Work location is flexible if approved by the Company except that the position may not be performed remotely from NYC

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.