Remote Property Claims Adjuster II – Complex Dwelling

Horace Mann; Springfield (IL); Remote; USD 57,000 - 79,000; Full time

Benefits offered by this job

Bonus potential

Remote work

Job summary

Horace Mann is seeking a Property Claims Adjuster II to investigate, evaluate, and resolve complex dwelling losses with empathy and professionalism. This fully remote role requires handling fire, theft, and catastrophe claims, validating coverages, and negotiating settlements.

Training begins January 11, 2027, with a pay range of $57,500–$79,100 plus bonus. Ideal candidates will have 2+ years of property claims experience, knowledge of homeowner policies, and a Level 2 Xactimate certification or

Qualifications

• 2+ years of property claims experience.
• Experience handling complex dwelling losses.
• Proficiency in homeowner policies, claims practices, and industry standards.
• State adjuster licenses maintained.
• Level 2 Xactimate certification or equivalent experience.
• Strong communication and analytical skills.

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 with the Special Investigative Unit (SIU).
• Apply knowledge of repair methods and industry products to evaluate damages.
• Develop detailed damage estimates using Xactimate, including sketching and updates.
• 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.
• Handle claims involving Public Adjusters and attorney representation with oversight.

Skills

Customer service

Attention to detail

Communication skills

Problem solving

Team collaboration

Education

High school diploma or GED

Bachelor's degree preferred

Tools

Xactimate

Job description

Horace Mann is seeking a Property Claims Adjuster II to investigate, evaluate, and resolve complex dwelling losses with empathy and professionalism. This fully remote role requires handling fire, theft, and catastrophe claims, validating coverages, and negotiating settlements.

Training begins January 11, 2027, with a pay range of $57,500–$79,100 plus bonus. Ideal candidates will have 2+ years of property claims experience, knowledge of homeowner policies, and a Level 2 Xactimate certification or