Senior Large-Loss Home Claims Adjuster

Horace Mann; United States; Remote; USD 70,000 - 95,000; Full time

Job summary

Horace Mann in the United States is seeking an experienced homeowner claims adjuster to manage large loss and high-exposure files, including litigated cases.

You will verify coverage, interpret policy language, conduct on-site inspections, and use Xactimate to prepare estimates. Level 3 certification is encouraged.

The role requires 5–7 years of dwelling estimating experience and state adjuster licenses; strong negotiation and analytical skills are essential.

Qualifications

• 5–7 years of dwelling estimating experience required.
• Proven handling of losses $50,000+.
• State adjuster licenses required.
• Level 3 certification encouraged.

Responsibilities

• Manage and investigate large loss and high-exposure homeowner claims, including litigated files.
• Verify coverage, interpret policy language, and determine liability and scope of damages.
• Conduct on-site inspections to evaluate damages and determine loss exposure.
• Use Xactimate to prepare large loss and total loss estimates; Level 3 certification encouraged.
• Negotiate settlements with insureds, attorneys, and public adjusters.
• Manage period of restoration for ALE and Loss of Rent claims.

Skills

Negotiation

Analytical skills

Communication

Claims handling

Education

State adjuster license

Tools

Xactimate

Job description

Horace Mann in the United States is seeking an experienced homeowner claims adjuster to manage large loss and high-exposure files, including litigated cases.

You will verify coverage, interpret policy language, conduct on-site inspections, and use Xactimate to prepare estimates. Level 3 certification is encouraged.

The role requires 5–7 years of dwelling estimating experience and state adjuster licenses; strong negotiation and analytical skills are essential.