Sr. Property Claims Adjuster

Mutual Of Enumclaw Insurance Holding Company; Montana; On-site; USD 84,000 - 105,000; Full time

Job summary

Mutual of Enumclaw Insurance Holding Company in Montana is seeking a Sr. Property Claims Adjuster to determine coverage, investigate, negotiate, and resolve moderate complex property claims.

This field role requires MT residence and Pacific Standard Time business hours, with potential after-hours duty and travel as needed. Candidates should have 5–7 years of property claims experience, strong knowledge of policy/regulatory environments, and proficiency in Xactimate and XactAnalysis, plus

Qualifications

• Knowledge of insurance policies and regulatory environments.
• History of inquisitive claims investigations.
• Proficiency with MS Office and claims software incl. Xactimate/XactAnalysis.
• Ability to create accurate reconstruction cost estimates with stakeholders.
• Strong written and verbal communication; problem-solving.
• Resilient and adaptable in a demanding environment.

Responsibilities

• Provide ethical, responsive, personal, and efficient claims service.
• Adjust personal, farm, and commercial property claims within Montana.
• Interact with policyholders, agents, contractors, and vendors to resolve claims.
• Manage workload while maintaining quality and timeliness.
• Refer claims for subrogation and fraud potential.
• Conduct field or desk investigations and inspections.
• May require after-hours duty.

Skills

Knowledge of insurance policies andreg

Investigations in claims

MS Office & claims software

Xactimate

XactAnalysis

Reconstruction cost estimates

Communication skills

Resilience in changing environments

Education

Bachelor’s degree or equivalent experience

Insurance designations preferred

Tools

Xactimate

XactAnalysis

Job description

Overview

Founded in 1898, Mutual of Enumclaw is a people-first insurer rooted in community, recognized as Washington’s Best Company to Work For for the 14th consecutive year, and proudly serving individuals, families, farms, and businesses through local independent agents across the West.

The Sr. Property Claims Adjuster reports to a Property Claims Supervisor. The primary function of this role is to determine coverage, investigate, evaluate, negotiate, and resolve moderate complex property insurance claims.

Location: This is a Field role, and candidates MUST be located in the state of Montana. Candidates must be able to work during our core Pacific Standard Time (PST) business hours and must have high-speed internet (internet speed test required).

Hiring Range:$83,805 - $94,124*

Salary Range:$83,805 - $105,011

*The Hiring Range represents Mutual of Enumclaw’s current hiring pay scale for this role. Mutual of Enumclaw reserves the right to modify or update this range at any time. Exact compensation may vary based on skills and experience. Compensation is only one part of our entire total rewards package. To see some of the benefits and perks we offer,

Responsibilities

• Provide Ethical, Responsive, Personal, and Efficient claims service
• Apply a strategic approach to adjusting personal, farm, and commercial lines property claims within the state of Montana.
• Interact with policyholders, agents, contractors, independent adjusters, and other vendors/partners to facilitate accurate, prompt claims resolution.
• Effectively manage workload while maintaining focus on claims quality and timely customer service.
• Recognize and refer claims for subrogation and fraud potential.
• Conduct field or desk investigations and inspections of damaged property; direct service providers in such activity with an emphasis on completing fieldwork and structural claim resolution while on-site or virtually.
• May require after-hours duty/availability.

Qualifications

Required Skills and Abilities:

• Knowledge of insurance policies and regulatory environments.
• A demonstrated history of highly inquisitive claims investigations.
• Proficient with Microsoft Office products and claims-related software programs, including Xactimate and XactAnalysis.
• Ability to individually create accurate reconstruction and rebuilding estimates and obtain agreement on repair costs and timeline from appropriate stakeholders.
• Strong written and verbal communication skills, including conflict resolution and problem-solving.
• Resilient and adaptable in a demanding and changing environment.

Education and Experience:

• Bachelor’s preferred or equivalent business/industry experience.
• Insurance industry designation(s)/certification(s) preferred.
• 5-7 years of insurance property field claims adjusting experience.

Physical Requirements:

• Must be able to climb ladders to perform inspections of damaged structures.
• Must be able to negotiate steep stairs and roofs.
• Must be able to lift 25lbs.
• Must be able to drive long distances.
• Prolonged periods of sitting at a desk and working on a computer, including video conferencing.