Sr. Property Claims Adjuster

Mutual of Enumclaw; Washington; On-site; USD 84,000 - 94,000; Full time

Job summary

Mutual of Enumclaw Insurance Company in Washington seeks a Sr. Property Claims Adjuster to investigate, evaluate, negotiate and resolve moderately complex property claims. This field role reports to a Property Claims Supervisor and requires in-state residency with Pacific Time hours and reliable internet.

You will handle personal, farm, and commercial property claims across Washington, using strong regulatory knowledge and analytical skills to deliver fair outcomes and timely service.

Qualifications

• 5–7 years of property field claims adjusting experience.
• Bachelor’s degree or equivalent business/industry experience.
• Strong knowledge of insurance policies and regulatory requirements.
• History of thorough, inquisitive claims investigations.
• Ability to build accurate reconstruction estimates and gain stakeholder agreement.
• Proficiency with Xactimate, XactAnalysis, Microsoft Office, and claims software.
• Strong communication, conflict resolution and problem-solving skills.
• Resilience and adaptability in a fast-changing environment.
• Insurance designations or certifications are a plus.

Responsibilities

• Adjust personal, farm, and commercial property claims across Washington with a strategic, customer-first approach.
• Determine coverage and conduct field or desk investigations and inspections of damaged property.
• Resolve structural claims on-site or virtually whenever possible, and direct service providers in the field.
• Work with policyholders, agents, contractors, independent adjusters, and vendors to reach accurate, prompt resolutions.
• Manage your workload while keeping claims quality and timely service front and center.
• Spot and refer claims with subrogation or fraud potential.
• Provide ethical, responsive, personal, and efficient service on every claim.
• Be available after hours when needed.

Skills

Communication

Conflict resolution

Problem solving

Education

Bachelor's degree or equivalent

Tools

Xactimate

XactAnalysis

Microsoft Office

Claims software

Job description

When a windstorm, wildfire, or ice storm hits a Washington home, farm, or business, the adjuster who shows up matters. We're looking for that person to join our team at Mutual of Enumclaw as a Sr. Property Claims Adjuster.

Since 1898, MOE has protected the lives and livelihoods of Northwest homeowners, families, farmers, and business owners, and claims are where that promise gets kept. In this role, you’ll report to a Property Claims Supervisor, and you’ll investigate, evaluate, negotiate, and resolve moderately complex property claims across Washington, leading with empathy and performing with expertise.

LOCATION

This is a field role based in Washington, so we’re looking for someone who calls Washington home. You’ll also need to work during our core Pacific Time business hours and have high-speed internet (a speed test is required).

WHAT YOU’LL DO

• Adjust personal, farm, and commercial property claims across Washington with a strategic, customer-first approach
• Determine coverage and conduct field or desk investigations and inspections of damaged property
• Resolve structural claims on-site or virtually whenever possible, and direct service providers in the field
• Work with policyholders, agents, contractors, independent adjusters, and vendors to reach accurate, prompt resolutions
• Manage your workload while keeping claims quality and timely service front and center
• Spot and refer claims with subrogation or fraud potential
• Provide ethical, responsive, personal, and efficient service on every claim
• Be available after hours when needed

WHAT YOU BRING

• 5 to 7 years of property field claims adjusting experience
• A bachelor’s degree or equivalent business or industry experience
• Strong knowledge of insurance policies and regulatory requirements
• A history of thorough, inquisitive claims investigations
• The ability to build accurate reconstruction and rebuilding estimates on your own and get stakeholders to agree on repair costs and timelines
• Proficiency with Xactimate, XactAnalysis, Microsoft Office, and claims software
• Strong communication, conflict resolution, and problem-solving skills
• Resilience and adaptability in a fast-changing environment
• Insurance designations or certifications are a plus

PHYSICAL REQUIREMENTS

• Climb ladders and navigate steep stairs and roofs to inspect damaged structures
• Lift up to 25 lbs.
• Sit for extended periods at a computer, including on video calls

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, please click here.

Ready to help our Washington insureds recover and rebuild?