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Mercury Insurance · 3 weeks ago

Large Loss Property Adjuster- Field ($10,000 sign on bonus)

Phoenix, AZ

Full-time

Hybrid

Mid, Senior Level

$92K/yr - $166K/yr

6+ years exp

Mercury Insurance is recognized for its achievements and culture, including being named one of America's Best Midsize Employers for 2025. The Property Large Loss Adjuster will investigate, evaluate, and settle complex Homeowner's property claims while providing exceptional service to customers.

Insurance

Responsibilities

Investigate complex Homeowners claims to confirm facts, origin and cause of loss

Address and handle ALL exposures of the claim, including Dwelling, Other Structures, Contents, Loss of Use (Homeowner), or Building, Business Personal Property, Business Interruption (Commercial). Investigation may include scene inspection, recorded interview with policyholder, or use of appropriate experts

Compare facts gathered during the investigation against policy to determine coverage of claim, extend or deny coverage as appropriate

Inspect and determine extent of damages, and document with photographs, measurements, repair estimate, and thorough log notes

Establish reserve amounts within prescribed settlement authority limit and negotiates settlement of claims; recommends claims which exceed personal authority limit to supervisor for approval

Maintain claims on a regular diary to monitor unresolved issues and exposures. Regularly monitor progress and expense of ongoing claims

Throughout entire claim handling process, ensure exceptional service is provided to customers. This includes timely response to phone calls, emails, written communication, and adherence to Department of Insurance requirements

Directs, monitors, and reviews files handled by independent adjusters to conclusion

Assists in training property personnel

Other functions may be assigned

Qualification

Property evaluationXactimate proficiencyField inspectionsMathematical skillsConstruction knowledgeAnalytical abilityDecision qualityInterpersonal savvyWritten communicationVerbal communicationOrganizational skillsCustomer focusTime management

Required

Bachelor's degree preferred or equivalent combination of education and experience

6 - 10 years of equivalent industry experience is preferred

Custodial use of a Company vehicle is provided; must meet established Company standards regarding personal driving history and current license status to be eligible for this position

A good working knowledge of office & business computer applications

Proficient mathematical skills to compute cost of damage and repair

Ability to perform field inspections at least 50% of work time (company car provided) to conduct detailed inspections of residential properties and write a damage estimate

Ability to use advanced video technology to collaborate with onsite vendors and insureds to identify damage and write a damage estimate from a virtual setting when needed

Ability to settle large homeowners claims involving complex structure losses as a result of fire, water, wind/hail, etc

Technical knowledge of and proficiency in property evaluation, estimation, and Xactimate

A strong working knowledge of construction nomenclature and procedures

Written and verbal communication skills to effectively and professionally interact with internal and external customers, vendors and other third parties

Ability to adhere to established Company policies and procedures within claims operations

Critical attention to detail and excellent organizational skills

Analytical ability necessary to analyze, interpret and evaluate relevant information