Property Field Claims Adjuster

Job Description

Job Description

As a  Property Field Claims Adjuster with Rural Mutual Insurance, you’ll be the trusted expert who helps Wisconsin policyholders recover from unexpected property damage. You’ll inspect residential, commercial, and farm sites, determine coverage, and negotiate fair settlements.   

The ideal candidate combines strong technical and analytical skills with empathy, sound judgment, and a commitment to providing excellent customer experience. This position offers considerable independence, with support from an experienced claims team.  

This hybrid role is a home-based field position . The adjuster will begin and end the workday from their home office and travel regularly to inspect properties and meet with insureds throughout an assigned territory in Northeast Wisconsin. Regular travel within the territory is an essential function of the position. The final territory may be adjusted based on the selected candidate’s home location, qualifications, claim volume, and business needs. A company vehicle is provided in accordance with company policy.  

This is an opportunity to build trusted relationships with Wisconsin policyholders while handling a diverse range of residential, commercial, and farm property claims. You will have the independence of a home-based field position, the resources of an established insurance organization, and the opportunity to make a meaningful difference for customers during challenging circumstances.  

At Rural Mutual, we are dedicated to fostering a supportive and collaborative work environment. We offer a comprehensive compensation package, including health, dental, and vision insurance, a matching 401(k), and generous time off. Our commitment to career growth is unwavering, and we take pride in our A+ AM Best financial strength rating, earning a spot on Ward’s Top 50 Property & Casualty insurance companies in the United States, and recognition as a Madison Magazine Best Place to Work. Rural Mutual is an Equal Opportunity Employer. 

$65,000 - $80,000 yearly

• Conduct on-site inspections of property damage resulting from incidents such as fires, floods, storms, or accidents.
• Analyze insurance policies and claim documentation to determine coverage, liability, and appropriate settlement amounts.
• Prepare comprehensive reports including photographs, measurements, and repair estimates; maintain accurate and organized claim records.
• Communicate empathetically and professionally with policyholders and stakeholders, providing clear guidance throughout the claims process.
• Negotiate fair and timely settlements with policyholders, contractors, and third parties, ensuring transparency around coverage terms and deductibles.
• Collaborate with internal departments—including underwriting, legal, and agency teams—to ensure accurate claim evaluations and policy compliance.
• Stay informed on current insurance laws, regulations, and industry standards to ensure all claims handling aligns with company and legal guidelines.
• Perform additional duties and support special projects as assigned.

• Minimum of three years of experience as a Property Adjuster, preferably in a field-based role.

• Bachelor's degree in a relevant field, such as insurance, risk management, or construction, or equivalent work experience.

• Familiarity with property insurance policies, claim investigation techniques, and industry-standard software for documenting and estimating.

• Solid understanding of construction principles and building materials.

• Strong analytical and problem-solving abilities to assess property damage accurately, evaluate coverage, and negotiate settlements effectively.

• Excellent verbal and written communication skills to interact with policyholders, claimants, and internal stakeholders. Ability to explain complex concepts in a clear and concise manner.

• Strong customer service skills with a focus on providing a positive experience to policyholders throughout the claims process. Ability to handle challenging conversations and demonstrate empathy when dealing with individuals who have experienced property damage.

• Exceptional organizational and time management skills to handle multiple claims simultaneously, meet deadlines, and maintain accurate documentation.

• Valid Driver’s License.

• Ability to perform the physical requirements of the job, such as climbing ladders, walking on roofs, working inside collapsed/burnt structures, walking on uneven terrain, etc.

Preferred Qualifications:

• Prior experience working with cause and origin experts.

• Experience in handling recovery processes, including subrogation, contribution, and salvage.

• Familiarity with multi-line claims adjusting.

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees. 

We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits. Rural Mutual is an Equal Opportunity employer.