Property Claims Field Adjuster, Home-based

Job Description Help Wisconsin policyholders move forward after unexpected property damage. As a Property Field Claims Adjuster with Rural Mutual Insurance, you’ll investigate residential, commercial, and farm property claims, inspect damaged properties, evaluate coverage, prepare estimates, and work toward fair and timely resolutions.

This is a home-based field position serving Dane, Grant, Green, Iowa, and Lafayette counties . Candidates may live anywhere within or near the territory, provided they can travel regularly throughout all five counties. You’ll generally begin and end your workday from your home office.

Regular travel throughout the territory is required, with occasional overnight travel within Wisconsin during catastrophe events. A company vehicle is provided in accordance with company policy.

The ideal candidate combines property claims knowledge and analytical ability with sound judgment, empathy, and strong customer service. You’ll have the independence to manage your territory and workload, along with support from an experienced claims team.

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.
Visit claim sites to inspect and assess property damage caused by incidents such as fires, floods, storms, or accidents. Gather all necessary information and document the extent of the damage accurately.
Analyze insurance policies, review claim forms, and investigate the circumstances surrounding the loss to determine the coverage and liability. Assess the extent of property damage and calculate the appropriate settlement amount.
Prepare detailed reports documenting findings, including photographs, measurements, and estimated repair costs. Maintain accurate records of all communication, transactions, and relevant documentation throughout the claims process.
Address questions, concerns, and guide the claims process, coverage, and settlement procedures.
Engage in negotiations with policyholders, contractors, and third-party claimants to reach a fair settlement agreement. Collaborate with other departments, such as underwriters, legal, and agents, to ensure accurate assessment of claims and compliance with company policies and procedures.
Stay updated on relevant laws, regulations, and industry standards related to property insurance claims. Bachelor's degree in a relevant field, such as insurance, risk management, or construction, or equivalent work experience.
Minimum of three years of experience as a Property Adjuster, preferably in a field-based role. 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.
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.
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.

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 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.