Property Claims Specialist Field II - CAT/Spikes - Mercury Insurance Services, LLC

Join an amazing team that is consistently recognized for our achievements and culture, including our most recent Forbes award of being one of America's Best Midsize Employer for 2024!

CAT/Spikes Team Position 

**Extended hours may be required during catastrophes or spike claims volume.  Flexibility to travel on short notice, up to 50% of the time, and ability to be on call required.

**if selected for this role, in addition to the 10% added to your base hourly rate you are eligible for while on the CAT/Spike Team, the Company is adding a temporary, incentive of 5% to your base hourly rate, for a total incentive of 15%.  The temporary incentive amount is reviewed annually and the Company reserves the right to abandon, amend or modify the incentive at anytime.

Position Summary:

If you’re passionate about helping people restore their lives when the unexpected happens to their homes and providing the best customer experience, then our Mercury Insurance Property Claims team could be the place for you!

Upon completion of the training program, ideal candidates will transition into a property claims field adjusting position traveling to loss sites that have been damaged by fire, water, weather, or other unexpected events. You may also handle some claims via virtual technology and/or collaborate with vendors. 

The Property Claims Field Adjuster ll will learn apply knowledge of current Company policies, applicable regulatory standards, and procedures to investigate, evaluate and settle moderate Homeowner's property claims in a timely and efficient manner as to prevent unnecessary expense to the Company and policyholders, and provide exceptional service to our customers.

 Essential Job Functions:

• Investigate and resolve Homeowners claims of moderate complexity in a timely and efficient manner. Document with photographs, measurements, recorded interviews as needed, write a repair estimate to capture damages, and complete thorough file notes. 

• Ability to perform field inspections at least 50% of work time. (company car provided) This will involve travelling to our customers’ home to conduct on-site inspections, thoroughly investigate coverage and prepare detailed estimate to efficiently resolve their claims.

• Ability to handle virtual claims. Must have ability to use imagery, and advanced video technology to collaborate with onsite vendors and insureds to identify damage and write damage estimates from a virtual setting when needed.

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

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

• Responsible for effectively and timely communicating with insureds and /or their representatives to resolve issues and ensure customer satisfaction. This includes timely response to phone calls, emails, texts, written communication, and adherence to Department of Insurance requirements.

• Prioritizes own responsibilities and effectively manages claims workload to regularly monitor progress and expenses to properly resolve inventory to conclusion.

• At times may direct, monitor, and review files handled by independent adjusters to conclusion.

• Other functions may be assigned

Education:

• Bachelor’s degree preferred or equivalent combination of education and experience. 

• Valid driver’s license is required.

• Ability to obtain state specific property claims licensing, as required.

• Must successfully participate and complete formal property claims training program that may take place in person, virtually, or a combination of both.

Experience:

• Have prior experience using estimating software like Xactimate. 

• Experience in a related field: property claims experience, customer service environment, construction, restoration, mitigation

• Are known for clear and professional communication, both written and verbal

• Are bilingual and/or have prior military experience is a plus

• 3-5+ years equivalent industry experience is preferred

Knowledge and Skills:

As a Property Claims Field Adjuster 2, you will:

• Possess the ability to work independently with limited or no supervision over daily activities required to successfully investigate, evaluate, write damage estimates, negotiate, and resolve property claims 

• Have a passion for outstanding customer service 

• Make quality decisions based upon a mixture of analysis, wisdom, experience, and judgment, including the ability to negotiate.

• Be comfortable with and adaptable to new technology and business tools

• Be able to seamlessly transition between various methods of inspection, including physical, video, or photo, to write a damage estimate:

o May include climbing ladders to inspect roofing or attic space and inspection of crawl spaces.

o Ability to lift and carry up to 50 pounds.

• Possess strong organizational, time management, and prioritization skills to handle varying workloads due to seasonal volume changes and catastrophes.

• Be able and willing to work flexible work shifts and may be asked to work overtime, as needs arise.

• Drive to and from multiple locations and occasionally outside of normal business hours. 

Why choose a career at Mercury? 

At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance and we can’t imagine a world without it. 

Our team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. 

We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals. 

Learn more about us here: https://www.mercuryinsurance.com/about/careers 

We offer many great benefits, including: 

• Competitive co

ion

• Flexibility to work from anywhere in the United States for most positions
• Paid time off (vacation time, sick time, 9 paid Company holidays, volunteer hours)
• Incentive bonus programs (potential for holiday bonus, referral bonus, and performance-based bonus)
• Medical, dental, vision, life, and pet insurance
• 401 (k) retirement savings plan with company match
• Engaging work environment
• Promotional opportunities
• Education assistance
• Professional and personal development opportunities
• Company recognition program
• Health and wellbeing resources, including free mental wellbeing therapy/coaching sessions, child and eldercare resources, and more

Mercury Insurance is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.