I

Intact

Underwrites insurance and manages claims

Commercial Claims Field Appraiser - Property Large Loss

Full-Time
CA$118.7k - CA$145.1k/yr
Expert
Bachelor's
Mississauga, ON, Canada
HybridTelecommuting role with regular travel as needed.

About the job

Requirements
  • A diploma in building appraisal and/or a relevant combination of education and experience is required.
  • Ten years of appraisal experience focused on large commercial losses is required.
  • Excellent knowledge of Xactimate estimating software is required.
  • Extensive technical and practical knowledge of commercial construction restoration is required.
  • Knowledge of all relevant regulatory and code requirements is required.
  • A valid driver's license and good driving record are required.
Responsibilities
  • Provide detailed damage scopes for commercial losses with exposures exceeding $1 million.
  • Analyze damage and create rebuild or reconstruction estimates, including identification of contingency factors.
  • Prepare tender documents and participate in detailed analysis of bid packages, verifying accuracy, proposed timelines, and scheduling.
  • Collaborate with the adjusting team to identify mitigation opportunities and separate covered from uncovered costs.
  • Review contractor invoices and supporting documentation, and provide recommendations for progress payments.
  • Oversee the repair process to ensure timelines and budgets are met while tracking changes for budget accuracy.
  • Oversee time and materials and negotiate costs, including equipment, hourly rates, profit and overhead, and economies of scale.
  • Assist with customer escalations.
  • Calculate actual cash value and replacement cost value.
  • Dissect overlapping costs and responsibilities in multi-party losses.
  • Investigate and assess bylaw and code upgrade requirements.
  • Work with stakeholders to identify potential risks, hazards, and trends, as well as feedback and learning opportunities.
  • Mentor and guide regional appraisers to support succession planning.
  • Support best-practice operations in a creative, continuous-improvement environment.
  • Travel regularly as needed.
Desired Qualifications
  • Bilingualism in French and English is an asset.
  • Critical thinking and curiosity when approaching complex problems in time-sensitive situations.
  • Effective communication that enhances business relationships and provides guidance to clients.
  • Ability to gather information, evaluate scenarios, and negotiate toward solutions.
  • Adaptability to changing needs with flexibility and agility.
  • Planning and organization skills to establish an effective strategy.
  • Strong collaboration skills and an inclination to mentor and coach.

About the company

Intact Financial Corporation operates as a Canadian insurer offering home, auto, and business coverage, with a notable presence in the UK and Ireland. It underwrites policies, processes claims, and earns revenue from premiums plus investment income. The company emphasizes climate resilience, digital engagement, and community well‑being, with about three-quarters of customers engaging digitally and a focus on using data and AI through external investments. Its goals include 10% NOIPS growth per year, 500 basis points in ROE, outperforming the industry combined ratio by 5 points, and improving customer experience while supporting community resilience.

Company Size

10,001+

Company Stage

IPO

Headquarters

Toronto, Canada

Founded

1809

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Simplify's Take

What believers are saying

  • Q2 2026 operating ROE stayed 17.0%, with book value per share up 13%.
  • Intact issued C$250 million LRCNs on August 10, 2026, preserving capital flexibility.
  • Management says AI benefits should reach C$500 million annually by 2028, two years early.

What critics are saying

  • Q2 2026 catastrophes and large losses cut underwriting income 61% to C$305 million.
  • UK and Ireland transformation now needs 24 to 36 months to reach 90% combined ratio.
  • Persistent wildfire, storm, and commercial-fire losses can overwhelm growth and compress returns.

What makes Intact unique

  • Intact’s AI already delivers over C$220 million recurring annual benefits in 2026.
  • Its integrated claims network and On Side Restoration rebuilt Kingston wildfire homes within a year.
  • Jiffy acquisition deepens digital engagement and home-maintenance services across Canada since November 2024.

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Benefits

Health Insurance

Flexible Work Hours

Remote Work Options

Paid Vacation

Hybrid Work Options

401(k) Company Match

Employee Stock Purchase Plan

Wellness Program

Mental Health Support

Growth & Insights and Company News

Headcount

6 month growth

↑ 20%

1 year growth

↑ 20%

2 year growth

↑ 20%
Associated Press
Aug 10th, 2026
Intact Financial Corporation Announces Private Placement of $250 Million Limited Recourse Capital Notes and Intention to Redeem Non-cumulative Rate Reset Class A Shares Series 3

/NOT FOR DISTRIBUTION TO U.S. NEWSWIRE SERVICES OR FOR DISSEMINATION IN THE UNITED STATES/ TORONTO, Aug. 10, 2026 /CNW/ -- Intact Financial Corporation (TSX: IFC) ("Intact" or the "Company") announced today that it has agreed to issue $250 million aggregate principal amount of 6.133% Limited Recourse Capital Notes, Series 3 (Subordinated Indebtedness) due September 30, 2086 (the "LRCNs")

Associated Press
Jul 14th, 2026
Intact closes 75% of Kingston wildfire claims within a year, rebuilds 60+ homes

Intact Financial Corporation reports that 75% of insurance claims from last year's Kingston, Newfoundland and Labrador wildfire have been closed, nearly one year after the disaster. The wildfire burned approximately 10,708 hectares and destroyed over 60 homes among Intact customers. The insurer deployed more than 100 team members from across Canada to support the community. Intact received over 400 personal property claims and mobilised adjusters within 48 hours of evacuation orders lifting. On Side Restoration, Intact's wholly owned restoration company, has been rebuilding the destroyed homes. The integrated supply chain approach allowed Intact to coordinate assessment through final rebuild despite high demand for labour and materials. Tracy Laughlin, Senior Vice President of Claims at Intact, emphasised the company's commitment to building relationships with affected customers throughout the recovery process.

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Comeryx is the first fully digital platform purpose-built for the small business artisan contractors market. We replace manual friction with an autonomous decision engine, enabling wholesalers to quote, bind, and issue complex risks in minutes, not days.

EIN Presswire
Feb 18th, 2026
Comeryx raises $7.5M to automate small business insurance with AI-native MGA platform

Comeryx, an AI-native managing general agent, has launched with $7.5 million in seed funding led by Altai Ventures. American Family Ventures, Intact Ventures, Boulder Ventures, Arch Capital Group and Echelon also participated. The company addresses profitability challenges in small business insurance by automating underwriting for policies that have traditionally been too costly to process manually. Comeryx targets the small business artisan contractor market, comprising over 500,000 US businesses with under $10 million in revenue. The platform distributes exclusively through excess and surplus licensed wholesale brokers, offering automated quote, bind and issue capabilities. Founded by industry veterans including CEO Dax Craig, co-founder of Pie Insurance and Valen Analytics, Comeryx expects to begin issuing policies later in 2026.

Investors Hangout
Nov 7th, 2025
Intact Financial Closes $150 Million in Preferred Shares - Investors Hangout

Explore Intact Financial Corporation's recent announcement of a $150 million preferred share offering and its strategic implications for investors.