Property Mid Loss Adjuster

Overview

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 Employers for 2026!

Position Summary:The Property Mid Loss Adjuster applies broad knowledge of current Company policy, applicable regulatory standards and procedural changes to investigate, evaluate and settle moderate to complex 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. 

Geo-Salary Information

An in-person interview may be required during the hiring process

State specific pay scales for this role are as follows:

$83,670 to $161,815(NJ, NY, WA, HI, AK, MD, CT, RI, MA)

$76,064 to $147,104 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)

$68,457 to $132,394 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)

In CA: Typical hiring range is $110,468.25 to $135,016.75  

The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.

Responsibilities

Essential Job Functions:

• Investigate moderate to 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. Investigations may include scene inspection, recorded interviews with policyholders or other witnesses, 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

Qualifications

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

Experience:

• 4 - 8 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.
• This is a home-based field position and requires travel of up to 50% of work time. Some ling in-state distance travel may be required. The successful candidate must meet established Company standards regarding personal driving history and have current driver's license to be eligible for position. 
• This opening is for coverage primarily in {location}. Some non-field claims in remote areas may also be assigned

Knowledge and Skills:

Minimum:

I can succeed as a Property Mid Loss Adjuster with:

• 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).
• Ability to use advanced video technology to collaborate with onsite vendors and insureds to identify damage and write a damage estiate from a virtual setting when needed.
• Technical knowledge of and proficiency in property evaluation, estimation, and Xactimate.
• A good 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.

Other skills and competencies

• Customer Focus: - Is dedicated to meeting the expectations and requirements of internal and external customers
• Decision Quality: - Makes good decisions based upon a mixture of analysis, wisdom, experience and judgment
• Interpersonal Savvy: - Builds constructive and effective relationships
• Composure: - Is not knocked off balance by the unexpected.  - Is cool under pressure.
• Listening: - Practices attentive and active listening
• Time Management: - Ability to use time effectively and efficiently

About the Company

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

Perks and Benefits

We offer many great benefits, including:

• Competitive compensation
• 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.

Pay Range

Compensation: 83670 to 161815 (USD)