Property Claims Specialist

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:

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 Specialist adjusting position, performing virtual inspections, and/or collaborating with vendors, to estimate losses damaged by fire, water, weather, or other unexpected events. 

The Property Claims Specialist will apply knowledge of current Company policies, applicable regulatory standards, and procedures to investigate, evaluate and settle property claims involving loss or damage to personal property, potentially including related structural damages, 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:

$44,466 to $77,881 (CA, NJ, NY, WA, HI, AK, MD, CT, RI, MA)

$40,424 to $70,801 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)

$36,381 to $63,721 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)

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 and resolve Homeowners claims of minor to moderate complexity in a timely and efficient manner. 
• Investigates Homeowner personal property losses by obtaining relevant loss information from insureds, vendors, witnesses, and other interested parties, through the use of statements, policy reports, etc.  
• 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.
• 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

Qualifications

Education:

Preferred: 

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

• 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:

Minimum: 

• Experience in a related field: property claims experience, customer service environment, retail.

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

Preferred: 

• Have prior experience using estimating software like Xactimate. 

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

• 1-3 years equivalent industry experience is preferred

Skills & Abilities:

Minimum: 

As a Property Claims Specialist I, 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 structural damage or personal 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 video, or photo, to write a damage estimate:

• 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.

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

USD $44,466.00 - USD $77,881.00 /Yr.

Compensation: 44466 to 77881 (USD)