Large Loss Adjuster

We're motivated by the fact that educators take care of our children's future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future."> Large Loss Adjuster-Horace Mann-Remote

Large Loss Adjuster

We're motivated by the fact that educators take care of our children's future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future.

Remote

Horace Mann

We're motivated by the fact that educators take care of our children's future, and we believe they deserve someone to look after theirs.  We help educators identify their financial goals and develop plans to achieve them.  This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators.

https://boards.greenhouse.io/horacemannservicecorporation

keywords: position summary,complex claims handling,investigation & damage assessment,negotiation & resolution,catastrophe & collaboration,experience,knowledge,skills,travel

Property & Casualty Claims

$76,600.00 - $106,450.00

Overview:

Horace Mann is seeking an experienced and technically skilled Large Loss Adjuster to manage high-exposure homeowner property claims, including complex and litigated files. This role requires advanced investigative expertise, strong negotiation skills, and the ability to handle significant financial exposures while delivering exceptional service to policyholders and business partners.

The ideal candidate thrives in complex claim environments, demonstrates strong business acumen, and brings deep knowledge of policy interpretation, dwelling estimating, and litigation management.

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Responsibilities:

Complex Claims Handling

• Manage and investigate large loss and high-exposure homeowner claims, including litigation files and claims involving public adjusters and attorneys.
• Verify coverage, interpret policy language, and determine liability and scope of damages.
• Evaluate claim facts and damage estimates to move claims toward appropriate and timely resolution.
• Apply in-depth knowledge of homeowner's policies and jurisdictional documents to assigned claims.

Investigation & Damage Assessment

• Conduct on-site inspections as needed to evaluate damages and determine loss exposure.
• Investigate origin and cause of high-exposure claims, coordinating with insureds, claimants, agents, attorneys, contractors, experts, Special Investigation Unit (SIU), public officials, and other adjusters.
• Identify prior losses and recognize potential environmental exposures.
• Reconcile contractor and mitigation estimates and collaborate with vendors to determine appropriate damage valuations.
• Demonstrate advanced proficiency in Xactimate, including preparation of large loss and total loss estimates (Level 3 certification encouraged).

Negotiation & Resolution

• Negotiate settlements with insureds, attorneys, and public adjusters in accordance with company best practices.
• Manage period of restoration for ALE (Additional Living Expense) and Loss of Rent claims.
• Interpret and apply policies, leases, by-laws, declarations, and contract coverages as they apply to all parties involved.
• Maintain transparent and timely communication with all stakeholders throughout the claim lifecycle.

Catastrophe & Collaboration

• Provide assistance during catastrophe events as needed.
• Participate in special projects and consult on process improvement initiatives.
• Actively engage in mentoring and training of other claims professionals.

Entity of type com.vizirecruiter.common.domain.model.Label with id: 22075 Entity of type com.vizirecruiter.common.domain.model.Label with id: 23401 Entity of type com.vizirecruiter.common.domain.model.Label with id: 22293 Entity of type com.vizirecruiter.common.domain.model.Label with id: 22077

Requirements:

• 5-7 years of dwelling estimating experience preferred, with demonstrated sustained technical performance.
• Proven experience handling homeowner property losses of $50,000 or greater.
• Strong claims and business acumen with litigation experience.
• Advanced knowledge of homeowner policy interpretation and coverage analysis.
• Demonstrated Xactimate expertise; encouraged to pursue Level 3 certification.
• Ability to work effectively with vendors regarding damage determination and estimate reconciliation.
• Ability to operate in a fast-paced, customer-focused environment using claims systems and telephony platforms.
• Maintain and obtain required state adjuster licenses; ability to comply with all jurisdictional regulatory requirements.
• Strong communication, negotiation, analytical, and decision-making skills.

Additional Information

• Must obtain and maintain required state adjuster licenses.
• Periodic travel may be required for inspections or catastrophe support.

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