Large Loss Adjuster

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🌲 North Carolina – Remote

🌲 North Carolina – Remote

💵 $76.6k - $106.5k / year

⏰ Full Time

🟠 Senior

🔴 Lead

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Horace Mann

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1945

🛡️ Insurance

💸 Finance

📚 Education

Insurance • Finance • Education

Horace Mann is a company that provides comprehensive insurance and financial solutions tailored for educators and public sector workers. The company offers a wide range of insurance options including auto, home, renters, liability, life, and supplemental insurance. In addition to insurance, Horace Mann provides retirement and financial strategies, such as 529 College Savings Plans, investment management, and student loan solutions designed specifically to help educators. They are committed to supporting educators through various programs, workshops, webinars, and partnership initiatives that aid in professional and personal financial wellness. Horace Mann is recognized for its strong financial stability and ethical governance practices, ensuring security and privacy for its nearly one million educator clients across the nation.

📋 Description

• 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 homeowner policy and jurisdictional document knowledge to assigned claims • 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, SIU, public officials, and other adjusters • Identify prior losses and potential environmental exposures • Reconcile contractor and mitigation estimates and collaborate with vendors on damage valuations • Prepare large loss and total loss estimates using Xactimate • Negotiate settlements with insureds, attorneys, and public adjusters • Manage periods of restoration for ALE and Loss of Rent claims • Interpret and apply policies, leases, by-laws, declarations, and contract coverages • Maintain transparent and timely stakeholder communication throughout the claim lifecycle • Assist during catastrophe events as needed • Participate in special projects and process improvement initiatives • Mentor and train other claims professionals

🎯 Requirements

• 5–7 years of dwelling estimating experience preferred • 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; Level 3 certification encouraged • Ability to work effectively with vendors on damage determination and estimate reconciliation • Ability to operate in a fast-paced, customer-focused environment using claims systems and telephony platforms • Must obtain and maintain required state adjuster licenses and comply with jurisdictional regulatory requirements • Strong communication, negotiation, analytical, and decision-making skills • Periodic travel may be required for inspections or catastrophe support

🏖️ Benefits

• Periodic travel may be required for inspections or catastrophe support • Special rates and benefits for educators • Insurance and financial products to help educators protect their assets and prepare for the future