Property Claims Examiner II

Mercury Insurance

Property Claims Examiner managing homeowner claims at Mercury Insurance. Collaborating with vendors and inspecting losses due to unexpected events.

Posted 4/17/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $76,829 - $142,213 per yearWebsite

About the role

Key responsibilities & impact

Investigate and resolve Homeowners claims of moderate complexity in a prompt and efficient manner.
Document with photographs, measurements, recorded interviews as needed, write a repair estimate to capture damages, and complete thorough file notes.
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.

Requirements

What you’ll need

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.
Have prior experience using estimating software like Xactimate.
Experience in a related field: property claims experience, customer service environment, construction, restoration, mitigation.
Are known for clear and professional communication, both written and verbal.
Are bilingual and/or have prior military experience is a plus.
3-5+ years equivalent industry experience is preferred.

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

claims investigationdamage estimationfile documentationnegotiationcustomer serviceproperty claims licensingestimating softwareXactimatevirtual collaborationsettlement authority

Soft Skills

communicationcustomer satisfactiontime managementproblem-solvinginterpersonal skillsorganizational skillsleadershipadaptabilityprofessionalismbilingual communication

Certifications

Bachelor’s degreeproperty claims licensingformal property claims training