Property Claims Examiner II

Mercury Insurance

. Investigate and resolve Homeowners claims of moderate complexity in a prompt and efficient manner.

Posted 10/27/2026full-timeRemote • United StatesMid-LevelSenior💰 $76,829 - $142,213 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in investigating and resolving property claims, utilizing estimating software like Xactimate, and adhering to Department of Insurance requirements. Exhibits strong communication skills and the ability to manage claims workload effectively while ensuring customer satisfaction.

Highest-signal resume keywords

Property Claims InvestigationXactimate Estimating SoftwareCustomer Service ExcellenceClaims LicensingOrganizational Skills

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Claims DocumentationDamage EstimationNegotiationFile ManagementClaims Settlement Authority

Soft Skills

Clear CommunicationTime ManagementAdaptabilityDecision MakingCustomer Satisfaction Focus

Tools & Technologies

Video TechnologyImagery ToolsEstimating Software

Certifications & Qualifications

Property Claims Licensing

Industry Keywords

Homeowners ClaimsInsurance ComplianceIndependent AdjustersConstruction ExperienceRestoration Experience

About the role

Key responsibilities & impact

Investigate and resolve Homeowners claims of moderate complexity in a prompt and efficient manner.
Document claims with photographs, measurements, recorded interviews as needed, repair estimates, and thorough file notes.
Use imagery and advanced video technology to collaborate with onsite vendors and insureds to identify damage and write damage estimates virtually.
Compare investigation facts against the policy to determine coverage and extend or deny coverage as appropriate.
Establish reserve amounts within prescribed settlement authority limits and negotiate claim settlements.
Recommend claims exceeding personal authority limits to a supervisor for approval.
Communicate with insureds and/or their representatives by phone, email, text, and written communication to resolve issues and ensure customer satisfaction.
Adhere to Department of Insurance requirements.
Prioritize responsibilities, manage claims workload, monitor progress and expenses, and resolve inventory to conclusion.
Direct, monitor, and review files handled by independent adjusters when needed.
Perform other assigned functions.

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
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 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.

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