Job Description

As a Property Field Claims Adjuster with Rural Mutual Insurance, you’ll be the trusted expert who helps Wisconsin policyholders recover from unexpected property damage. You’ll inspect residential, commercial, and farm sites, determine coverage, and negotiate fair settlements—all while working independently and making a meaningful impact in the lives of our customers. Your territory will encompass beautiful Northeast WI – Forest, Langlade, Lincoln, Oneida, & Vilas Counties. We’ll equip you with a company vehicle, phone, and laptop—so you have everything you need to succeed on the go. Responsibilities: • Conduct on-site inspections of property damage resulting from incidents such as fires, floods, storms, or accidents. • Analyze insurance policies and claim documentation to determine coverage, liability, and appropriate settlement amounts. • Prepare comprehensive reports including photographs, measurements, and repair estimates; maintain accurate and organized claim records. • Communicate empathetically and professionally with policyholders and stakeholders, providing clear guidance throughout the claims process. • Negotiate fair and timely settlements with policyholders, contractors, and third parties, ensuring transparency around coverage terms and deductibles. • Collaborate with internal departments—including underwriting, legal, and agency teams—to ensure accurate claim evaluations and policy compliance. • Stay informed on current insurance laws, regulations, and industry standards to ensure all claims handling aligns with company and legal guidelines. • Perform additional duties and support special projects as assigned. Qualifications: • Minimum of three years of experience as a Property Adjuster, preferably in a field-based role. • Bachelor's degree in a relevant field, such as insurance, risk management, or construction, or equivalent work experience, may be considered. • Familiarity with property insurance policies, claim investigation techniques, and industry-standard software for documenting and estimating. • Solid understanding of construction principles and building materials. • Strong analytical and problem-solving abilities to assess property damage accurately, evaluate coverage, and negotiate settlements effectively. • Excellent verbal and written communication skills to interact with policyholders, claimants, and internal stakeholders. Ability to explain complex concepts in a clear and concise manner. • Strong customer service skills with a focus on providing a positive experience to policyholders throughout the claims process. Ability to handle challenging conversations and demonstrate empathy when dealing with individuals who have experienced property damage. • Exceptional organizational and time management skills to handle multiple claims simultaneously, meet deadlines, and maintain accurate documentation. • Valid Driver’s License. • Ability to perform the physical requirements of the job, such as climbing ladders, walking on roofs, working inside collapsed/burnt structures, walking on uneven terrain, etc. Preferred Qualifications: • Prior experience working with cause and origin experts. • Experience in handling recovery processes, including subrogation, contribution, and salvage. • Familiarity with multi-line claims adjusting. • HAAG Certification. About Company: What You'll Love About Rural Mutual Insurance: We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees.  We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do. We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits.

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