Remote opportunity at
Horace MannLarge Loss Adjuster
Horace Mann seeks a remote Large Loss Adjuster to handle high-exposure homeowner property claims, including litigated and complex files. In this full-time position, the professional will…
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About This Role
Horace Mann seeks a remote Large Loss Adjuster to handle high-exposure homeowner property claims, including litigated and complex files. In this full-time position, the professional will manage significant financial exposures, interpret policy language, verify coverage, and negotiate settlements while providing customer service to policyholders and partners. The ideal candidate possesses strong business acumen, advanced investigative capabilities, and deep familiarity with dwelling estimating, litigation management, and policy interpretation. Daily duties involve…
Job Description
Horace Mann seeks a remote Large Loss Adjuster to handle high-exposure homeowner property claims, including litigated and complex files. In this full-time position, the professional will manage significant financial exposures, interpret policy language, verify coverage, and negotiate settlements while providing customer service to policyholders and partners.
The ideal candidate possesses strong business acumen, advanced investigative capabilities, and deep familiarity with dwelling estimating, litigation management, and policy interpretation. Daily duties involve conducting on-site inspections, investigating origin and cause, reconciling contractor estimates, utilizing Xactimate for large-loss estimates, and assisting with catastrophe events or mentoring colleagues.
Established in 1945 by educators in Springfield, Illinois, Horace Mann was created to offer affordable insurance options for teachers. The publicly traded organization currently manages over $12 billion in assets, serves more than 4,100 school districts across the United States, and provides tailored financial solutions and insurance products designed to help educators protect their assets and achieve their financial objectives.
Responsibilities
- Manage and investigate high-exposure homeowner property claims, including litigated files and cases involving attorneys and public adjusters
- Verify coverage, interpret policy terms, determine liability, and establish the scope of damages
- Conduct on-site inspections to assess damages and loss exposure
- Coordinate origin and cause investigations with insureds, claimants, agents, legal counsel, contractors, experts, SIU, and public officials
- Reconcile mitigation and contractor estimates while collaborating with vendors on damage valuations
- Build large loss and total loss estimates using Xactimate
- Negotiate settlements with insureds, public adjusters, and attorneys following company guidelines
- Manage the restoration period for Loss of Rent and Additional Living Expense claims
- Provide support during catastrophe events and participate in special projects or process improvement initiatives
- Mentor and train other claims professionals
Requirements
- Handle homeowner property losses valued at $50,000 or greater
- Apply advanced knowledge of homeowner policy interpretation and coverage analysis
- Demonstrate Xactimate expertise
- Collaborate effectively with vendors regarding estimate reconciliation and damage determination
- Operate within a fast-paced environment using telephony platforms and claims systems
- Maintain or obtain required state adjuster licenses and comply with jurisdictional regulations
- Fulfill periodic travel requirements for catastrophe support or inspections
Qualifications
- 5 to 7 years of preferred dwelling estimating experience alongside sustained technical performance
- Strong business and claims acumen backed by litigation experience
- Level 3 Xactimate certification is encouraged
Core Skills
Benefits
- Bonus opportunities
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Is this position remote?
Yes, the posting indicates that the role is remote, though periodic travel may be required for inspections or catastrophe support.
What is the salary range for the Large Loss Adjuster role?
The annual salary ranges from $76,600 to $106,450, plus a bonus, with exact compensation depending on experience and location.
What level of experience is preferred for this job?
The employer prefers candidates with 5 to 7 years of dwelling estimating experience and proven proficiency in handling homeowner property losses of $50,000 or more.
Are specific licenses required?
Yes, applicants must obtain and maintain required state adjuster licenses and comply with all regulatory requirements in relevant jurisdictions.
Sample Interview Questions
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