Property General Claims Adjuster; Farm & Commercial

Overview

Founded in 1898
, Mutual of Enumclaw is a people-first insurer rooted in community, recognized as Washington’s Best Company to Work For for the 14th consecutive year
, and proudly serving individuals, families, farms, and businesses through local independent agents across the West.

The Property General Claims Adjuster - Farm/Commercial reports to the Property Claims Supervisor, and the primary function of the role is to investigate, evaluate, negotiate, and resolve complex, high-severity farm and commercial property insurance claims.

Location: The successful candidate will work in the field but must be located in one of the following states: WA, OR, , MT, WY, UT, or AZ; must be able to work during our core Pacific Standard Time (PST) business hours; and must have high-speed internet (internet speed test required).

Hiring Range:$104,910 - $114,477*

Salary Range:$104,910 - $130,111

* The hiring range represents Mutual of Enumclaw’s current hiring pay scale for this role. Mutual of Enumclaw reserves the right to modify or update this range at any time. Exact compensation may vary based on skills and experience. Compensation is only one part of our entire total rewards package. To see some of the benefits and perks we offer, please.

• Independently investigate, evaluate, and resolve large and complex commercial property, casualty, and farm/ranch claims, including total losses, from first notice of loss through final settlement.
• Conduct thorough on-site inspections of commercial structures, farm buildings, equipment, livestock, and crops to determine cause of loss, scope of damage, and coverage application.
• Prepare and review detailed Xactimate estimates for structural and content losses, applying like-kind-and-quality standards, appropriate depreciation, and overhead & profit consistent with company guidelines.
• Interpret complex commercial and farm policy language, identify coverage issues and exclusions, and clearly communicate coverage decisions to policyholders and agents.
• Set and maintain accurate case reserves throughout the life of the claim, adjusting for new information, coverage developments, and rebuild progress.
• Manage total-loss and major-rebuild claims as an ongoing project - tracking payments made, rebuild status, outstanding decisions, and expected time to completion, with regular status reporting to the policyholder and to claims leadership.
• Coordinate with general contractors, engineers, public adjusters, attorneys, and third-party vendors (e.g., ITEL, HOVER/Eagleview, mitigation and demolition vendors) as needed to move a file to resolution.
• Recognize and elevate claims involving potential fraud, subrogation, or litigation exposure.
• Deploy to catastrophe (CAT) events as needed, including hail, wind, wildfire, and other large-scale losses, sometimes on short notice and outside your home territory.
• Serve as a technical resource and mentor for staff and field adjusters on large-loss handling, farm/commercial coverage questions, and estimating best practices.
• Maintain thorough, well-organized claim file documentation that would allow another adjuster to pick up the file and understand its status at a glance.
• May require after-hours duty/availability and overnight travel.

Required

Skills and Abilities:

• 5+ years of experience as a General Adjuster or senior claims adjuster handling large commercial property/casualty claims; farm or agribusiness claims experience strongly preferred.
• Active property & casualty adjuster license(s) in good standing, or ability to obtain licensure in required states within an agreed timeframe.
• Demonstrated experience handling total-loss and major-rebuild claims, including scope-of-loss estimating, contractor coordination, and…