Desk Property Adjuster

Are you a self‑motivated problem-solver with strong investigative instincts and a solid understanding of the insurance claims process? Rural Mutual Insurance Company is seeking a detail-oriented Desk Property Adjuster to join our growing team. In this role, you’ll handle residential, commercial, and farm property claims, using your analytical skills and sound judgment to evaluate coverage, determine liability, and guide policyholders through the claims experience.

As a Desk Property Adjuster, you will review claim information, gather necessary documentation, and make fair, timely claim decisions—all while delivering exceptional customer service. This is an excellent opportunity for an adjuster who enjoys investigative work, continuous learning, and meaningful interactions with customers in a supportive, mission-driven environment.

This is a remote position, but applicants must live in Wisconsin.

If you're a property claims professional looking to leverage your communication and critical-thinking skills with a company that puts people first, we encourage you to apply!

$65,000 - $80,000 yearly

• Evaluate first-party property claims remotely using digital documentation from independent adjusters and other sources.
• Review policies, claim forms, and loss details to determine coverage and calculate accurate settlements.
• Document findings, estimate repair costs, and maintain thorough records throughout the claims process.
• Communicate professionally with policyholders, agents, and stakeholders via phone and email, addressing inquiries and guiding them through the claims process.
• Negotiate fair settlements with policyholders, contractors, and third parties, clearly explaining coverage and deductibles.
• Collaborate with internal teams to ensure accurate claim assessments and policy compliance.
• Stay current on property insurance laws, regulations, and industry standards to ensure procedural compliance.
• Perform additional duties as assigned.

• Minimum of three years of experience as a Property Adjuster, in either a desk- or 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, building materials, and the ability to read and write estimates using Xactimate.
• Strong analytical and problem-solving skills to accurately assess property damage, evaluate coverage, and negotiate effective settlements.
• Excellent verbal and written communication skills to interact with policyholders, claimants, and internal stakeholders.
• 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.

Preferred Qualifications:

• Proficient in Xactimate and XactAnalysis.
• Experience reviewing independent adjuster reports.
• Experience with multi-line claims adjusting.
• Familiarity in handling recovery processes, including subrogation, contribution, and salvage.

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.