Claims - Adjuster Level III, Property Claims

Claims - Adjuster Level III, Property Claims

Waterloo, ON, Canada

Job Description

At Heartland Mutual Insurance, we’re more than just a company — we’re a community.

Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.

Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.

bAdjuster Level III, Property Claims

The Adjuster III, Property Claims, is responsible for the independent management of moderate to moderately complex property damage claims from first notice of loss through resolution. This role handles a diverse portfolio including residential, farm, and small commercial losses that may involve structural impacts or multiple parties. The Adjuster III applies advanced technical knowledge to ensure accurate coverage interpretation, defensible decision-making, and timely resolution. The role supports the Senior Inside Adjuster and contributes to technical consistency and quality within the Property Claims unit.

What you'll do...

- Independently manage moderate-to-complex property claims across residential, farm, and small commercial portfolios.

- Investigate cause of loss, assess coverage, and negotiate fair and timely settlements.

- Collaborate with Independent Adjusters, engineers, contractors, and vendors to ensure accuracy and efficiency in file resolution.

- Conduct virtual inspections and analyze reports to support defensible decision-making.

- Support team quality initiatives and participate in calibration sessions to strengthen technical consistency.

- Assist during catastrophe (CAT) events by triaging and managing surge claims.

What you'll bring...

- 3–5 years of property claims adjusting experience, including exposure to moderate or complex losses.

- Post‑secondary education in Insurance, Business, or a related field.

- Working toward or completion of Chartered Insurance Professional (CIP) designation.

- Strong technical and analytical skills, with ability to interpret policy wordings and evaluate estimates.

- Excellent communication and time management skills.

- Proficiency with claims management software (Guidewire); Xactimate experience considered an asset.

If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.

What's in it for You:

- Join a Supportive Team:Be part of a collaborative and high‑performing team that values knowledge sharing and celebrating wins together.

- Comprehensive Total Rewards:Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more.

- Career Growth & Development:Take advantage of continuous learning opportunities and stretch assignments.

- Make an Impact:Play a key role in helping customers navigate challenging situations with empathy and expertise.

- Inclusive Culture:Work in an environment that embraces diversity, equity, inclusion and belonging.

At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well‑being, or your future, we've got you covered.

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