Senior Adjuster, Property Claims

Kitchener, ON
On-site
Posted Sep 9, 2026
1 position

$68,000–$102,000 / year

Opens an external site

Employment type: Full-time
Experience level: Senior · 5+ years
Minimum education: Professional degree
Posting language: English
Working hours: 40 hours per week

Job summary

The Senior Adjuster manages complex and high-severity property claims, including large residential and commercial losses. They also act as a technical resource by providing mentorship, quality assurance, and support during catastrophe surge activity.

Job details

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. Senior Adjuster, Property Claims The Senior Adjuster, Property Claims, is responsible for the handling of complex and high-severity property claims, including large residential, commercial, and structural losses. Operating within Heartland’s Property Core cluster, this role ensures fair, defensible, and timely resolution of claims through advanced technical assessment, vendor oversight, and comprehensive coverage analysis. The Senior Inside Adjuster acts as a technical resource for team members, providing mentorship, quality assurance feedback, and support during CAT surge activity. What you'll do... Lead file investigations from first notice through resolution, ensuring coverage accuracy, defensibility, and fair outcomes. Review and validate engineer reports, cost consultant estimates, and contractor scopes for accuracy and compliance. Act as a technical resource, providing mentorship, guidance, and file escalation support. Maintain exceptional communication with insureds, brokers, and vendors throughout the claim lifecycle. Participate in catastrophe (CAT) response planning, surge handling, and post-event evaluations. Support continuous improvement initiatives tied to quality, efficiency, and defensibility. What you'll bring... 5–7 years of progressive property claims adjusting experience, including exposure to large loss or structural claims. Chartered Insurance Professional (CIP) or; Fellowship (FCIP) considered an asset. Strong understanding of construction principles, policy wording interpretation, and technical estimate review. Demonstrated ability to mentor peers and handle high-complexity files with minimal oversight. Excellent analytical, negotiation, and written communication skills. Proficiency in claims management systems (Guidewire), Microsoft Office, and Xactimate. The salary range for this role is $68,000 - $102,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations. What’s in it for You: A Supportive Team: We’re not just a workplace, we’re a community. We are small but mighty, we believe in the power of connection, purpose, and belonging. Comprehensive Total Rewards: Enjoy a competitive compensation package made up of base salary and bonus, health and wellness benefits, pension plan, paid time off, and so much more. Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging. 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. This job posting is for an existing vacancy within Heartland. Accommodation is available on request for candidates taking part in all aspects of the selection process. We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure fairness and transparency. 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.

What you’ll do

Requirements

Candidates must have 5–7 years of progressive property claims adjusting experience with exposure to large loss or structural claims. Proficiency in Guidewire and Xactimate, along with a strong understanding of construction principles and policy interpretation, is required.