The posting
Job Description
Applicants must be a resident and work from one of the following states: WA with occasional travel to our headquarters, located in Seattle, WA.
Who We Are:
At PEMCO, we’re all about people – our customers, our employees, and the community. We’re a mutual insurance company owned by our Northwest policyholders. We provide auto, home, renters, and boat coverage. Recognized by Forbes as one of America’s Best Insurance Companies in both Auto and Home for 2026, based on customer survey feedback, and by Newsweek as one of America’s Greatest Midsize Workplaces 2025. We are consistently recognized for our outstanding customer service, employee expertise, community partnerships, and social impact programs. All of which makes PEMCO a great place to work!
Our social impact programs motivate high achievement by youth in education; build stronger and greener communities; and increase safety at home, on the road, and at play. We’re committed to diversity, equity, inclusion, and belonging, and to fostering an inspiring and inclusive workplace. These efforts create and cultivate an environment that builds fairness and understanding, encourages collaboration and flexibility, and celebrates all the ways in which we’re different and the same – enabling all individuals to achieve their full potential.
Why We Need You:
PEMCO has an opportunity for a Principal Claims Adjuster, Property to join our community. This position is responsible for principal level property claims adjusting that provides outstanding service to all customers while thoroughly investigating, evaluating, negotiating property claims.
What You'll Be Doing:
- Occasional CAT duty as needed
- Issue timely claims payments with a high level of claims payment authority; present files outside of authority level for review and approval.
- Interact with policyholders, agents, claimants, witnesses, attorneys, contractors, public adjusters and other vendors/partners to facilitate accurate, prompt claims resolution.
- Effectively manage fluctuating workload, with minimal supervision, while maintaining focus on claims quality and customer experience.
- Direct and coordinate vendors and experts in order to achieve restoration project timeline goals while keeping insured apprised, ensuring remarkable customer experience.
- Conduct physical inspections at the scene of loss to determine scope of damage and control estimates provided by vendors.
- Collaborate with other internal departments in recognizing and referring claims involving SIU, subrogation, auto physical damage, and total loss.
- Build rapport with policyholders, customers, agents, carriers, attorneys and vendors to facilitate prompt and accurate claim resolution.
- Apply case and statutory law in the proactive adjustment of complex property claims located in Washington and Oregon.
- Accurately interpret coverage using advanced level contract, regulatory and compliance knowledge, following company file handling procedures.
- Demonstrate behaviors consistent with PEMCO's policies, values, code of ethics and business conduct.
- Authentically support the PEMCO Brand and constantly are on the lookout for top talent to join us to achieve our Mission to Worry Less and Live More.
- Other duties as assigned.
What You'll Bring:
- B.A. or B.S. degree or equivalent work experience (business or related field)
- 10 years of experience in adjusting moderate to complex property and/or casualty claims is required. Claims experience in combination with transferable experience in contracting or water mitigation will be considered.
- Insurance industry designations or certifications preferred
- MS Office: Skilled proficiency in Excel, Word, Outlook is required
- Job specific: Advanced proficiency with residential construction and estimating software, such as Xactimate is required
- Compliance: Knowledge and understanding of relevant laws, rules, and regulations is required
- Job specific: Valid driver's license and a good driving record is required
Compensation:
The pay range for this role is shown below. Compensation decisions are determined based on an individual’s qualifications, job-related knowledge, skills, and experience.
- Greater Seattle area target pay range: $105,762 - $129,264. The full pay range is $88,135 - $146,891
- Outside Greater Seattle area target pay range: $93,337- $114,079. The full pay range is $77,781 - $129,634.
Benefits:
Regular part-time PEMCO employees working at least 24 hours per week and regular full-time PEMCO employees are eligible to elect coverage under medical, dental, and vision plans for themselves and their eligible family members with generous employer premium cost shares. In addition, as a benefits-eligible employee, you are:
- covered by employer-paid basic life and accidental death & dismemberment insurance policies as well as long- and short-term disability benefit coverages.
- eligible to participate in PEMCO’s 401(k) plan, which includes a generous employer match (2 for 1 on the first 6% employee pre-tax and/or Roth deferral, up to federal maximums).
PEMCO provides the following paid leave programs for benefits-eligible employees in their first year of PEMCO employment:
- Vacation and eight (8) paid holidays.
- Granted four (4) floating holidays and up to ten (10) days of sick leave immediately upon hire (pro-rated based on hire date and full-time/part-time status).
- In addition, PEMCO provides paid time off for bereavement, jury duty, and employee volunteering in the community.
Other miscellaneous benefit programs offered by PEMCO include:
- Education Assistance Program after one year of service.
- Scholarship program for children of PEMCO employees after one year of service; children’s birthday gift program
- Flexible Spending Accounts, Employee Assistance Program, and charitable gift matching
Other compensation depending on role, contributions, and performance may include:
- Discretionary bonuses.
- Tiered sales commissions and/or incentives
Equal Employment Opportunity:
At PEMCO, we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our products, and our community to flourish. PEMCO is honored to be an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or veteran status.
Accommodations
At PEMCO, people are at the heart of our business. We’re committed to providing an inclusive hiring experience for all candidates. If you need reasonable accommodations to apply for a role or participate in an interview, please contact us by email with your name, the job reference number(s), your preferred contact method, and a brief description of the accommodation needed. Requests are considered on a case by case basis in accordance with applicable disability laws, including the ADAAA.
Applicants have rights under Federal Employment Laws:
- Family and Medical Leave Act (FMLA)
- Equal Employment Opportunity (EEO)
- Employee Polygraph Protection Act (EPPA)
