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Property Field Claims Adjuster Sr - Effingham, Illinois

COUNTRY Financial · Effingham, IL · $77,600–$106,700 a year · Full time

Posted Sep 11, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a claim where you had to deliver bad news to a policyholder. How did you handle it?

What they are checking: Whether they combine honesty about coverage with real care for the client.

Your territory is Effingham and surrounding areas. How do you plan your week to cover a large rural area efficiently?

What they are checking: Whether they manage travel and scheduling so clients are seen promptly.

As a senior adjuster, how would you help a newer adjuster who is struggling with a complex claim?

What they are checking: Whether they share knowledge and support teammates, which a senior role expects.

What would you do

Some claims are handled virtually. How do you decide if a claim can be settled virtually or needs a field visit?

What they are checking: Whether they judge complexity and risk well so clients get a fast experience without wrong settlements.

A contractor's estimate is double yours. How do you work it out?

What they are checking: Whether they compare line by line, stay open to what they missed and negotiate on facts.

How do you handle a claim where you see signs of possible fraud, like inflated contents values?

What they are checking: Whether they document carefully and use the special investigations process without treating the client as guilty.

About the work

Walk me through a typical water damage claim from first contact to payment.

What they are checking: Whether they know how to determine cause of loss, apply coverage and manage mitigation and repair.

A homeowner has a burst pipe, and you find signs the leak has been going on for months. How do you handle coverage?

What they are checking: Whether they understand sudden versus long-term seepage exclusions and can explain the decision fairly.

You will use drones for some inspections. When would you use a drone and when would you still climb the roof?

What they are checking: Whether they see drones as a tool with limits, not a full replacement for hands-on inspection.

What estimating software do you use, and how do you keep your pricing accurate for local labor and materials?

What they are checking: Whether they are skilled in tools like Xactimate and know to check local price data.

Practice this interview out loud.

Offer builds a real interview for this exact role at COUNTRY Financial from your resume and this job description, asks the questions one at a time, and tells you what landed. The first one is free.

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The full job description

As published by COUNTRY Financial.

Experience more with a career at COUNTRY Financial! We’re excited you’re interested in a career at COUNTRY as we strive toward our vision - to enrich lives in the communities we serve. Our footprint spans coast to coast. But more important than where we operate, is the people who do the work. Apply today to help our organization grow and make a difference for our clients. About the role Looking for a genuinely rewarding career where you know you’re actually making a difference in people’s lives?  COUNTRY Financial is seeking a Sr. Property Claims Adjuster to join our field claims team.  You'll be providing a consistent, positive, and satisfying claims experience for our clients through the proper investigation, evaluation, negotiation, and settlement of property claims.  You'll learn how to use innovative technologies, i.e., drones for property inspections.  In addition to on-site inspections, we also use virtual claim handling software to lead our clients safely and expertly through the claim process. This position allows full-time field work within the territory for this position, which includes Effingham, Illinois and surrounding areas. How does this role make an impact? - Investigates claims by determining applicable policy coverage, evaluates, negotiates and settles assigned claims. - Initiates contact with insureds, claimants, and all relevant parties to gather basic information, obtain recorded statements (when necessary), and explain the overall claims process. - Completes physical and/or virtual inspections of damaged property (when necessary), evaluates damages, and prepares written estimates according to policy provisions and liability. Do you have what we're looking for? Typically requires 7+ years of relevant experience or a combination of related experience, education and training. -Maintains the appropriate adjuster's licensing as required by the states in which we do business. -For Property-Field representatives only, excluding representatives in the Large Property Loss Unit: Part 107 drone license required for roof inspections. License must be obtained within 5 months of start date; must pass exam within 3 attempts. - This job operates in a professional office or work from home environment and routinely uses standard office equipment such as computers, phones, scanners and copy machines. - Work may extend beyond normal business hours as business needs dictate. - May be called upon for catastrophic duty. #LI-CORP #LI-REMOTE Base Pay Range: $77,600-$106,700 The base pay range represents the typical range of potential salary offers for candidates hired. Factors used to determine your actual salary include your specific skills, qualifications and experience. Incentive Pay: In addition to base salary, this position is eligible for a Short-Term Incentive plan. Why work with us? Our employees and representatives serve nearly one million households with our diverse range of personal and business insurance products as well as retirement and investment services. We build relationships and work together to create a stronger, more secure future for our clients and our communities. We’re a big company, yet small enough you can make an impact and won’t get lost in the shuffle. You’ll have the opportunity to learn and grow throughout your career, either within this role or by exploring other areas of our business. You’ll be able to take advantage of our benefits package, which includes insurance benefits (medical, dental, vision, disability, and life), 401(k) with company match. COUNTRY Financial is committed to providing equal opportunity in all areas of employment, and in providing employees with a work environment free of discrimination and harassment. Employment decisions are made without regard to race, color, religion, age, gender, sexual orientation, veteran status, national origin, disability, or any other status protected by applicable laws or regulations. Come join our team at COUNTRY today!

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