Senior Insurance Restoration Estimator

Location: Rochester, MN
Compensation: $65,000 - $95,000+ annually (Base Salary + Performance Incentives)
Employment Type: Full-Time

Join a Team That Values Experience

We are seeking an experienced Insurance Restoration Estimator to join our growing team. This position is specifically designed for professionals who have extensive experience in the restoration industry or insurance claims field and understand the complexities of property damage claims, carrier requirements, and reconstruction costs.

This role is ideal for:

• Senior Restoration Estimators
• Former Property Adjusters
• Large Loss Adjusters
• Independent Adjusters
• Restoration Project Managers
• Reconstruction Estimators
• CAT Adjusters seeking a stable local opportunity
• Experienced Mitigation Managers transitioning into estimating

If you understand how to write accurate scopes, negotiate with carriers, and advocate for homeowners while maintaining credibility with insurance partners, we want to speak with you.

Responsibilities

• Inspect residential and commercial properties affected by water, fire, storm, mold, and other property losses.
• Develop detailed estimates using Xactimate and industry-standard pricing databases.
• Create complete repair scopes that accurately reflect pre-loss condition and local code requirements.
• Negotiate claim scope and pricing with insurance adjusters, desk reviewers, and third-party administrators.
• Identify overlooked items, code upgrades, matching issues, and required repairs to ensure proper indemnification.
• Coordinate with project managers, mitigation teams, subcontractors, and homeowners throughout the restoration process.
• Prepare supplements and support documentation to maximize claim accuracy and project profitability.
• Maintain strong relationships with insurance carriers, adjusters, agents, and referral partners.
• Assist operations teams with project budgeting, change orders, and cost control.

Required Qualifications

• Minimum of 2 years of experience in insurance restoration estimating, property adjusting, or reconstruction project management.
• Advanced proficiency with Xactimate.
• Strong understanding of insurance claims handling practices and policy interpretation.
• Extensive knowledge of residential and commercial construction methods.
• Ability to identify code requirements, ordinance and law upgrades, and matching considerations.
• Experience negotiating supplements and disputed scopes with carriers.
• Excellent communication and documentation skills.
• Valid driver's license and clean driving record.

Preferred Qualifications

• Former Staff Adjuster or Independent Adjuster experience.
• IICRC certifications.
• HAAG certification.
• Experience with large-loss or commercial claims.
• Familiarity with Symbility, Dash, Encircle, Matterport, EagleView, and DocuSketch.
• Prior experience in water mitigation, fire restoration, roofing, or reconstruction management.

What Makes This Opportunity Different

• We value professionals who understand both the contractor and insurance perspectives.
• Your experience and judgment matter more than production quotas.
• You'll have the authority to build accurate scopes and advocate for proper repairs.
• Opportunity to work on complex and challenging losses, not just simple volume claims.
• Strong operational support from project management and field teams.

Compensation & Benefits

• Competitive base salary based on experience.
• Performance bonuses and incentive opportunities.
• Company vehicle or vehicle allowance.
• Fuel card.
• Health insurance options.
• Paid holidays and PTO.
• Continuing education and certification reimbursement.
• Company technology package including laptop, tablet, and estimating software.

Why Join Us?

The restoration industry needs professionals who understand that the goal is not simply to close claims—it is to restore properties to their pre-loss condition while delivering an exceptional customer experience.

If you are an experienced restoration professional or adjuster looking for a company that values expertise, integrity, and technical excellence, we would like to hear from you.

Apply today and bring your experience to a team that understands the value of doing the job right the first time.

Pay: $65,000.00 - $95,000.00 per year

Benefits:

• Fuel reimbursement
• Health insurance
• Paid time off
• Professional development assistance

Application Question(s):

• How many years experience in Insurance Restoration?
• How many years experience in Xactimate?
• Do you have experience writing all types of insurance estimates? WTR, FIR, MLD, BIO, Commercial

Work Location: In person