OPT Property Claims Specialist Jobs
Property Claims Specialist jobs are a strong fit for F-1 OPT students with backgrounds in insurance, finance, or risk management. Most roles qualify as specialty occupations for H-1B visa sponsorship. Your 12-month OPT window, extendable to 36 months with a STEM extension if eligible, gives you real runway to build claims experience and secure long-term status.
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Get Access To All JobsOverview: Position Summary:
If you’re passionate about helping people restore their lives when the unexpected happens to their homes and providing the best customer experience, then our Mercury Insurance Property Claims team could be the place for you!
Upon completion of the training program, ideal candidates will transition into a property claims Specialist adjusting position, performing virtual inspections, and/or collaborating with vendors, to estimate losses damaged by fire, water, weather, or other unexpected events.
The Property Claims Specialist will apply knowledge of current Company policies, applicable regulatory standards, and procedures to investigate, evaluate and settle property claims involving loss or damage to personal property, potentially including related structural damages, in a timely and efficient manner as to prevent unnecessary expense to the Company and policyholders, and provide exceptional service to our customers.
Geo-Salary Information:
An in-person interview may be required during the hiring process
State specific pay scales for this role are as follows:
- $44,466 to $77,881 (NJ, NY, WA, HI, AK, MD, CT, RI, MA)
- $40,424 to $70,801 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)
- $36,381 to $63,721 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)
In CA: Typical hiring range is $55,056.15 to $XX
The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.
Responsibilities: Essential Job Functions:
- Investigate and resolve Homeowners claims of minor to moderate complexity in a timely and efficient manner.
- Investigates Homeowner personal property losses by obtaining relevant loss information from insureds, vendors, witnesses, and other interested parties, through the use of statements, policy reports, etc.
- Ability to use imagery and advanced video technology to collaborate with onsite vendors and insureds to identify damage and write damage estimates from a virtual setting.
- Compare facts gathered during the investigation against the policy to determine coverage of claim; extend or deny coverage as appropriate.
- Establishes reserve amounts within prescribed settlement authority limit and negotiates settlement of claims; recommends claims which exceed personal authority limit to supervisor for approval.
- Responsible for effectively and timely communicating with insureds and/or their representatives to resolve issues and ensure customer satisfaction. This includes timely response to phone calls, emails, texts, written communication, and adherence to Department of Insurance requirements.
- Prioritizes own responsibilities and effectively manages claims workload to regularly monitor progress and expenses to properly resolve inventory to conclusion.
- At times may direct, monitor, and review files handled by independent adjusters to conclusion.
- Other functions may be assigned.
Qualifications: Education:
Preferred:
- Bachelor’s degree preferred or equivalent combination of education and experience.
- Ability to obtain state specific property claims licensing, as required.
- Must successfully participate and complete formal property claims training program that may take place in person, virtually, or a combination of both.
Experience:
Minimum:
- Experience in a related field: property claims experience, customer service environment, retail.
- Are known for clear and professional communication, both written and verbal.
Preferred:
- Have prior experience using estimating software like Xactimate.
- Are bilingual and/or have prior military experience is a plus.
- 1-3 years equivalent industry experience is preferred.
Skills & Abilities:
Minimum:
As a Property Claims Specialist I, you will:
- Possess the ability to work independently with limited or no supervision over daily activities required to successfully investigate, evaluate, write damage estimates, negotiate, and resolve structural damage or personal property claims.
- Have a passion for outstanding customer service.
- Make quality decisions based upon a mixture of analysis, wisdom, experience, and judgment, including the ability to negotiate.
- Be comfortable with and adaptable to new technology and business tools.
- Be able to seamlessly transition between various methods of inspection, including video, or photo, to write a damage estimate.
- Possess strong organizational, time management, and prioritization skills to handle varying workloads due to seasonal volume changes and catastrophes.
- Be able and willing to work flexible work shifts and may be asked to work overtime, as needs arise.
About the Company:
Why choose a career at Mercury?
At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance and we can’t imagine a world without it.
Our team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life.
We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals.
Perks and Benefits:
We offer many great benefits, including:
- Competitive compensation
- Flexibility to work from anywhere in the United States for most positions
- Paid time off (vacation time, sick time, 9 paid Company holidays, volunteer hours)
- Incentive bonus programs (potential for holiday bonus, referral bonus, and performance-based bonus)
- Medical, dental, vision, life, and pet insurance
- 401 (k) retirement savings plan with company match
- Engaging work environment
- Promotional opportunities
- Education assistance
- Professional and personal development opportunities
- Company recognition program
- Health and wellbeing resources, including free mental wellbeing therapy/coaching sessions, child and eldercare resources, and more
Mercury Insurance is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.
Pay Range: USD $44,466.00 - USD $77,881.00 /Yr.
Overview: Position Summary:
If you’re passionate about helping people restore their lives when the unexpected happens to their homes and providing the best customer experience, then our Mercury Insurance Property Claims team could be the place for you!
Upon completion of the training program, ideal candidates will transition into a property claims Specialist adjusting position, performing virtual inspections, and/or collaborating with vendors, to estimate losses damaged by fire, water, weather, or other unexpected events.
The Property Claims Specialist will apply knowledge of current Company policies, applicable regulatory standards, and procedures to investigate, evaluate and settle property claims involving loss or damage to personal property, potentially including related structural damages, in a timely and efficient manner as to prevent unnecessary expense to the Company and policyholders, and provide exceptional service to our customers.
Geo-Salary Information:
An in-person interview may be required during the hiring process
State specific pay scales for this role are as follows:
- $44,466 to $77,881 (NJ, NY, WA, HI, AK, MD, CT, RI, MA)
- $40,424 to $70,801 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)
- $36,381 to $63,721 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)
In CA: Typical hiring range is $55,056.15 to $XX
The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.
Responsibilities: Essential Job Functions:
- Investigate and resolve Homeowners claims of minor to moderate complexity in a timely and efficient manner.
- Investigates Homeowner personal property losses by obtaining relevant loss information from insureds, vendors, witnesses, and other interested parties, through the use of statements, policy reports, etc.
- Ability to use imagery and advanced video technology to collaborate with onsite vendors and insureds to identify damage and write damage estimates from a virtual setting.
- Compare facts gathered during the investigation against the policy to determine coverage of claim; extend or deny coverage as appropriate.
- Establishes reserve amounts within prescribed settlement authority limit and negotiates settlement of claims; recommends claims which exceed personal authority limit to supervisor for approval.
- Responsible for effectively and timely communicating with insureds and/or their representatives to resolve issues and ensure customer satisfaction. This includes timely response to phone calls, emails, texts, written communication, and adherence to Department of Insurance requirements.
- Prioritizes own responsibilities and effectively manages claims workload to regularly monitor progress and expenses to properly resolve inventory to conclusion.
- At times may direct, monitor, and review files handled by independent adjusters to conclusion.
- Other functions may be assigned.
Qualifications: Education:
Preferred:
- Bachelor’s degree preferred or equivalent combination of education and experience.
- Ability to obtain state specific property claims licensing, as required.
- Must successfully participate and complete formal property claims training program that may take place in person, virtually, or a combination of both.
Experience:
Minimum:
- Experience in a related field: property claims experience, customer service environment, retail.
- Are known for clear and professional communication, both written and verbal.
Preferred:
- Have prior experience using estimating software like Xactimate.
- Are bilingual and/or have prior military experience is a plus.
- 1-3 years equivalent industry experience is preferred.
Skills & Abilities:
Minimum:
As a Property Claims Specialist I, you will:
- Possess the ability to work independently with limited or no supervision over daily activities required to successfully investigate, evaluate, write damage estimates, negotiate, and resolve structural damage or personal property claims.
- Have a passion for outstanding customer service.
- Make quality decisions based upon a mixture of analysis, wisdom, experience, and judgment, including the ability to negotiate.
- Be comfortable with and adaptable to new technology and business tools.
- Be able to seamlessly transition between various methods of inspection, including video, or photo, to write a damage estimate.
- Possess strong organizational, time management, and prioritization skills to handle varying workloads due to seasonal volume changes and catastrophes.
- Be able and willing to work flexible work shifts and may be asked to work overtime, as needs arise.
About the Company:
Why choose a career at Mercury?
At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance and we can’t imagine a world without it.
Our team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life.
We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals.
Perks and Benefits:
We offer many great benefits, including:
- Competitive compensation
- Flexibility to work from anywhere in the United States for most positions
- Paid time off (vacation time, sick time, 9 paid Company holidays, volunteer hours)
- Incentive bonus programs (potential for holiday bonus, referral bonus, and performance-based bonus)
- Medical, dental, vision, life, and pet insurance
- 401 (k) retirement savings plan with company match
- Engaging work environment
- Promotional opportunities
- Education assistance
- Professional and personal development opportunities
- Company recognition program
- Health and wellbeing resources, including free mental wellbeing therapy/coaching sessions, child and eldercare resources, and more
Mercury Insurance is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.
Pay Range: USD $44,466.00 - USD $77,881.00 /Yr.
See all OPT Property Claims Specialist Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Property Claims Specialist Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as a Property Claims Specialist
Target regional and national carriers first
Large insurance carriers like Allstate, Travelers, and State Farm have structured sponsorship programs and dedicated immigration teams. They process far more H-1B visa petitions annually than smaller independent adjusting firms, making them more reliable sponsorship bets for OPT students.
Clarify your OPT timeline upfront
Be transparent that you have 12 months of OPT remaining, or up to 36 months with a STEM extension if your degree qualifies. Employers need this context to assess whether there is enough runway to file an H-1B petition before your authorization expires.
Frame your degree as a specialty occupation match
Property claims roles require analytical judgment that USCIS recognizes as qualifying specialty work when tied to a relevant degree. Emphasize your finance, business, or engineering background to help employers see the H-1B connection clearly before they consult immigration counsel.
Ask about H-1B sponsorship before accepting an offer
Do not wait until onboarding to raise visa sponsorship. Ask during the offer stage whether the company has sponsored H-1B petitions before and whether they work with immigration attorneys. An employer without that infrastructure is a serious risk for your long-term status.
Pursue insurance certifications during OPT
Credentials like the Associate in Claims designation strengthen your specialty occupation case and signal commitment to the field. Employers are more likely to invest in sponsorship for candidates who demonstrate professional development intent beyond just satisfying immediate hiring needs.
Use Migrate Mate to filter for OPT-friendly roles
Migrate Mate surfaces Property Claims Specialist jobs from employers with documented sponsorship history. Filtering by sponsorship track record saves time and helps you prioritize outreach to companies already familiar with F-1 OPT work authorization and H-1B filing timelines.
Property Claims Specialist OPT: Frequently Asked Questions
Can F-1 OPT students work as Property Claims Specialists legally?
Yes. Property Claims Specialist roles fall within the scope of insurance, finance, and risk management, which are recognized specialty occupation fields. As long as your OPT work authorization is active and the job aligns with your degree field, you can work in this role without any additional USCIS approval beyond your EAD card.
Does a Property Claims Specialist role qualify for an H-1B visa after OPT?
Generally yes, when the role requires a bachelor's degree or higher in a specific field such as finance, business administration, or risk management. USCIS evaluates this case by case, and the strength of the petition depends on how clearly the employer documents the degree requirement. Working with an experienced immigration attorney improves the outcome significantly.
Am I eligible for a 24-month STEM OPT extension in a claims role?
It depends on your undergraduate degree, not the job title. If your degree is in a qualifying STEM field such as statistics, actuarial science, or information systems, and your employer is enrolled in E-Verify, you can apply for the 24-month extension. Many insurance employers do meet the E-Verify requirement, but confirm this with your employer before applying.
How do I find Property Claims Specialist employers who sponsor visas?
Migrate Mate is the most efficient way to find Property Claims Specialist roles from employers with OPT and H-1B sponsorship history. Rather than cold-applying broadly, you can focus on employers who have already navigated F-1 work authorization before, which dramatically increases your chances of reaching the offer and sponsorship stage.
What happens to my OPT authorization if my claims role ends before I find a new employer?
F-1 OPT students are allowed up to 90 days of unemployment during the standard OPT period, and up to 150 days during the STEM extension. If your role ends, you need to report the job change to your DSO promptly and update your SEVIS record. Exceeding the unemployment cap puts your F-1 status at risk, so prioritize finding a replacement role quickly.