CAT Inside Complex / Coordinated Adjuster

Allstate Northern Ireland Limited; Town of Texas, Northern (WI, KY); Hybrid; USD 54,000 - 95,000; Full time

Job summary

Allstate is seeking a CAT Inside Complex Adjuster to investigate, negotiate and settle moderately to highly complex homeowner claims. This remote role requires analyzing damages, coverage, and regulatory compliance while coordinating with field teams and external partners.

The position emphasizes handling high-severity losses, leveraging technology for virtual investigations, and delivering timely, accurate claim resolutions with empathetic communication.

Qualifications

• 5+ years of property insurance claims handling experience.
• 2+ years handling fire, water, and theft claims including ALE.
• Knowledge of dwelling, contents, ALE, and state coverages.
• Experience with high-severity losses (catastrophe/total losses).
• Ability to analyze policy language and interpret coverage across states.
• Strong analytical and problem-solving skills; customer-focused communication.
• Proficient with estimating and supplements using Xactimate.
• Bilingual skills and/or military experience a plus.

Responsibilities

• Investigate, negotiate, and settle moderately to highly complex property claims.
• Handle claims virtually using advanced technology tools to evaluate damages and coverage.
• Provide empathetic, clear communication throughout the claims lifecycle.
• Negotiate settlements in line with company standards and regulations.
• Coordinate with field adjusters, mitigation vendors, and partners for comprehensive claim handling.

Skills

Property claims

Xactimate

Regulatory compliance

Catastrophe claims

Policy analysis

Education

High School Diploma/GED (Bachelor’s degree preferred)

Tools

Video tools

Digital collaboration tools

Job description

At Allstate, great things happen when our people work together to protect families and their belongings from life’s uncertainties. And for more than 90 years, our innovative drive has kept us a step ahead of our customers’ evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection.

Job Description Summary

This job is responsible for investigating, negotiating, and settling moderately complex claims involving the contents of a homeowner loss such as a fire, water, or theft. The individual handles claims that typically require alternative housing during the restoration of the property. The individual handles claims virtually by leveraging technology tools and virtual resources to conduct a thorough analysis and evaluates damages, determines loss coverage, and authorizes payments

Schedule, Travel & Hiring Locations

Work Schedule: Monday–Friday, 8:00 AM–4:45 PM CT to include rotating weekend coverage every 6–8 weeks; potential mandatory CAT/Large Claim event Location: Fully Remote

This role is responsible for, but not limited to, investigating, negotiating, and settling moderately complex to highly complex property claims involving contents, structure-related exposures, and Additional Living Expense (ALE). Claims often involve high-severity losses, including catastrophe events, total losses, and attorney-represented files. The individual handles claims virtually using advanced technology tools to evaluate damages, interpret policy coverage, ensure regulatory compliance, and deliver timely, accurate claim resolution.

A Day in the Life of a CAT Inside Complex Adjuster

• Handles, but not limited to, escalated, high-severity and complex claims involving contents, structure-related exposures, attorney-represented files, engineering components, and Additional Living Expense (ALE) damages, often tied to catastrophe or total loss events
• Conduct thorough coverage investigations to ensure accurate policy application, including state-specific and non-standard coverages
• Collaborate virtually with field adjusters, mitigation vendors, and external partners using advanced video and digital tools
• Review documentation such as engineering reports and estimates to support claim evaluation and resolution
• Provide empathetic, customer-focused communication throughout the claims lifecycle, especially during high-impact loss situations
• Negotiate settlements in accordance with company standards and regulatory requirements
• Coordinate with structure adjusters and cross-functional teams for comprehensive claim handling
• Use data and analytics to support decision-making and drive claim outcomes

You’re a Great Match for This Role If You:

• Have a High School Diploma/GED (Bachelor’s degree preferred)
• Bring 5+ years of property insurance claims handling experience
• Possess 2+ years of experience handling fire, water, and theft claims, including contents and Additional Living Expense (ALE)
• Demonstrate strong knowledge of multiple coverages, including dwelling, contents, ALE, and state-specific or less common coverages
• Have experience handling complex, high-severity losses, such as catastrophe events, total losses, or large structural damage claims
• Are highly skilled in analyzing policy language, interpreting coverage, and applying it accurately across varying state regulations and compliance requirements
• Demonstrate the ability to adapt quickly to evolving regulatory environments, particularly during catastrophe situations where guidelines may change
• Exhibit strong analytical thinking and problem-solving skills, with the ability to assess damages, evaluate data, and make sound claim decisions
• Show technical proficiency in claims handling, including estimating, supplements, and use of tools such as Xactimate (or similar platforms)
• Provide exceptional customer service, with strong written and verbal communication skills, especially when handling sensitive or complex claims
• Have experience supporting or handling: Field/large loss claims with strong structural exposure Attorney-represented or public adjuster-represented claims Mitigation vendors, including coordination and understanding their role in the claim process
• Are comfortable managing claims end-to-end, including writing estimates, managing supplements, and finalizing settlements
• Thrive in a fast-paced environment and are adaptable, organized, and detail-oriented
• Can work independently while collaborating effectively in a virtual environment
• Have bilingual skills and/or prior military experience (a plus)

Training & Licensing

Training: All licensing costs covered. One month of fully paid training plus up to an additional month of on-the-job training. Ongoing training opportunities for career growth. If offered the role, you will go through virtual training. You will receive ongoing support, mentoring and coaching as you develop your career. Notice of Licensing Requirement: As a condition of employment, your office/area may require you to obtain an adjuster and/or appraiser license which includes passing an additional background check with the Department of Labor. If applicable, you will be required to secure license(s) within 60 days of hire.

Technology & Internet Requirements 50 MBPS download and 5 MBPS upload. In addition, wired internet connections are recommended for optimal experience and may be required for certain customer-facing roles. Note: The preceding description is not designed to be a complete list of all duties and responsibilities. May be required to perform other related duties as assigned. Regular, predictable attendance is an essential function of this job.

Skills

Business Communications, Complex Claims, Information Collection, Large Loss Claims, Property Claims, Xactimate

Compensation

Base compensation offered for this role is $53,500 - $95,000 annually and is based on experience and qualifications

The candidate(s) offered this position will be required to submit to a background investigation.

Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger – a winning team making a meaningful impact.

Allstate generally does not sponsor individuals for employment-based visas for this position. Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component. For jobs in San Francisco, please click “here” for information regarding the San Francisco Fair Chance Ordinance. For jobs in Los Angeles, please click “here” for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance. To view the “EEO Know Your Rights” poster click “here”. This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs. To view the FMLA poster, click “here”. This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint. It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.

Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs. When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload. To help create a more personal and engaging experience, we ask that you join with your camera on if your interview is virtual. Please also have a Valid Photo Identification available at the start of your interview. If you require any accommodations or have questions ahead of your interview please reach out to your recruiter. Note: Internal candidates are only asked to join on video; a Valid Photo Identification is not needed for the interview.

At Allstate, we work hard to help people live a good life every day. Allstaters are dedicated to serving clients, customers, and communities, which allows employees to find meaning and value in their work. Allstate offers an environment that fosters innovative thinking where you’ll be able to explore your ideas and feel proud of the work you do. Allstate helps protect nearly 16 million households with auto, home, life, and retirement products. We want every professional connected to Allstate to be committed to giving our customers the best and that means finding the best talent. We want you to be our next great addition.