CAT Inside Complex / Coordinated Adjuster

Allstate; United States; On-site; USD 70,000 - 105,000; Full time

Benefits offered by this job

Licensing costs covered

Paid training

Remote work

Job summary

Allstate is seeking an experienced CAT Inside Complex Adjuster to investigate, negotiate, and settle high‑severity homeowner claims remotely. You will handle contents, structure exposures, and ALE, often including catastrophe events, utilizing advanced tools for thorough analysis and timely resolutions.

Ideal candidates have 5+ years of property claims handling, strong policy interpretation skills, and proficiency with Xactimate.

Qualifications

• 5+ years of property insurance claims handling experience.
• 2+ years handling fire, water, and theft claims, including ALE.
• Strong knowledge of dwelling, contents, ALE, and state coverages.
• Experience with high-severity losses and catastrophe events.
• Ability to interpret policy language and ensure regulatory compliance.
• Proven analytical thinking and data-driven decision making.

Responsibilities

• Investigate, negotiate, and settle moderately to highly complex property claims.
• Handle contents, structure-related exposures, and ALE across virtual workflows.
• Review engineering reports and estimates to support claim decisions.
• Collaborate with field adjusters, mitigation vendors, and partners remotely.
• Write estimates, manage supplements, and finalize settlements.
• Provide empathetic, clear communication with customers throughout the lifecycle.
• Utilize data and analytics to drive claim outcomes and adhere to regulatory requirements.

Skills

Property claims handling

Policy interpretation

Xactimate

Data analysis

Customer service

Communication skills

Regulatory compliance

Bilingual skills (a plus)

Education

High School Diploma or GED

Bachelor's degree (preferred)

Tools

Xactimate

Estimating software

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

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
• This role involves supporting customers during critical moments. Flexibility to work weekends and extended hours during catastrophe events is required.

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

• All licensing costs covered.
• One month of fully paid training plus up to an additional month of on-the-job training.

Ongoin