Catastrophe Inside Adjuster - National General

Allstate; United States; Remote; USD 56,000 - 104,000; Full time

Job summary

National General, part of The Allstate Corporation, is seeking a Catastrophe Inside Adjuster to manage homeowner loss claims remotely from home across most U.S. time zones.

Responsibilities include investigating, negotiating, and settling complex claims for contents, ALE, and dwelling coverages using Xactimate and digital tools. The role requires 5+ years of property claims experience, CST-hour availability, and strong customer service.

Qualifications

• High School Diploma or GED; Bachelor’s degree preferred.
• 5+ years of property insurance claims handling experience.
• 2+ years in Fire/Water/Theft contents and ALE claims.
• Experience with Xactimate or similar estimating software.

Responsibilities

• Handle claims virtually from home with CST hours and flexibility.
• Resolve moderately complex contents and ALE claims.
• Conduct coverage investigations and evaluate damages.
• Collaborate with onsite vendors via video tools.
• Negotiate settlements and coordinate with structure adjusters.
• Provide empathetic, customer service throughout the process.
• Use data and analytics to support decision-making.
• Complete licensing steps and participate in ongoing training.

Skills

Business Communications

Catastrophic Claims

Critical Thinking

Document Examination

Fraud Investigations

Prioritization

Xactimate

Education

High School Diploma/GED

Bachelor's degree preferred

Tools

Xactimate

Job description

National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers' evolving needs. We offer home, auto and accident and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers.

Schedule, Travel & Hiring Locations

• Work Arrangement: Fully remote; open to any U.S. time zone (excluding CA, AK, HI, WA, and PR).
• Schedule: 5/2 model - Monday through Friday, with flexibility between 7AM-7PM CT. Must be able to adjust as needed, including occasional weekends, based on volume and event activity.
• Travel: Occasional travel, up to 10%.

This job is responsible for investigating, negotiating, and settling moderately complex and occasionally complex claims involving the contents of a homeowner loss such as 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.

A day in the life of an Catastrophe Inside Adjuster:

• Spend your day handling claims virtually from home.
• Handle escalated, complex claims involving contents, structure supplements, and/or additional living expense (ALE) damages.
• Conduct thorough coverage investigations to ensure correct policy application.
• Collaborate virtually with onsite vendors via advanced video technology to assess damages and prepare contents estimates.
• Provide empathetic, customer-focused communication throughout the claims process.
• Negotiate settlements in accordance with company standards.
• Coordinate with structure adjusters for comprehensive claim handling.
• Use data and analytics to support decision-making.

This role involves taking care of customers in their times of need. As a result, you must be willing to work some weekend and extended hours if necessary.

Training & Licensing

• 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 an 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. If required, the Hiring Manager will work with you, along with the Centralized Licensing team, to ensure you are properly licensed.

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 specifically related to Fire, Water, and Theft claims for Contents and Additional Living Expenses (ALE).
• Have strong knowledge of all dwelling coverages, including UPP and ALE, with the ability to handle end-to-end claim processes-writing estimates, managing supplements, and finalizing claims.
• Are familiar with working alongside Pilot adjusters and understand their workflow.
• Have experience using Xactimate or similar estimating software for complex contents estimating.
• Can work Central Standard Time hours.
• Thrive in a fast-paced claims environment and are adaptable, organized, and detail-oriented.
• Demonstrate strong customer service skills with excellent written and verbal communication.
• Are able to work independently from a home environment.
• Have bilingual skills and/or prior military experience (a plus).
• Ideally possess comprehensive knowledge across all coverages.

Sign-On Bonus

Eligible for a $1,000 Licensing Sign-On Bonus if you possess applicable active licenses (e.g., Home Resident Property & Casualty License, DHS Florida or Texas License, Appraiser License). Former Allstate employees seeking rehire are not eligible for this bonus.

Technology & Internet Requirements

• Access to modem and internet connection required.
• Dedicated, distraction-free workspace in your home required.
• Remote employees are eligible for internet reimbursement (minimum speeds: 50 MBPS download / 5 MBPS upload).

Note: This description is not intended to be a complete list of all duties. Additional responsibilities may be assigned as needed. Regular, predictable attendance is an essential function of this job.

Skills

• Business Communications
• Catastrophic Claims
• Critical Thinking
• Document Examination
• Fraud Investigations
• Prioritization
• Xactimate

Compensation

Base compensation offered for this role is $56,000 - $104,000 annually and is based on experience and qualifications.

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