Claims Adjuster II, Field Property - National Catastrophe - Western US ($5000 Sign-on Bonus)

Nationwide Insurance; Denver (CO); Remote; USD 60,000 - 80,000; Full time

Job summary

A leading insurance provider is seeking a Field Claims Specialist to manage property claims resulting from catastrophic events. This role requires extensive travel and the ability to work in high-pressure environments. The ideal candidate will have experience in insurance claims handling, strong communication skills, and proficiency with claims estimating tools. A sign-on bonus is offered for external candidates.

Benefits

Sign-on bonus of $5000

Medical/dental/vision coverage

401(k) with company match

Paid time off and holidays

Qualifications

• 3-5 years of related property claims experience preferred.
• Ability to manage claims of varying complexity.
• Experience working on site in a catastrophe environment.

Responsibilities

• Conduct on-site inspections are required.
• Evaluate property damages and determine policy coverage.
• Provide proactive communication with customers throughout the claim process.

Skills

Insurance field/property claims handling

Proficiency with Xactimate

Estimate writing experience

Customer service competency

Strong communication skills

Education

Undergraduate degree or equivalent experience

Job description

Overview

If you’re passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide, “on your side” goes beyond just words. Our customers are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.

This is a field-based role on the National Catastrophe Response Team. This position is responsible for managing property claims in response to catastrophic events across the country. As a field-based adjuster, you will be deployed to areas impacted by large-scale disasters—such as hurricanes, tornadoes, floods, or other major events—to assess damages, support policyholders, and help communities begin the recovery process. The role requires extensive travel (up to 80%), often on short notice, and the ability to work in high-pressure, fast-paced environments for extended periods.

You will regularly engage in direct, and at times, emotionally charged conversations with customers—clearly explaining coverage decisions, setting expectations, and delivering difficult news with empathy and professionalism. The ability to remain composed and compassionate in the face of loss, frustration, or uncertainty is essential. Strong communication skills and emotional resilience are critical, as you’ll be guiding customers through some of the most challenging moments of their lives.

In this role, you’ll conduct on-site inspections, evaluate property damages, determine policy coverage, and make timely, accurate decisions using a variety of tools and resources, including vendor estimates, independent adjusters, and self-written assessments. You\'ll also be responsible for full file ownership, maintaining appropriate reserves, managing claim activity (including supplements and requests for depreciation), ensuring compliance with internal standards and regulatory requirements, and providing proactive communication with external customers throughout each stage of the claim. Collaboration with internal teams such as Special Investigations and Subrogation may be required to identify fraud or recovery opportunities. Staying current on industry repair practices, regional pricing trends, and legal developments is key to success. This is a demanding, customer-facing role that requires a unique blend of technical expertise, critical thinking, and emotional intelligence. Candidates should be comfortable working independently in disaster zones, managing a high volume of claims, working 12 hours a day, up to 21 days in a row, and adapting quickly to evolving priorities. If you’re driven by purpose, thrive under pressure, and want to make a meaningful impact during times of crisis, this role offers a challenging and deeply rewarding opportunity.

Responsibilities

• On-site inspections, damage evaluation, policy coverage determination, and timely, accurate decisions using various tools and resources (vendor estimates, independent adjusters, and self-written assessments).
• Full file ownership, reserve management, claim activity oversight (including supplements and depreciation requests), and compliance with internal standards and regulatory requirements.
• Proactive communication with external customers throughout each stage of the claim.
• Collaboration with internal teams (e.g., Special Investigations, Subrogation) to identify fraud or recovery opportunities.
• Stay informed on industry repair practices, regional pricing trends, and applicable legal developments.
• Manage high-volume catastrophe claims in disaster zones, often with extended hours and rapid priority shifts.

Qualifications and Skills

• Prior insurance field/property claims handling or adjusting experience
• Proficiency with Xactimate
• Prior estimate writing experience
• Ability to handle claims of varying complexity from start to finish
• Prior experience working on site in a catastrophe environment
• Ability to carry a ladder and climb a roof
• Strong customer service competency
• Strong written and verbal communication skills

Compensation and Benefits

A $5000 SIGN-ON BONUS will be given to all external candidates hired into this role. Half of the bonus will be paid after 3 months of employment and the remainder after 9 months of employment.

Job Description Summary The job description emphasizes serving customers and building relationships. As a NATCAT Field Claims Specialist supporting Personal Lines, you\'ll investigate and resolve moderate to severe property damage claims by phone.

Job Details

Reporting Relationships: Reports to Claims Manager. Individual contributor role.

Typical Skills and Experiences

Education: Undergraduate degree or equivalent experience. License/Certification/Designation: State licensing where required. Successful completion of required/applicable claims certification training/classes. Experience: Three to five years of related property claims experience or comparable job-related experience, or education preferred. Customer service experience with flexible schedules and extended hours preferred. Commercial claims property experience preferred.

Knowledge, Abilities and Skills: General knowledge of insurance theory and practices; contracts and their application; property estimating and automated claims systems. Investigative, consultation, and settlement abilities for extensive property damage claims. Ability to communicate effectively with policyholders, claimants, repair personnel, attorneys, agents, and the public. Ability to safely access rooftops and perform physical inspections up to 8/12 pitch.

Other criteria may take precedence. Staffing exceptions must be approved by the business unit executive and HR Business Partner. Values: Nationwide Values and Guiding Behaviors. Job Conditions: Overtime Eligible: Not Eligible (Exempt). Working Conditions: Normal office or field claims environment; ability to sit and operate phone and PC; may climb ladders, work outdoors, travel, on-call, CAT. Must have a valid driver’s license and satisfactory driving record. ADA: See notes. Credit/Background Check: A valid credit check and/or background check will be required.

Applications accepted until 10/07/2025. Benefits include medical/dental/vision, life insurance, disability coverage, paid time off, holidays, 401(k) with company match, and more. Nationwide is an equal opportunity employer and supports an inclusive culture.