Large Loss Property Field Claims Adjuster (Minneapolis, MN)

American Family Insurance Agency Staff; Mankato (MN); Remote; USD 86,000 - 142,000; Full time

Job summary

A leading insurance company is seeking a lead-level claims adjuster to handle complex property claims. This role involves investigating claims, managing customer inquiries, and mentoring junior staff. The position is primarily home-based with occasional travel. Competitive salary range and comprehensive benefits are offered.

Benefits

Comprehensive health benefits

Retirement plans

Paid holidays

Paid time off

Student loan repayment

Paid-family leave

Qualifications

• Minimum of 5 years' experience in field property claims handling.
• Ability to work in diverse conditions, including outdoor elements.

Responsibilities

• Investigate high-exposure claims and manage first-party and third-party claims.
• Conduct on-site inspections and negotiate claims.
• Serve as a mentor for less experienced adjusters.

Skills

Customer-driven solutions

Multi-line claims handling

Policy knowledge

Mentorship

Education

State-specific licensing

Tools

Xactimate

Job description

At American Family Insurance Claims Services (AFICS, Inc.), we're transforming our claims capabilities to prioritize customer focus—protecting and restoring their dreams when they need us most. We leverage expertise, technology, and innovative work methods to reinvent a major industry, creating positive impacts that empower our customers, communities, and company. We are problem solvers who ask critical questions and tackle challenges of all sizes, disrupting traditional insurance expectations.

Position Overview

This is a lead-level role responsible for investigating and handling highly complex property claims. Responsibilities include determining liability, securing information, reviewing coverages, arranging appraisals, and settling claims. The role requires high competency and independence in all claim adjustment activities, primarily in the field, handling complex homeowner property claims. Preferred locations are in or around Minneapolis, MN (south, west, north). We are hiring for 2 positions. A fleet vehicle is provided, and reporting is to a Large Loss Senior Manager.

Work Environment & Compensation

This role is primarily home-based, with approximately 80% of the time spent working remotely or in the field. Occasional travel to office locations for meetings, training, or cultural events may be required.

Position Compensation Range: $86,000 - $142,000

Pay Rate Type: Salary

Note: Compensation varies based on job level and location. Relocation support is available for eligible candidates.

Key Responsibilities

1. Investigate origin and cause of high-exposure claims by contacting relevant parties, checking for prior claims, and recognizing environmental exposures.
2. Participate in High Damage Reviews to address coverage issues and exposure, handling claims in good faith.
3. Manage both first-party and third-party claims across multiple policy types and endorsements.
4. Conduct on-site inspections, evaluate damages, and negotiate claims with insureds, claimants, attorneys, and public adjusters.
5. Respond to customer inquiries, make decisions, and close files efficiently.
6. Interpret policies, leases, bylaws, declarations, articles, and contract coverages, applying them appropriately.
7. Make independent decisions while recognizing when assistance is needed.
8. Communicate claim process and status, answer questions, or redirect as necessary.
9. Serve as a mentor and subject matter expert for less experienced adjusters.

Qualifications & Skills

• Proven ability to handle multi-line claims, including first and third-party, across territories.
• Experience providing customer-driven solutions and support.
• Efficient handling of complex claims with extensive policy knowledge.
• Valid driver’s license and acceptable driving record; ability to obtain state-specific licensing.
• Travel up to 10%, with up to 75% during catastrophe events.
• Physical ability to visit various environments, including climbing, lifting, and maneuvering objects up to 50 pounds.
• Ability to work in diverse conditions, including outdoor elements and noisy or hazardous environments.

Additional Qualifications

• Advanced experience with Xactimate required.
• Minimum of 5 years' experience in field property claims handling.
• Experience handling claims over $50,000 preferred.

Other Details

• Employment contingent on background checks and signing non-disclosure agreements.
• No sponsorship considerations; US work authorization required.
• We encourage applications from passionate individuals, even if all requirements are not met.

Benefits & Diversity

We offer comprehensive health benefits, retirement plans, paid holidays, paid time off, student loan repayment, and paid-family leave. Interns and contingent workers are not eligible for benefits. We are an equal opportunity employer committed to diversity and compliance with all applicable laws.