Large Loss Property Field Claims Adjuster (Washington)

American Family Insurance; Washington; On-site; USD 99,000 - 163,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

1 401(k) plan

Pension plan

Paid holidays

Paid time off

Job summary

American Family Insurance is seeking a lead level Property Claims Adjuster for field-based work in Washington. You will investigate high exposure homeowner claims, determine liability, secure information, and settle claims while spending substantial time in the field and occasionally visiting offices for meetings or trainings.

The role requires advanced Xactimate skills, 5+ years of field personal lines experience, and a valid driver's license with a good driving record.

Qualifications

• 5+ years of experience handling field property personal lines claims.
• Advanced Xactimate experience required.
• Prefer someone who has handled claims over $50,000.
• Valid driver's license and acceptable driving record.
• Obtain state-specific property casualty claims licensing as required.

Responsibilities

• Investigates origin and cause of high exposure claims by contacting insureds, claimants, agents, attorneys, contractors, experts, SIU, other adjusters, etc.
• Checks for prior claims and recognizes environmental exposures.
• Participates in High Damage Reviews (HDR) to address coverage issues and exposure.
• Handles 1st and 3rd party claims under multiple policy types and endorsements.
• Conducts on-site inspections, evaluates damages, and negotiates with insureds, claimants, attorneys, public adjusters.
• Responds to customer inquiries, makes decisions, and closes files as needed.
• Mentors less experienced adjusters.

Skills

Field claims handling

Customer service

Independent judgment

Mentoring

Communication

Tools

Xactimate

Job description

Lead level role that investigates and maintains highly complex property claims. Determine liability, secure information, reviews coverages, arrange appraisals, and settles claims. Demonstrate experience to perform all areas of claim adjustment activities with the highest degree of competency and independence. You will work in the field and handle complex homeowner property field claims. You will need to be located in the state of Washington. A fleet vehicle is provided with the position. You will report to a Large Loss Senior Manager. In this primarily field-based role, you will spend your time working in the field, directly interacting with customers. On occasion, you may be asked to travel to an office location for in person engagement activities such as team meetings, trainings, and culture events. Position Compensation Range: $99,000.00 - $163,000.00 Pay Rate Type: Salary Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates.

Primary Accountabilities

• Investigates origin and cause of high exposure claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc.
• Checks for prior claims and recognizes environmental exposures.
• Participates in High Damage Reviews (HDR) to address coverage issues and exposure.
• Handles claims on a good faith basis.
• Handles both 1st party and 3rd party claims under multiple policy types and numerous endorsements.
• Conducts on-site inspections when needed, evaluates damages and handles claim negotiations with insureds, claimants, attorneys, public adjusters.
• Responds to customer inquiries, makes appropriate decisions, and closes file as needed.
• Interprets and determines policies, leases, by-laws, declarations, articles, and contract coverages and applies to all parties for assigned losses.
• Interprets claim history coverages.
• Makes independent decisions but recognizes when assistance is needed.
• Proactively provides all parties with claim process and status as appropriate; answers questions or redirects to other areas.
• Serves as a mentor and subject matter expert for less experienced adjusters.
• May be required to complete other assignments, job duties, or participate in projects based upon skills, achievements, or experience.

Specialized Knowledge & Skills Requirements

• Demonstrated ability to handle 1st and 3rd party, multi-line claims across our operating territories.
• Demonstrated experience providing customer-driven solutions, support or service.
• Demonstrated ability to efficiently and effectively handle complex claims.
• Extensive knowledge of policies and endorsements coverages.
• Successfully applied knowledge of each phase of the claim handling process.

Additional Qualifications

• Advanced Xactimate experience required.
• 5 or more years’ experience handling field property personal lines claims required.
• Prefer someone who has handled claims over $50,000.

Licenses

• Valid driver's license required plus an acceptable driving record.
• Obtain state specific property casualty claims licensing as required.

Travel Requirements

• Up to 50%.
• Catastrophe travel up to 75% as applicable.

Physical Requirements

• Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like.
• This position may require employees to visit areas that have a higher hazard than a typical office such as customer homes, body shops, or other locations.
• Moving self in different positions to accomplish tasks in various environments including tight and confined spaces.
• Adjusting or moving objects up to 50 pounds in all directions.

Working Conditions

• Low temperatures.
• High temperatures.
• Outdoor elements such as precipitation and wind.
• Noisy environments.
• Hazardous conditions.
• Poor ventilation.
• Small and/or enclosed spaces.

Additional Information

To ensure a strong start, all employees participate in our New Employee Orientation during their first week. This experience is held in person at our Madison, WI Headquarters or one of our AmFam core locations to help you connect with our mission, meet key team members and build relationships that support your growth. At times, sessions may be delivered virtually based on scheduling and availability.

Offer to selected candidate will be made contingent on the results of applicable background checks. Offer to selected candidate is contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions. Sponsorship will not be considered for this position unless specified in the posting. The candidate(s) selected for this role will be employed by AFICS, Inc. (American Family Insurance Claims Services, Inc.), an affiliate of American Family Mutual Insurance Company, S.I.

We provide benefits that support your physical, emotional, and financial wellbeing. You will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health. We also offer a competitive 401(k) contribution, a pension plan, a annual incentive, 9 paid holidays and a paid time off program (23 days accrued annually for full-time employees). In addition, our student loan repayment program and paid-family leave are available to support our employees and their families. Interns and contingent workers are not eligible for American Family Insurance Group benefits.

We are an equal opportunity employer. It is our policy to comply with all applicable federal, state and local laws pertaining to non-discrimination, non-harassment and equal opportunity. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law. American Family Insurance is committed to the full inclusion of all qualified individuals. If a reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please email [e-mail] to request a reasonable accommodation.

#LI-JM1 American Family Insurance, based in Madison, Wis., has been serving customers since 1927. We inspire, protect and restore dreams through our insurance products, exceptional service from our agency owners and employees, community investments and creative partnerships. American Family Insurance is the nation’s 12th-largest property/casualty insurance company, ranking No. 202 on the Fortune 500 list. American Family has a current 'a+' credit rating through AM Best, and has distinction as a "Standing the Test of Time" company, which is represented by having an AM Best financial strength rating of 'A' or better for at least 75 years. The company offers American Family-brand products through a network of exclusive agency owners as well as nationwide through key strategic partnerships. American Family Insurance also includes Homesite and Main Street America Insurance. The company has approximately 10,500 employees nationwide. Join our Talent Community