Senior Homeowners Liability Claims Adjuster (Primarily Home)

American Family Insurance Agency Staff; Denver (CO); Remote; USD 68,000 - 113,000; Full time

Job summary

A leading insurance company seeks a Senior Homeowner Liability Claims Adjuster to manage complex homeowner claims. This role involves investigating claims, determining liability, and mentoring junior adjusters, primarily in a home-based setting. Candidates should have extensive knowledge of claims processes and at least 5 years of relevant experience.

Benefits

Comprehensive medical, dental, and vision benefits

401(k) and pension plan

Paid holidays and time off (23 days/year)

Student loan repayment program

Paid family leave

Qualifications

• 5+ years of experience handling liability claims preferred.
• Extensive knowledge of policies and endorsements.
• Experience handling simple to moderately complex claims.

Responsibilities

• Investigate origin and cause of claims by contacting appropriate parties.
• Interpret and determine policies, leases, by-laws, declarations, and contract coverages.
• Serve as a mentor and subject matter expert for less experienced adjusters.

Skills

Customer-driven solutions

Handling Third-Party claims

Property Damage Liability claims

Claim handling process knowledge

Education

State-specific property casualty claims licensing

Job description

As a Senior Homeowner Liability Claims Adjuster, you will investigate and maintain highly complex homeowner claims. You will determine liability, secure information, review coverages, arrange appraisals, and settle claims. Demonstrate experience to perform all areas of claim adjustment activities with the highest degree of competency and independence. You will specialize in homeowner liability and structural property damage claims, with opportunities to expand into commercial liability claims. You will report to a Senior Manager, Adjusting Services.

In this primarily home-based role, you will spend 80% of your time (4+ days per week) working from home. Candidates must reside near: Madison, WI; Boston, MA; Minneapolis, MN; Denver, CO; Phoenix, AZ; Keene, NH; St. Joseph, MO; Atlanta, GA.

Position Compensation Range: $68,000.00 - $113,000.00

Pay Rate Type: Salary

Compensation may vary based on job level and geographic location. Relocation support is offered for eligible candidates.

Primary Accountabilities:

1. Investigate origin and cause of claims by contacting appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, the special investigation unit, other adjusters, public personnel, etc.
2. Identify complex issues and seek assistance as needed. Handle claims on a good faith basis.
3. Handle Third-Party Structural Property Damage Liability claims under multiple policy types and endorsements.
4. Respond to customer inquiries, make appropriate decisions, and close files as needed.
5. Interpret and determine policies, leases, by-laws, declarations, articles, and contract coverages; apply to all parties for assigned losses.
6. Make independent decisions and self-supervise most files; recognize when assistance is needed.
7. Proactively provide claim process and status updates; answer questions or redirect as appropriate.
8. Serve as a mentor and subject matter expert for less experienced adjusters.
9. Complete other assignments, job duties, or participate in projects based on skills, achievements, or experience.

Specialized Knowledge & Skills Requirements:

1. Experience providing customer-driven solutions, support, or service.
2. Experience handling Third-Party, multi-line, and Property Damage Liability claims.
3. Experience handling simple to moderately complex claims.
4. Extensive knowledge of policies and endorsements.
5. Extensive knowledge of each phase of the claim handling process.
6. 5+ years of experience handling liability claims preferred.

Licenses:

• Obtain state-specific property casualty claims licensing as required.

Travel Requirements:

• Up to 10%

Physical Requirements:

• Primarily sitting/standing work.

We encourage you to apply even if you do not meet all listed requirements. Skills can be applied in many ways, and your experience may be relevant beyond the listed criteria. We welcome passionate applicants!

We offer benefits supporting your physical, emotional, and financial wellbeing, including comprehensive medical, dental, vision, wellbeing benefits, a competitive 401(k), pension plan, annual incentive, paid holidays, and paid time off (23 days/year). Our programs also include student loan repayment and paid-family leave. Interns and contingent workers are not eligible for these benefits.

We are an equal opportunity employer, committed to compliance with all applicable laws regarding non-discrimination, non-harassment, and equal opportunity. Qualified applicants with criminal histories are considered in accordance with law.