Sr. Examiner, Homeowner Claims Multi-State - Remote

MaineGuide; Northern (KY); Hybrid; USD 51,000 - 69,000; Full time

Benefits offered by this job

Remote-first culture

Annual bonus eligibility

401(k) with company match

Flexible workplace

Job summary

CSAA Insurance Group, a AAA insurer, is actively hiring for a Sr. Examiner, Homeowner Claims Multi-State - Remote.

In this role you will investigate, evaluate, negotiate, and settle homeowners property and personal property claims from first notice of loss through resolution, serving as the owning adjuster on assigned files. You will coordinate with independent adjusters, inspectors, and contractors, write settlement letters, and maintain compliant, timely claim documentation while upholding

Qualifications

• High school diploma or equivalent required.
• Six years of related professional experience or four years of claims experience, preferably homeowners.
• Bachelor's degree may substitute for up to two years.
• Ability to obtain/maintain DOI adjuster licenses in applicable states.
• Knowledge of homeowners policies, coverage, and claims handling.
• Knowledge of the Xactimate estimating platform.
• Excellent verbal and written communication skills.

Responsibilities

• Investigate, evaluate, negotiate, and settle homeowners claims from first notice of loss through resolution.
• Serve as owning adjuster for all assigned claims, including low- to high-complexity losses.
• Coordinate emergency mitigation services to protect property and ensure customer satisfaction.
• Write and review repair estimates; determine payments and reserves.
• Handle all applicable first-party coverages and escalate complex claims as needed.
• Identify subrogation and SIU opportunities and prepare referrals.
• Manage relationships with independent adjusters, public adjusters, attorneys, contractors, and other partners.
• Conduct virtual inspections and collaborate remotely with customers and vendors.
• Prepare clear claim correspondence and maintain timely documentation and regulatory compliance.

Skills

Communication skills

Verbal communication

Written communication

Education

High school diploma

Bachelor's degree (substitution possible)

Tools

Xactimate

Job description

Job Title

Sr. Examiner, Homeowner Claims Multi-State - Remote

Requisition Number

R7899 Sr. Examiner, Homeowner Claims Multi-State - Remote (Open)

Location

Colorado - Home Teleworkers

Additional Locations

Alabama - Home Teleworkers, Alabama - Home Teleworkers, Arizona - Home Teleworkers, Arkansas - Home Teleworkers, California - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker, Montana - Home Teleworkers {+ 21 more}

Job Information

CSAA Insurance Group (CSAA IG), a AAA insurer, is one of the leading personal lines property and casualty insurance groups in the United States. Here, every employee shapes our mission. We build innovative, human-centered solutions that help AAA members prevent, prepare for, and recover from life's uncertainties. You will join a collaborative, inclusive culture where your strengths have room to grow and your ideas can drive real impact. Step into a role where you can contribute to our shared success through meaningful work.

We are actively hiring for a Sr. Examiner, Homeowner Claims Multi-State - Remote

Your Role

Under close supervision, investigates, evaluates, negotiates, and settles homeowners property and personal property claims from first notice of loss through resolution. Serves as the owning adjuster for all assigned claims, including low- to higher-complexity losses that may require oversight of service providers conducting physical or virtual inspections. May assign, coordinate, and oversee independent adjuster assignments. This developmental role is designed to build the knowledge and skills necessary to progress to the competency level of a Level 5 Homeowner Adjuster.

Your Work

• Manage homeowners property claims from first notice of loss through resolution, handling low- to high-complexity losses.
• Investigate coverage by analyzing policy language, endorsements, and applicable state regulations; communicate coverage decisions and resolve coverage-related questions.
• Coordinate emergency mitigation services to protect property from further damage while delivering a positive customer experience.
• Write and review repair estimates, evaluate contractor estimates, and determine appropriate claim payments and reserves.
• Handle all applicable first-party coverages and Key Operating Losses (KOLs), escalating more complex claims when appropriate.
• Identify subrogation and Special Investigation Unit (SIU) opportunities and prepare referrals as needed.
• Manage relationships with independent adjusters (IAs), public adjusters (PAs), attorneys, contractors, and other external partners throughout the claim lifecycle.
• Conduct virtual claim inspections and collaborate remotely with customers, vendors, and independent adjusters to evaluate damages.
• Prepare clear, timely claim correspondence, including settlement letters, partial denials, and denials.
• Maintain accurate claim documentation and ensure timely, compliant claim handling in accordance with company policies and regulatory requirements.

Required Experience, Education and Skills

• High school diploma or equivalent required.
• Six years of related professional experience with transferable skills or four years of claims experience, preferably in homeowners claims.
• A related bachelor's degree or higher may substitute for up to two years of required experience.
• Ability to obtain and maintain Department of Insurance (DOI) adjuster licenses in applicable states.
• Knowledge of homeowners insurance policies, coverage, and claims handling procedures.
• Knowledge of the Xactimate estimating platform.
• Excellent verbal and written communication skills, including the ability to explain complex coverage decisions and prepare customer correspondence.

What would make us excited about you:

• Bachelor's degree.
• Two years of experience handling complex property claims.
• Knowledge of residential home construction and repair practices.

Please note we are hiring for this role remote anywhere in the United States with the following exceptions: Hawaii and Alaska.

Why Choose a Career at CSAA IG?

At CSAA IG, we are a mission-driven organization proudly committed to empowering our members, our employees, and our communities to thrive.

Recognition:

We offer a total compensation package, annual bonus eligibility for most roles, 401(k) with a company match, and so much more! Read more about what we offer and what it is like to be a part of our dynamic team at https://careers.csaainsurance.aaa.com/us/en/benefits.

Career Growth:

We believe in growth for everyone. Here at CSAA IG, leaders and mentors partner with employees to align interests, unlock development opportunities, and support longterm success.

Flexible Workplace:

We embrace a remote-first culture through our Flexible Workplace. Most employees hold Home-Flex roles, working primarily from home, often with the flexibility to work from various locations including CSAA offices. Our flexible workplace empowers you to balance remote work with intentional inperson moments that deepen connection and collaboration.

Inclusion and Belonging:

An inclusive and welcoming workplace is the cornerstone of our success. By fostering an environment where people feel valued and heard, we deepen our ability to understand and meet the unique needs of our members. This strengthens innovation and enhances our products and services, giving us a competitive edge in the market.

Sustainability:

As climate change leads to more frequent and severe weather events, we are taking bold action to build more resilient communities and reduce our environmental impact.

CSAA is committed to providing reasonable accommodations to qualified applicants and employees with disabilities or other limitations. If you would like to request an accommodation to participate in the job application or interview process, please contact [e-mail]

CSAA does not provide visa sponsorship for this role. Applicants must have authorization to work indefinitely in the US. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

CSAA Insurance Group is an equal opportunity employer.

The national average hourly rate for this position is $37.26-$41.40. However, we have a location-based compensation structure. Our salary ranges vary and are calculated based on work location. The starting pay range for this position across all the states we hire in is $37.26-$49.72. This role also includes an opportunity for a company-wide annual discretionary bonus, through our Annual Incentive Plan (AIP), of up to 10% of eligible pay.This job posting will be unposted on Wed, 2 Sep 2026.