Sr. Field Adjuster, Homeowner Claims - Modesto, CA (Local)

501 CSAA Insurance Services, Inc.; California; Hybrid; USD 54,000 - 71,000; Full time

Benefits offered by this job

Annual bonus eligibility (up to 10%)

Remote-first culture

Flexible workplace

Job summary

CSAA Insurance Group is seeking a Sr. Field Adjuster for Homeowner Claims based in Modesto, CA. This remote-first role involves investigating and settling homeowners' property claims with travel to sites as needed, and advancing to a Level 5 competency over time.

You’ll handle moderate-to-high severity claims, inspect properties, estimate repairs with Xactimate, and coordinate with contractors. Requires strong experience, a valid license, and knowledge of homeowner policies.

Qualifications

• Requires 6+ years related professional experience with transferrable skills.
• 4+ years claims experience with preferred emphasis on homeowner claims.
• Knowledge of Xactimate repair estimating system.
• A valid driver’s license and insurable driving record or alternative transportation to safely transport large and/or heavy equipment between sites is required.

Responsibilities

• Investigate and evaluate property loss claims of moderate-high severity in the field and virtually.
• Photograph and inspect damaged dwellings, structures, and personal property with insured or third parties.
• Determine scope of repairs and prepare repair bids using Xactimate.
• Negotiate and settle dwelling or other structure damages after coverage analysis.
• Coordinate with Network Repair Program contractors or insured's contractors when needed.
• Travel as required for role and participate in meetings and onboarding activities.

Education

High school diploma

Tools

Xactimate

Job description

Job Title Sr. Field Adjuster, Homeowner Claims - Modesto, CA (Local)

Requisition Number R8066

Location: California - Home Teleworkers, Additional Locations: Modesto, CA, surrounding areas.

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.

Your Role:

• As a Sr. Field Adjuster, Homeowner Claims, you will obtain and record required loss information from the insured.
• Under close supervision, you will investigate, evaluate, negotiate, and settle homeowners’ property/personal property claims, including adjustment to conclusion; involves low- to higher-complexity claims that typically require physical inspection.
• You will be the owning adjuster for all claims assigned at the Field Adjuster level.
• In this role, you will be expected to progress to the competency level of a Level 5 Homeowner Adjuster.
• May be required to assign, coordinate, and oversee independent adjuster assignments.

Please note that this is a remote position located in Modesto, CA or surrounding areas. Local travel will be required.

Your Work:

• Investigate and evaluate all elements of property loss claims of moderate-high severity both in the field and virtually.
• Contact and meets with the insured or 3rd party virtually or in-person to photograph and inspect all damaged dwellings, other structures, and personal property.
• Determines scope of repairs.
• Prepares a repair bid using Xactimate estimating system.
• Comes to an agreed cost of repair with the insured, and possibly Network Repair Program contractor (NRP) or insured's contractor.
• Follows the repair process to conclusion.
• With the assistance of experts where needed, ensures that the cause of the loss is thoroughly investigated and identified.
• Settles and pays dwelling or other structure damages once the coverage analysis is completed.
• Handles all correspondence to ensure the file is regulatory compliant.
• Actively shapes our company culture (e.g., participating in employee resource groups, volunteering, etc.)
• Lives into cultural norms (e.g., willing to have cameras when it matters: helping onboard new team members, building relationships, etc.)
• Travels as needed for role, including divisional / team meetings and other in-person meetings
• Fulfills business needs, which may include investing extra time, helping other teams, etc.

Required Experience, Education and Skills:

• Requires 6+ years related professional experience with transferrable skills.
• 4+ years claims experience with preferred emphasis on homeowner claims.
• High school diploma required.
• Related bachelor’s degree or higher may be in lieu of 2 years experience.
• Knowledge of Xactimate repair estimating system.
• Knowledge of homeowner policies and procedures.
• A valid driver’s license and insurable driving record or alternative transportation to safely transport large and/or heavy equipment between sites is required.

What would make us excited about you:

• Bachelor Degree or combination on education and experience.
• 2+ years field experience.
• Knowledge of home construction.

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 long-term 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 in-person 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 Insurance Group is an equal opportunity employer. #LI-CH1 #HP_RX

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.).

The national average hourly rate for this position is $38.88-$43.20.

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 $38.88-$51.88.

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 Sat, 31 Oct 2026.

About CSAA Insurance Group CSAA Insurance Group offers automobile, home and other personal lines of insurance to AAA Members in 23 states and the District of Columbia. Founded in 1914, the company has been rated "A" or better by AM Best for more than 90 years and, with over $8 billion in revenue, is one of the top personal lines property casualty insurance groups in the United States. Guided by care for people and communities, we cultivate an inclusive and flexible culture that strengthens connection, supports belonging, and empowers employees to make a meaningful difference for those we serve.

Our Enduring Purpose We help our members and communities prevent, prepare for and recover from life's uncertainties with care and compassion. As a member-owned insurance company, our enduring purpose inspires us to be a voice for industry change, continually delivering AAA members peace of mind, providing employees the chance to do work that makes a real difference.

For more information on CSAA, please visit www.csaa-insurance.aaa.com Careers at CSAA Insurance Group A career at CSAA is built one development opportunity at a time, driven by your interests and by leaders who invest in you. Through mentoring, leadership programs, tuition support and hands-on experiences, you can build a purpose-driven path with meaningful impact. We prioritize human connection for the AAA members and commercial partners we serve and the employees who bring our shared mission to life. We build a culture of inclusion and belonging that supports community for all. We prioritize people over places, creating a flexible workplace where 95% of employees work remotely and gather in-person for moments that matter. We take responsibility for the world around us by serving our communities and supporting meaningful action to build a sustainable future. For more information on life at CSAA, please visit https://careers.csaa-insurance.aaa.com/us/en/