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

CSAA Insurance Services; United States; Remote; USD 85,000 - 120,000; Full time

Job summary

CSAA Insurance Group (CSAA IG) in Modesto, CA is hiring a Senior Field Adjuster for Homeowner Claims. In this role you will investigate, evaluate, negotiate, and settle property claims with moderate to high complexity, involving on-site and virtual inspections.

You will progress toward Level 5 Homeowner Adjuster, travel as needed, and collaborate with teams. A valid license, Xactimate knowledge, and a bachelor’s degree or equivalent experience are preferred.

Qualifications

• 6+ years related professional experience.
• 4+ years claims experience with homeowner emphasis.
• Knowledge of Xactimate repair estimating system.
• Knowledge of homeowner policies and procedures.
• A valid driver's license and insurable driving record.

Responsibilities

• Investigate and evaluate all elements of property loss claims of moderate-high severity in the field and virtually.
• Photograph and inspect damaged dwellings, other structures, and personal property with insured or 3rd party.
• Prepare a repair bid using Xactimate estimating system and determine scope of repairs.
• Negotiate agreed cost of repair with insured and contractors.
• Follow the repair process through to conclusion and ensure regulatory compliance.

Skills

Investigation skills

Policy knowledge

Education

High school diploma

Bachelor's degree or higher

Tools

Xactimate

Job description

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

Requisition Number: R8066 Sr. Field Adjuster, Homeowner Claims - Modesto, CA (Local) (Open)

Location: California - Home Teleworkers

Additional Locations

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. Field Adjuster, Homeowner Claims - Modesto, CA.

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.
• Contacts 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!
• 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.
• Inclusion and Belonging: An inclusive and welcoming workplace ... (truncated)

By fostering an environment where pe