Sr. Large Loss Adjuster, Homeowner Claims - Remote

CSAA; California (MO); Remote; USD 100,000 - 133,000; Full time

Benefits offered by this job

401(k) with company match

Annual bonus eligibility

Remote-friendly / Flexible workplace

Job summary

CSAA Insurance Group is seeking a Sr. Large Loss Adjuster for Homeowner Claims, remote across the United States.

You will own 1st‑party property losses with settlement authority up to $250,000 for structural damage and guide investigations with SIU, Subrogation, and counsel as needed, across multiple states. Requires 5–10 years of homeowner claims experience (3+ years on Total Loss), strong negotiation and communication skills, and proficiency with estimating tools such as Xactimate.

Qualifications

• 5-10 years of homeowner claims experience.
• 3+ years handling Homeowner Total Loss claims.
• High School diploma or GED.

Responsibilities

• Own 1st-party property losses with settlement authority up to $250,000.
• Evaluate personal property losses for dwelling claims.
• Handle claims up to policy limits for all 1st-party coverages.
• Develop structural repair bids using approved estimating systems.
• Work with insureds, contractors, public adjusters and attorneys to resolve complex claims.
• Travel for role and participate in catastrophe responses as needed.

Skills

Claims experience

Analytical skills

Negotiation

Communication

Time management

Problem solving

Education

High School Diploma or GED

BA/BS or equivalent

Tools

Xactimate

Job description

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Job Title

Sr. Large Loss Adjuster, Homeowner Claims - Remote

Requisition Number

R8024 Sr. Large Loss Adjuster, Homeowner Claims - Remote (Open)

Location

California - Home Teleworkers

Additional Locations

Arizona - Home Teleworkers, Colorado - Home Teleworkers, Nevada - Home Teleworkers, Utah - Home Teleworkers

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. Large Loss Adjuster, Homeowner Claims - Remote

Your Role

With limited supervision, is responsible for full ownership of 1st-party property losses without limit and has settlement authority up to $250,000 in structural damage. With supervision oversight, handles claims up to policy limits for all 1st-party coverages. Provides direction regarding the investigation of the loss and will work with representatives from SIU, Subrogation, Bureau Litigation and Claims Coverage Question Unit as needed in completing this task; responsible for providing recommendations to management pertinent to these losses. Additionally, works with insureds, contractors, public adjusters and attorneys to resolve highly complex claims to conclusion throughout all states where CSAA IG provides homeowner policies. Responsible for developing structural repair bids using approved estimate writing program for claims classified as large losses. May be required to respond to catastrophe situations outside of normal work area.

Your Work

• Responsible for full ownership of 1st-party property losses without limit and has settlement authority up to $250,000 in structural damage.
• Responsible for evaluation of personal property losses associated with dwelling losses.
• Handles claims up to policy limits for all 1st-party coverages.
• May handle desk claims.
• Provides direction regarding the investigation of the loss and will work with representatives from SIU and Subrogation as needed in completing this task; responsible for providing recommendations to management pertinent to these losses.
• Works with insureds, contractors, public adjusters and attorneys to resolve highly complex claims to conclusion.
• Responsible for developing structural repair bids using Xactimate.
• May handle multiple states and must understand the laws and regulations of each.
• Assesses building damage, decides the scope of necessary repairs and writes an estimate to rebuild the home.
• Negotiates with insureds, contractors, engineers and public adjusters to arrive at an agreed cost-of-repair.
• Consults with outside legal counsel on complex coverage issues.
• May be required to respond to catastrophe situations outside of normal work area.
• Actively shapes our company culture (e.g., supporting employee resource groups, mentoring employees, volunteering, joining cross-functional projects).
• Champions our cultural norms (e.g., willing to have cameras when it matters: helping onboard new team members, building relationships, etc.).
• Demonstrates a company ownership mindset, thinking beyond boundaries of their own area.
• 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

• 5-10 years claims experience with preferred emphasis on Homeowner field claims.
• 3+ years handling Homeowner Total Loss claims.
• High School (HS) or GED.

What would make us excited about you

• BA/BS or equivalent combination of education and experience.
• Proficient with Xactimate or similar estimating system writing large estimates experience strongly preferred.
• In-depth understanding of the home repair process.
• Outstanding analytical, problem solving, customer service and negotiation skills.
• Effective organizational and time management skills.
• Strong written and verbal communication skills.
• Valid driver's license with an insurable driving record.
• Ability to acquire DOI adjusting license in the states where required.

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 Insurance Group is an equal opportunity employer.

The national average hourly rate for this position is $48.01-$53.35. 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 $48.01-$64.07. This role also includes an opportunity for a company-wide annual discretionary bonus, through our Annual Incentive Plan (AIP), of up to 12% of eligible pay.Colorado Specific Job Range :$99,855.00 - $122,050.00This job posting will be unposted on Sat, 10 Oct 2026.