Sr. Large Loss Adjuster, Homeowner Claims - Remote

CSAA Insurance Group; Central City (CO); Remote; USD 100,000 - 122,000; Full time

Benefits offered by this job

Annual bonus eligibility

401(k) with company match

Remote-first culture

Job summary

CSAA Insurance Group, a leading personal lines property and casualty insurer, seeks a Sr. Large Loss Adjuster for Homeowner Claims—Remote. This role holds full ownership of 1st-party property losses with up to $250,000 in structural damage and requires expertise across investigations, negotiations, and complex settlements.

Remote anywhere in the United States with exceptions for Hawaii and Alaska. Colorado-specific ranges apply; strong Xactimate skills and licensure readiness are highly valued.

Qualifications

• 5–10 years claims experience with emphasis on homeowner field claims.
• 3+ years handling Homeowner Total Loss claims.
• High School (HS) or GED required.
• BA/BS or equivalent combination of education and experience preferred.
• Proficient with Xactimate or similar estimating system.

Responsibilities

• Full ownership of 1st-party property losses with no limit and settlement authority up to $250,000 in structural damage.
• Evaluate personal property losses for dwelling losses.
• Handle claims up to policy limits for all 1st-party coverages.
• May handle desk claims.
• Direct investigation of losses with internal teams; provide management with recommendations.
• Work with insureds, contractors, public adjusters and attorneys to resolve highly complex claims.
• Develop structural repair bids using Xactimate.
• Possibly handle multiple states and understand each state's laws.
• Assess building damage, scope repairs, and write rebuild estimates.
• Negotiate cost of repairs with insureds, contractors, engineers and public adjusters.
• Consult with outside legal counsel on coverage issues.

Skills

5-10 years claims experience

3+ years Homeowner Total Loss

BA/BS or equivalent

Xactimate

Negotiation

License readiness

Education

High School (HS) or GED

BA/BS or equivalent

Tools

Xactimate

Job description

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

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. We communicate via email, so check your inbox and/or your spam folder to ensure you don’t miss important updates from us.

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

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 $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 - $122,050.00