CAT Inside Complex / Coordinated Adjuster

Allstate • USA - TX (Remote), TX

3d • $53,500 - $95,000 • Remote

About The Position

This job is responsible for investigating, negotiating, and settling moderately complex claims involving the contents of a homeowner loss such as a fire, water, or theft. The individual handles claims that typically require alternative housing during the restoration of the property. The individual handles claims virtually by leveraging technology tools and virtual resources to conduct a thorough analysis and evaluates damages, determines loss coverage, and authorizes payments. This role is responsible for, but not limited to, investigating, negotiating, and settling moderately complex to highly complex property claims involving contents, structure-related exposures, and Additional Living Expense (ALE). Claims often involve high-severity losses, including catastrophe events, total losses, and attorney-represented files. The individual handles claims virtually using advanced technology tools to evaluate damages, interpret policy coverage, ensure regulatory compliance, and deliver timely, accurate claim resolution.

Requirements

• High School Diploma/GED
• 5+ years of property insurance claims handling experience
• 2+ years of experience handling fire, water, and theft claims, including contents and Additional Living Expense (ALE)
• Strong knowledge of multiple coverages, including dwelling, contents, ALE, and state-specific or less common coverages
• Experience handling complex, high-severity losses, such as catastrophe events, total losses, or large structural damage claims
• Highly skilled in analyzing policy language, interpreting coverage, and applying it accurately across varying state regulations and compliance requirements
• Ability to adapt quickly to evolving regulatory environments, particularly during catastrophe situations where guidelines may change
• Strong analytical thinking and problem-solving skills, with the ability to assess damages, evaluate data, and make sound claim decisions
• Technical proficiency in claims handling, including estimating, supplements, and use of tools such as Xactimate (or similar platforms)
• Exceptional customer service, with strong written and verbal communication skills, especially when handling sensitive or complex claims
• Experience supporting or handling: Field/large loss claims with strong structural exposure, Attorney-represented or public adjuster-represented claims, Mitigation vendors, including coordination and understanding their role in the claim process
• Comfortable managing claims end-to-end, including writing estimates, managing supplements, and finalizing settlements
• Thrive in a fast-paced environment and are adaptable, organized, and detail-oriented
• Can work independently while collaborating effectively in a virtual environment
• 50 MBPS download and 5 MBPS upload internet speed
• Wired internet connections are recommended for optimal experience and may be required for certain customer-facing roles.
• Dedicated, private workspace free from distractions, along with appropriate desk and seating when working from home.
• Valid Photo Identification available at the start of your interview.

Nice To Haves

• Bachelor’s degree
• Bilingual skills
• Prior military experience

Responsibilities

• Handles, but not limited to, escalated, high-severity and complex claims involving contents, structure-related exposures, attorney-represented files, engineering components, and Additional Living Expense (ALE) damages, often tied to catastrophe or total loss events
• Conduct thorough coverage investigations to ensure accurate policy application, including state-specific and non-standard coverages
• Collaborate virtually with field adjusters, mitigation vendors, and external partners using advanced video and digital tools
• Review documentation such as engineering reports and estimates to support claim evaluation and resolution
• Provide empathetic, customer-focused communication throughout the claims lifecycle, especially during high-impact loss situations
• Negotiate settlements in accordance with company standards and regulatory requirements
• Coordinate with structure adjusters and cross-functional teams for comprehensive claim handling
• Use data and analytics to support decision-making and drive claim outcomes
• Support customers during critical moments.
• Manage claims end-to-end, including writing estimates, managing supplements, and finalizing settlements

Benefits

• All licensing costs covered.
• One month of fully paid training plus up to an additional month of on-the-job training.
• Ongoing training opportunities for career growth.
• Monthly connectivity reimbursement to help offset internet costs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED