Inside Property Adjuster
About The Position
National General, an Allstate company, is seeking an Inside Property Adjuster to investigate, evaluate, and resolve complex first-party homeowner claims. The adjuster owns claims from investigation through resolution by gathering information, evaluating damages, reviewing coverage, identifying subrogation and fraud potential, and negotiating settlements while providing customer service. The role uses virtual claims tools and does not involve the routine travel associated with a field adjuster position. The position requires applying sound judgment and discretion when handling complex homeowners claims involving coverage, damages, and subrogation. It may involve increased experience at the Adjuster II level or rotation into a specialty position such as Coverage, Investigation Specialist, Litigation, Large Loss, Water Mitigation, or Desk Review. The adjuster may also provide guidance and support to junior adjusters and specialty claim teams. The position has no supervisory duties.
Requirements
- Experience handling residential property or first-party homeowner claims.
- Knowledge of coverage analysis and complex claims investigations.
- Knowledge of residential construction and home repair.
- Ability to identify subrogation and fraud potential.
- Ability to negotiate and settle property claims.
- Strong customer service, communication, and problem-solving skills.
- Active insurance license holders must terminate existing appointments before onboarding and may not hold outside appointments during employment. Applicants for an adjuster role who also hold a resident producer license must surrender it when instructed by the licensing team.
Nice To Haves
- Prior experience in specialty areas such as Large Loss, Litigation, Coverage, Water Mitigation, or Desk Review.
- Applicable active licenses for the role, which may include a Home Resident Property & Casualty License, Designated Home State (DHS) Florida or Texas License, and/or applicable Appraiser License.
Responsibilities
- Investigate, evaluate, and resolve complex first-party homeowner claims from initial investigation through resolution.
- Determine coverage, assess damages, identify subrogation and fraud potential, and negotiate claim settlements.
- Partner with assigned representatives in fraud or subrogation areas to achieve the best outcome.
- Recognize key components of residential construction and repair, including structural integrity and home systems.
- Identify complex customer needs and address them using appropriate customer service skills.
- Determine subrogation or fraud potential and decide how to handle it.
- Apply an advanced understanding of company and industry insurance policies and organizational relationships.
- Handle all aspects of complex homeowners first-party claim investigations, including coverage, damages, and subrogation, exercising discretion and independence within an increased level of authority.
- Provide guidance and support to junior adjusters and specialty claim teams.
Benefits
- Eligible candidates may receive a $1,000 licensing sign-on bonus, subject to eligibility.
- Technology setup including a laptop, monitors, headset, keyboard, and mouse.
- Monthly connectivity reimbursement for employees eligible to work from home.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
