Large Loss Property Adjuster - Field Estimating - Louisville, KY

Allstate•Louisville, KY

7d•$72,000 - $115,000

About The Position

The Large Loss Property Adjuster provides service to policyholders by traveling to customers’ homes to inspect property damage, investigate coverage, prepare estimates, and settle claims promptly and efficiently. The role also handles virtual claims nationwide using platforms and software such as Xactimate and ClaimsX Video Collaboration, with a particular focus on water losses. The adjuster independently investigates claims, interprets policies to determine coverage, communicates with customers by phone, email, and video, and negotiates settlements with customers, vendors, third-party carriers, and claimants. The role requires accurate and timely claim documentation, sound judgment in challenging situations, and effective use of estimating and settlement tools. Travel is required, and the role may require obtaining an adjuster and/or appraiser license within 60 days of hire. Approximately two weeks of training takes place in Dallas, Texas.

Requirements

Ability to carry a 50-pound ladder and access roofs with up to a 6/12 pitch.
Valid driver’s license and willingness to travel as part of the job.
Residency within the posted location is mandatory; preferred residence is within 40 miles of Louisville, Kentucky.
Ability to travel to customers’ homes and handle virtual claims nationwide.
Applicants with active insurance licenses 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 that license when instructed by the licensing team.
If required for the office or area, obtain an adjuster and/or appraiser license within 60 days of hire, including passing any required background check.
Submit to a background investigation.
When working from home, maintain a dedicated private workspace free from distractions, appropriate desk and seating, and reliable internet with minimum speeds of 50 MB download and 5 MB upload.

Nice To Haves

Four to five years of prior experience as an outside property adjuster.
Experience handling claims involving multiple trades and losses exceeding $100,000.
Proficiency with Xactimate and other relevant estimating software.
Strong critical-thinking and technical skills for accurately assessing damage and expediting settlements.
Excellent communication and interpersonal skills.
Detail-oriented and organized, with a focus on high-quality work.
Applicable active licenses for eligibility for the licensing sign-on bonus, which may include a Home Resident Property & Casualty License, Designated Home State (DHS) Florida or Texas License, and/or applicable Appraiser License.

Responsibilities

Travel to customers’ homes to conduct on-site property inspections.
Investigate property damage and policy coverage, including interpreting policies to determine coverage.
Prepare damage estimates and settle claims promptly and efficiently.
Handle virtual claims nationwide using platforms and software such as Xactimate and ClaimsX Video Collaboration.
Focus expertise on water-loss claims.
Communicate with customers by phone, email, and video, adapting communication to customer preferences and keeping them updated on claim progress.
Evaluate and negotiate claim settlements with customers, vendors, third-party carriers, and claimants.
Use critical thinking, estimating tools, job aids, and settlement platforms to resolve claims.
Complete timely and accurate claim documentation in the claims system.
Travel as required, including attending approximately two weeks of training in Dallas, Texas.

Benefits

Benefits package available from the first day of employment, including time off, healthcare, and retirement benefits.
Competitive pay and support for continuous development and career advancement.
Flexible scheduling and a time-off policy intended to support work-life balance.
Initial and ongoing training.
401(k)/pension.
Education reimbursement.
Potential $1,000 licensing sign-on bonus for eligible candidates with applicable active licenses; current employees and candidates who previously worked for Allstate or its family of companies are not eligible.
The role may qualify for a company car based on annual work mileage; personal-vehicle mileage reimbursements are offered while using a personal vehicle for work.
Comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse.
Monthly connectivity reimbursement for employees eligible to work from home.