Large Loss Property Field Claims Adjuster (Maryland)

American Family Insurance•Baltimore, MD

2d•$88,000 - $145,000•Hybrid

About The Position

This is a lead-level role responsible for investigating and managing highly complex property claims. The position involves determining liability, gathering information, reviewing coverages, arranging appraisals, and settling claims. The role requires a high degree of competency and independence in all areas of claim adjustment activities. The successful candidate will work in the field and handle complex homeowner property field claims. The position is primarily field-based, with approximately 80% of the time spent in the field interacting directly with customers. Occasional travel to office locations for team meetings, trainings, and culture events may be required. The candidate will report to a Large Loss Senior Manager.

Requirements

Demonstrated ability to handle 1st and 3rd party, multi-line claims across operating territories.
Demonstrated experience providing customer-driven solutions, support, or service.
Demonstrated ability to efficiently and effectively handle complex claims.
Extensive knowledge of policies and endorsements coverages.
Successfully applied knowledge of each phase of the claim handling process.
Valid driver's license required plus an acceptable driving record.
Obtain state-specific property casualty claims licensing as required.
Advanced Xactimate experience required.
5 or more years of experience handling field property personal lines claims required.

Nice To Haves

Preferably located in Maryland or Pennsylvania.
Prefer someone who has handled claims over $50,000.

Responsibilities

Investigate origin and cause of high exposure claims by contacting appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc.
Check for prior claims and recognize environmental exposures.
Participate in High Damage Reviews (HDR) to address coverage issues and exposure.
Handle claims on a good faith basis.
Handle both 1st party and 3rd party claims under multiple policy types and numerous endorsements.
Conduct on-site inspections, evaluate damages, and handle claim negotiations with insureds, claimants, attorneys, and public adjusters.
Respond to customer inquiries, make appropriate decisions, and close files.
Interpret and determine policies, leases, by-laws, declarations, articles, and contract coverages and apply them to all parties for assigned losses.
Interpret claim history coverages.
Make independent decisions but recognize when assistance is needed.
Provide all parties with claim process and status updates and answer questions or redirect to other areas.
Serve as a mentor and subject matter expert for less experienced adjusters.