Large Loss Property Field Claims Adjuster (Washington)

American Family Insurance•Washington, DC

1d•Onsite

About The Position

This lead-level position investigates and maintains highly complex homeowner property field claims. The adjuster determines liability, gathers information, reviews coverage, arranges appraisals, and negotiates and settles claims. The role requires independent, highly competent performance across all areas of claim adjustment and is based in the field, with direct customer interaction. The employee must be located in Washington and reports to a Large Loss Senior Manager. A fleet vehicle is provided. The role is primarily field-based, with occasional travel to an office for meetings, training, and culture events. The position handles first- and third-party claims across multiple policy types and endorsements, including high-exposure losses. The adjuster investigates claim origin and cause, evaluates damage, interprets coverage documents, communicates claim status, responds to customer inquiries, makes decisions, and closes files. The position also serves as a mentor and subject matter expert for less experienced adjusters. Travel may be up to 50%, with catastrophe travel up to 75% as applicable. Relocation support is available for eligible candidates. New employees participate in an in-person New Employee Orientation during their first week at the Madison, Wisconsin headquarters or another American Family core location; some sessions may be held virtually. Employment offers are contingent on applicable background checks and signing a non-disclosure agreement. Sponsorship is not available unless specified in the posting.

Requirements

At least 5 years of experience handling field property personal lines claims.
Advanced Xactimate experience.
Demonstrated ability to handle first- and third-party, multiline claims across operating territories.
Demonstrated experience providing customer-driven solutions, support, or service.
Demonstrated ability to handle complex claims efficiently and effectively.
Extensive knowledge of policy and endorsement coverages.
Successfully applied knowledge of each phase of the claim-handling process.
Valid driver's license and acceptable driving record.
Obtain state-specific property casualty claims licensing as required.
Must be located in Washington.

Nice To Haves

Experience handling claims over $50,000.

Responsibilities

Investigate the origin and cause of high-exposure claims by contacting insureds, claimants, agents, attorneys, contractors, experts, special investigation unit personnel, other adjusters, public personnel, and other appropriate parties.
Check for prior claims and recognize environmental exposures.
Participate in High Damage Reviews to address coverage issues and exposure, and handle claims on a good-faith basis.
Handle first- and third-party claims under multiple policy types and numerous endorsements.
Conduct on-site inspections when needed, evaluate damages, and negotiate claims with insureds, claimants, attorneys, and public adjusters.
Respond to customer inquiries, make appropriate decisions, and close files as needed.
Interpret policies, leases, by-laws, declarations, articles, and contracts; determine and apply coverage to parties involved in assigned losses, including interpreting claim-history coverages.
Make independent decisions and recognize when assistance is needed.
Proactively provide parties with information about the claim process and status, answer questions, or redirect inquiries to other areas.
Mentor less experienced adjusters and serve as a subject matter expert.
Complete other assignments, duties, or projects based on skills, achievements, or experience.