Sr. Examiner, Homeowner Claims Multi-State - Remote

CSAA Insurance Group, a AAA Insurer•Washington, NV

6d•$37 - $50•Remote

About The Position

CSAA Insurance Group (CSAA IG), a AAA insurer, is one of the leading personal lines property and casualty insurance groups in the United States. Here, every employee shapes our mission. We build innovative, human-centered solutions that help AAA members prevent, prepare for, and recover from life's uncertainties. You will join a collaborative, inclusive culture where your strengths have room to grow and your ideas can drive real impact. Step into a role where you can contribute to our shared success through meaningful work. We are actively hiring for a Sr. Examiner, Homeowner Claims Multi-State – Remote. Your Role: Under close supervision, investigates, evaluates, negotiates, and settles homeowners property and personal property claims from first notice of loss through resolution. Serves as the owning adjuster for all assigned claims, including low- to higher-complexity losses that may require oversight of service providers conducting physical or virtual inspections. May assign, coordinate, and oversee independent adjuster assignments. This developmental role is designed to build the knowledge and skills necessary to progress to the competency level of a Level 5 Homeowner Adjuster.

Requirements

High school diploma or equivalent required.
Six years of related professional experience with transferable skills or four years of claims experience, preferably in homeowners claims.
A related bachelor's degree or higher may substitute for up to two years of required experience.
Ability to obtain and maintain Department of Insurance (DOI) adjuster licenses in applicable states.
Knowledge of homeowners insurance policies, coverage, and claims handling procedures.
Knowledge of the Xactimate estimating platform.
Excellent verbal and written communication skills, including the ability to explain complex coverage decisions and prepare customer correspondence.

Nice To Haves

Bachelor's degree.
Two years of experience handling complex property claims.
Knowledge of residential home construction and repair practices.

Responsibilities

Manage homeowners property claims from first notice of loss through resolution, handling low- to high-complexity losses.
Investigate coverage by analyzing policy language, endorsements, and applicable state regulations; communicate coverage decisions and resolve coverage-related questions.
Coordinate emergency mitigation services to protect property from further damage while delivering a positive customer experience.
Write and review repair estimates, evaluate contractor estimates, and determine appropriate claim payments and reserves.
Handle all applicable first-party coverages and Key Operating Losses (KOLs), escalating more complex claims when appropriate.
Identify subrogation and Special Investigation Unit (SIU) opportunities and prepare referrals as needed.
Manage relationships with independent adjusters (IAs), public adjusters (PAs), attorneys, contractors, and other external partners throughout the claim lifecycle.
Conduct virtual claim inspections and collaborate remotely with customers, vendors, and independent adjusters to evaluate damages.
Prepare clear, timely claim correspondence, including settlement letters, partial denials, and denials.
Maintain accurate claim documentation and ensure timely, compliant claim handling in accordance with company policies and regulatory requirements.