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Senior Homeowner Liability Adjuster - Complex Bodily Injury Litigation - Remote

Allstate•USA - TX (Remote), TX
•$65,600 - $110,075•Remote

About The Position

Allstate is hiring an experienced adjuster to investigate and manage complex homeowner liability claims, including dog bites, slip-and-fall incidents, and other third-party property damage or bodily injury claims. This is a permanent, remote, home-based position for a litigation-focused adjuster handling higher-severity bodily injury claims. The adjuster evaluates coverage, liability, damages, and claim value; conducts thorough investigations; negotiates settlements; manages litigation exposures; and works with customers, attorneys, and other claim stakeholders throughout the claim lifecycle. Communication takes place by phone, email, and text, using claims platforms and tools to support fair and timely resolutions. The role requires approximately 6–9 weeks of onboarding, licensing if applicable, and role-specific training. Depending on the office or area, an adjuster and/or appraiser license may be required within 60 days of hire. The position does not have supervisory duties. The employee must work from a home office in the United States; the position is unavailable to residents of Alaska, California, Hawaii, and Washington. West Coast candidates are strongly preferred, and candidates elsewhere may be considered if they can reliably work Pacific Time hours.

Requirements

  • At least 3 years of bodily injury claims handling experience, including litigation and/or complex casualty claims.
  • Strong investigation, negotiation, and claim resolution skills.
  • Ability to manage attorney-represented claims and complex liability exposures effectively.
  • Ability to attend required training sessions, participate in virtual learning activities, and successfully complete the training program.
  • Ability to obtain an adjuster and/or appraiser license within 60 days of hire if required for the office or area.
  • If currently holding an active insurance license, terminate all existing appointments before onboarding and do not hold outside appointments during employment.
  • Applicants for an adjuster role who hold a resident producer license must formally surrender it when instructed by the licensing team.
  • Must work from a home office located in the United States; the role is unavailable to residents of Alaska, California, Hawaii, and Washington.
  • Must have a dedicated, private home workspace free from distractions, appropriate work surface and seating, and internet bandwidth of at least 50 MB download and 5 MB upload.

Nice To Haves

  • Experience handling homeowner liability claims, such as dog bites and premises liability.
  • West Coast location; candidates elsewhere may be considered if able to reliably work Pacific Time hours.
  • Applicable active licenses for the role, which may qualify the candidate for a $1,000 licensing sign-on bonus.

Responsibilities

  • Negotiate and settle claims in accordance with business unit best practices.
  • Review policy language and analyze coverage.
  • Review medical reports to prepare claim settlement evaluations.
  • Coordinate the appraisal process for highly complex, disputed claims while ensuring adherence to policy provisions.
  • Determine and explain coverage limits in moderately complex and complex claims involving one or multiple claimants, and determine claim value.
  • Set and update reserves, documenting the rationale and claim summary notes.
  • Serve as the primary point of contact for policyholder attorneys and lead direct negotiations to resolve disputes efficiently.
  • Draft and respond to attorney correspondence, requests for information, and demands to maintain compliance and mitigate legal exposure.
  • Research and respond to moderately complex and occasionally complex customer communications, concerns, conflicts, and issues.
  • Summarize documents and enter claim system notes documenting the claim file, evaluations, and decision-making process.

Benefits

  • Benefits package available from Day 1, including time off, healthcare, and retirement benefits.
  • Competitive pay and support for continuous development and career advancement.
  • Scheduling flexibility and a time-off policy intended to support work-life balance.
  • Initial and ongoing training.
  • 401(k)/pension.
  • Education reimbursement.
  • Technology bundle for home work, including laptop, monitors, headset, keyboard, and mouse.
  • $80 monthly connectivity reimbursement to help offset internet costs.
  • Potential $1,000 licensing sign-on bonus for eligible candidates with applicable active licenses.

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