Large Loss Property Desk Adjuster (Remote) in Los Angeles, CA in American Family Insurance

Posted 2025-04-24
Remote, USA Full-time Immediate Start

Job title: Large Loss Property Desk Adjuster (Remote)

Company: American Family Insurance

Job description: At American Family Insurance Claims Services (AFICS, Inc.), we're embarking on a transformation of our claims capabilities that will put customers at the center of what we do best ? protecting and restoring their dreams when they need us most.

We're leveraging our expertise, technology and new ways of working to actively reinvent one of America's largest industries?creating positive impact that empowers our customers, communities, and company to thrive. We are problem solvers who ask critical questions and consistently tackle challenges big and small. Together, we disrupt what's expected of insurance.

The Claim Complex Adjuster position supports the Claim Division goal of ensuring customer service industry leadership and partners with agency to deliver seamless claim service. An experienced adjuster who has achieved mastery in and performs all areas of claim adjustment activities with the highest degree of competency and independence. Processes highly complex claims of significant monetary exposure. Specialize in property. You will report to a Large Loss Manager.

Compensation Minimum:$75,100 / Year

Compensation Maximum:$120,200 / Year

Compensation may vary based on the job level and your geographic work location.

Primary Accountabilities
? Investigate origin and cause of high exposure claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc. Checks for prior claims and recognizes environmental exposures.
? Participate in High Damage Reviews (HDR) to address coverage issues and exposure. Handles claims on a good faith basis.
? Handle both 1st party and 3rd party claims under multiple policies types and numerous endorsements.
? Conduct on-site inspections when needed, evaluates damages and handles claim negotiations with insureds, claimants, attorneys, public adjusters.
? Respond to customer inquiries, makes appropriate decisions and closes file as needed.
? Interpret and determine policies, leases, by-laws, declarations, articles and contract coverages and applies to all parties for assigned losses. Interprets claim history coverages.
? Make independent decisions but recognize when assistance is needed.
? Proactively provide all parties with claim process and status; answers questions or redirects to other areas.
? Serve as a mentor and subject matter expert for less experienced adjusters.

Working Conditions
? This position requires the ability to work in high, precarious places between 1 and 33% of the time.
? This position requires the ability to work with exposure to outside weather conditions between 66 and 100% of the time (applies to field position only).

Travel Requirements
? This position requires travel up to 10% of the time.
? Must be willing to travel for Catastrophe duty if necessary.

Education & Licenses
? Valid driver's license required plus an acceptable driving record.
? Obtain state specific property casualty claims staff adjuster licensing as required.

Specialized Knowledge & Skills Requirements
? Demonstrated experience providing customer-driven solutions, support or service.
? Demonstrated ability to handle 1st and 3rd party, multi-line claims across our operating territories.
? 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.

Physical Demands
? This position requires the ability to climb or balance between 1 and 33% of the time (applies to field position only).
? This position requires the ability to work with distance vision (clear vision at 20 feet or more) for extended periods of time (applies to field position only).
? This position requires the ability to stoop, kneel, crouch or crawl between 1 and 33% of the time (applies to field position only).
? This position requires the ability to lift up to 50 pounds between 1 and 33% of the time.

The Large Loss Property Adjuster role handles Homeowners, Renters, Condominium, and Rental Dwelling claims; typically with an on-site inspection using digital tools in conjunction with vendors. The adjuster works with the customer as an advisor to bring the claim to a conclusion. Typical claims in this environment would be more severe in damage to multiple rooms, roofs, elevations, other structures, and personal property settlement. ALE coverage is typically required.

You will have proficiency in Xactimate, willingness to use new technology, previous property field claims experience, and superb customer service skills. This is a 100% remote role that may require travel up to 10%. You will cover large Homeowner's losses.

Preferred Qualifications
? Prefers someone with advanced Xactimate experience.
? Prefers someone with 5 or more years experience handling field property personal lines claims.
? Prefers someone who has handled claims over $100,000.
? Prefer someone in the Pacific, Mountain or Central Time Zone.

Other
? Offer to selected candidate will be made contingent on the results of applicable background checks
? Offer to selected candidate is contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions
? Our policy restricts consideration of applicants needing employment sponsorship (visa) to specialty occupations. Sponsorship will not be considered for this position
? The candidate(s) selected for this role will be employed by AFICS, Inc. (American Family Insurance Claims Services, Inc.), an affiliate of American Family Mutual Insurance Company, S.I.

We provide benefits that support your physical, emotional, and financial wellbeing. You will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health. We also offer a competitive 401(k) contribution, a pension plan, an annual incentive, 9 paid holidays and a paid time off program (23 days accrued annually for full-time employees). In addition, our student loan repayment program and paid-family leave are available to support our employees and their families. Interns and contingent workers are not eligible for American Family Insurance Group benefits.

We are an equal opportunity employer. It is our policy to comply with all applicable federal, state and local laws pertaining to non-discrimination, non-harassment and equal opportunity. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law.

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Expected salary: $75100 per year

Location: Los Angeles, CA

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