Large Loss Property Field Adjuster

American Family Insurance

. Investigate and maintain highly complex property claims .

Posted 9/21/2026full-timeUnited StatesMid-LevelSenior💰 $88,000 - $145,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive knowledge of property claims handling, including first-party and third-party claims, with a strong ability to negotiate and settle complex claims independently. Proficient in using Xactimate and interpreting various policy coverages while providing exceptional customer service.

Highest-signal resume keywords

Advanced Xactimate Experience5+ Years Handling Field Property ClaimsMulti-Line Claims ExpertiseExtensive Knowledge of Policies and EndorsementsValid Driver's License

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationLiability DeterminationCoverage ReviewOn-Site InspectionsDamage EvaluationClaims NegotiationClaim Process InterpretationHigh Damage Review ParticipationComplex Claims HandlingCustomer Inquiry Response

Soft Skills

Customer-Driven SolutionsIndependent Decision-MakingMentoring AdjustersEffective CommunicationProblem-Solving

Certifications & Qualifications

State Specific Property Casualty Claims Licensing

Industry Keywords

First-Party ClaimsThird-Party ClaimsHomeowner Property ClaimsHigh-Exposure ClaimsEnvironmental ExposuresCatastrophe TravelField Claims HandlingClaims Over $50,000Claim History CoveragesGood-Faith Claims Handling

About the role

Key responsibilities & impact

Investigate and maintain highly complex property claims
Determine liability and secure relevant information
Review coverages and arrange appraisals
Settle claims with a high degree of competency and independence
Handle complex homeowner property field claims
Investigate origin and cause of high-exposure claims by contacting insureds, claimants, agents, attorneys, contractors, experts, special investigation units, adjusters, public personnel, and others
Check for prior claims and recognize environmental exposures
Participate in High Damage Reviews to address coverage issues and exposure
Handle claims on a good-faith basis
Handle first-party and third-party claims under multiple policy types and endorsements
Conduct on-site inspections, 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 contract coverages and apply them to assigned losses
Interpret claim-history coverages
Make independent decisions and recognize when assistance is needed
Provide parties with claim-process and status information; answer questions or redirect them to other areas
Mentor less experienced adjusters and serve as a subject matter expert
Complete other assignments, duties, or projects as required
Work primarily in the field, directly interacting with customers
Attend occasional office-based team meetings, trainings, and culture events
Report to a Large Loss Senior Manager

Requirements

What you’ll need

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
Advanced Xactimate experience required
5 or more years’ experience handling field property personal lines claims required
Prefer someone who has handled claims over $50,000
Valid driver's license required plus an acceptable driving record
Obtain state specific property casualty claims licensing as required
Ability to travel up to 50%; catastrophe travel up to 75% as applicable
Ability to perform physical activities including ascending or descending ladders, stairs, scaffolding, ramps, poles and similar structures
Ability to work in customer homes, body shops, and other potentially hazardous locations
Ability to move in different positions, including tight and confined spaces
Ability to adjust or move objects up to 50 pounds in all directions
Ability to work in low and high temperatures, precipitation, wind, noisy environments, hazardous conditions, poor ventilation, and small or enclosed spaces
Offer contingent on applicable background checks
Offer contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions
Sponsorship will not be considered unless specified in the posting

Benefits

Comp & perks

Fleet vehicle provided with the position
Relocation support offered for eligible candidates
Comprehensive medical, dental, vision and wellbeing benefits
Competitive 401(k) contribution
Pension plan
Annual incentive
9 paid holidays
Paid time off program (23 days accrued annually for full-time employees)
Student loan repayment program
Paid-family leave
In-person New Employee Orientation at Madison, WI Headquarters or an American Family Insurance core location; sessions may be delivered virtually
Reasonable accommodation for the job application, interview process, essential job functions, and/or employment benefits