Large Loss Property Field Adjuster

American Family Insurance

. Investigate and maintain highly complex property claims .

Posted 9/21/2026full-timeHouston • Texas • United 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 1st-party and 3rd-party claims across multiple policy types. Proficient in using Xactimate for damage evaluation and settlement negotiations while providing customer-driven solutions.

Highest-signal resume keywords

Advanced Xactimate Experience5+ Years Handling Field Property Claims1st-Party and 3rd-Party Claims ManagementKnowledge of Policies and EndorsementsState Specific Property Casualty Claims Licensing

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationLiability DeterminationCoverage ReviewDamage EvaluationNegotiation SkillsClaims SettlementOn-Site InspectionsClaims Process KnowledgeEnvironmental Exposure RecognitionMulti-Line Claims Handling

Soft Skills

Customer Service OrientationMentoring AbilityDecision-Making SkillsEffective Communication

Certifications & Qualifications

Valid Driver's LicenseState Specific Property Casualty Claims Licensing

Industry Keywords

Property ClaimsHigh Damage ReviewsCatastrophe TravelField WorkClaims Over $50,000

About the role

Key responsibilities & impact

Investigate and maintain highly complex property claims
Determine liability and secure information
Review coverages and arrange appraisals
Settle claims with a high degree of competency and independence
Investigate origin and cause of high-exposure claims
Contact insureds, claimants, agents, attorneys, contractors, experts, special investigation units, adjusters and public personnel
Check for prior claims and recognize environmental exposures
Participate in High Damage Reviews to address coverage issues and exposure
Handle 1st-party and 3rd-party claims under multiple policy types and endorsements
Conduct on-site inspections and evaluate damages
Negotiate claims with insureds, claimants, attorneys and public adjusters
Respond to customer inquiries, make decisions and close files as needed
Interpret policies, leases, by-laws, declarations, articles and contract coverages
Provide claim process and status information and redirect questions as appropriate
Mentor less experienced adjusters and serve as a subject matter expert
Report to a Large Loss Senior Manager
Participate in other assignments, duties or projects as required

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 field work in outdoor, hazardous, noisy, poorly ventilated, low- or high-temperature environments and confined spaces
Ability to climb ladders, stairs, scaffolding, ramps and poles
Ability to move objects up to 50 pounds in all directions
Sponsorship will not be considered unless specified in the posting

Benefits

Comp & perks

Fleet vehicle provided
Relocation support 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 and relationship-building support
Reasonable accommodation for qualified individuals