Large Loss Property Claims Field Adjuster (St. Louis, MO)

Claims Adjuster

Lead level role that investigates and maintains highly complex property claims. Determine liability, secure information, reviews coverages, arrange appraisals, and settles claims. Demonstrate experience to perform all areas of claim adjustment activities with the highest degree of competency and independence. You will work in the field and handle complex homeowner property field claims. You will preferably be located around the St. Louis area. A fleet vehicle is provided with the position. You will report to a Large Loss Senior Manager. In this primarily field-based role, you will spend 80% of your time (4+ days per week) working in the field, directly interacting with customers. On occasion you may be asked to travel to an office location for in person engagement activities such as team meetings, trainings, and culture events. Position Compensation Range : $86,000.00 - $142,000.00 Pay Rate Type : Salary Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates.

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. Handle claims on a good faith basis.
• Handle both 1st party and 3rd party claims under multiple policy 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 close file.
• Interpret and determine policies, leases, by-laws, declarations, articles, and contract coverages and applies to all parties for assigned losses. Interpret claim history coverages.
• Make independent decisions but recognize when assistance is needed.
• Provide all parties with claim process and status; answers questions or redirect to other areas.
• Be a mentor and subject matter expert for less experienced adjusters.

Specialized Knowledge & Skills Requirements

Licenses

Travel Requirements

Physical Requirements

Additional Qualifications

Additional Information

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. American Family Insurance is committed to the full inclusion of all qualified individuals. If a reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and / or to receive other benefits and privileges of employment, please email AskHR@AmFam.com to request a reasonable accommodation.