Homeowner Liability Lead Litigation Desk Adjuster (Primarily Home)

Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of experience in property/casualty claims handling
  • Expertise in analyzing complex claims cases
  • Strong understanding of policy coverage and endorsements
  • Ability to provide customer-driven solutions and support
  • Preferred litigation experience but not mandatory
  • State-specific property casualty claims license required
  • Capability to handle multi-line claims effectively

Responsibilities

  • Investigate and resolve high exposure property/casualty claims
  • Conduct thorough reviews with stakeholders to clarify coverage issues
  • Negotiate claim settlements with various parties involved
  • Perform on-site inspections and damage evaluations as needed
  • Communicate claim processes and updates to all relevant parties
  • Interpret complex coverage documents for assigned claims
  • Mentor junior adjusters and support their development

Benefits

  • Comprehensive medical, dental, and vision plans
  • 401(k) with competitive contribution
  • Pension plan for long-term stability
  • Annual incentives and paid time off of 23 days per year
  • Student loan repayment assistance
  • Paid family leave for employee support
  • New Employee Orientation to foster team relationships
Full Job Description
You'll investigate and maintain highly complex property/casualty claims. Determines liability, secures information, reviews coverages, arranges appraisals, and settles claims. Demonstrates experience to perform all areas of claim adjustment activities with the highest degree of competency and independence. May specialize in liability, property or catastrophe claims.

Position Compensation Range:
$88,000.00 - $145,000.00

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
  • Investigates 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.
  • Participates in High Damage Reviews (HDR) to address coverage issues and exposure. Handles claims on a good faith basis.
  • Handles both 3rd party claims under multiple policy types and numerous endorsements.
  • Conducts on-site inspections when needed, evaluates damages and handles claim negotiations with insureds, claimants, attorneys, public adjusters.
  • Responds to customer inquiries, makes appropriate decisions, and closes file as needed.
  • Interprets and determines policies, leases, by-laws, declarations, articles, and contract coverages and applies to all parties for assigned losses. Interprets claim history coverages.
  • Makes independent decisions but recognizes when assistance is needed.
  • Proactively provides all parties with claim process and status as appropriate; answers questions or redirects to other areas.
  • Serves as a mentor and subject matter expert for less experienced adjusters.
  • May be required to complete other assignments, job duties, or participate in projects based upon skills, achievements, or experience.


Specialized Knowledge & Skills Requirements
  • Demonstrated ability to handle 3rd party, multi-line claims across our 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.
  • Litigation experience preferred but not required.


Licenses
  • Obtain state specific property casualty claims licensing as required.


Travel Requirements
  • Up to 10%.
  • Catastrophe travel up to 75% as applicable.


Physical Requirements
  • Work that primarily involves sitting/standing.


Additional Information
  • To ensure a strong start, all employees participate in our New Employee Orientation during their first week. This experience is held in person at our Madison, WI Headquarters or one of our AmFam core locations to help you connect with our mission, meet key team members and build relationships that support your growth. At times, sessions may be delivered virtually based on scheduling and availability.
  • 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
  • Sponsorship will not be considered for this position unless specified in the posting


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.

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About American Family Mutual Insurance Company

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There has never been a better time to explore the job opportunities at American Family Mutual Insurance Company, a leading entity in the insurance sector. This company stands out not only for its robust commitment to clients but also for its dedication to fostering a professional growth environment for its employees.

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