Responsible for investigating and confirming the facts of loss for complex Homeowners Claims. Determines coverage, damages and otherwise adjusts and negotiates claims within limit of authority. This role provides guidance to junior employees.

National General is seeking an Inside Property Adjuster to investigate, evaluate, and resolve complex first-party homeowner claims. In this role, you will determine coverage, assess damages, identify subrogation and fraud potential, and negotiate claim settlements while delivering exceptional customer service.

The ideal candidate will have experience handling residential property claims, coverage investigations, and complex homeowner losses, with strong knowledge of residential construction, home repair, and policy interpretation. This role also provides guidance and support to junior adjusters and specialty claim teams.

Preferred Experience:

• First-party homeowner/property claims handling
• Coverage analysis and complex claims investigations
• Residential construction and repair knowledge
• Subrogation and fraud identification
• Negotiation and settlement of property claims
• Strong customer service, communication, and problem-solving skills
• Prior experience in specialty areas such as Large Loss, Litigation, Coverage, Water Mitigation, or Desk Review preferred

Key Responsibilities

• Applies increased experience in the Adjuster II level or a rotation into a specialty position (Coverage, Investigation Specialist, Litigation, Large Loss, Water Mitigation, Desk Review)
• For claims involving fraud or subrogation, partners with assigned reps from those areas to achieve best outcome
• Recognizes and identifies key components of residential construction and repair, including structural integrity and home systems
• Identifies complex customer needs and works to meet those needs using appropriate customer service skills
• Determines subrogation or fraud potential and how to handle
• Demonstrates advanced understanding of insurance policies written by the company, the industry, and organizational relationships within the company and department
• Handles investigation regarding all aspects of complex Homeowners first party claims (coverage, damages and subrogation) with the exercise of discretion and independence within increased level of authority

Supervisory Responsibilities
• This job does not have supervisory duties.

Sign On Bonus:

You may be eligible for a $1,000 Licensing Sign on Bonus if you have the applicable active licenses needed for this role. This could include Home Resident Property & Casualty License, Designated Home State (DHS) Florida or Texas License, and/or applicable Appraiser License.

*Current employees or candidates who have previously worked for Allstate, including its family of companies, are not eligible for this sign-on bonus.*

As a requirement of employment, individuals who currently hold an active insurance license must terminate all existing appointments prior to onboarding and must not hold any outside appointments at any point during employment. Applicants seeking an adjuster role who also hold a resident producer license must formally surrender that license when instructed to by the licensing team. By proceeding with the application process, applicants acknowledge and accept these licensing requirements and agree to comply.

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Skills
Case Management, Claims Administration, Claims Resolution, Claims Settlement, Customer Service, Damage Assessment, Insurance Administration, Insurance Underwriting, Multitasking, Negotiation, Property Claims, Property Damage, Relationship Management, Task Management, Time Management, Xactimate Estimating

Compensation
Base compensation offered for this role is $68,500 - $117,700 annually.

And is based on experience and qualifications. Total compensation for this role is comprised of several factors, including the base compensation outlined above, plus incentive pay (i.e. commission, bonus, etc.) if applicable for the role.

Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs.

When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload.