Job DescriptionWe are seeking an experienced Property Large Loss Adjuster to join our Homeowners Claims team supporting the Western region. This role is responsible for managing complex, high-severity residential property claims, typically exceeding $100,000 in loss value, from initial investigation through final resolution.
The ideal candidate brings extensive large loss property experience and can independently handle complex claims involving fire, wind, hail, catastrophe, and other major property damage events. This is a fully remote position with no field inspections required. Physical inspections are completed through independent adjusters, contractors, and other third-party partners, while you manage the overall claim strategy, coverage analysis, estimate review, negotiation, and resolution.
- This role will support claims primarily across the Western region.
- Investigate, evaluate, negotiate, and resolve complex homeowners property claims involving significant damages and exposures.
- Manage large loss claims resulting from fire, weather events, catastrophes, and other major property losses.
- Determine coverage, evaluate damages, and issue claim decisions within established authority levels.
- Review contractor and independent adjuster estimates for accuracy, scope, and appropriateness of repair recommendations.
- Utilize Xactimate estimates and supporting documentation to assess damages and identify discrepancies or opportunities for clarification.
- Manage claim authority requests and effectively document claim rationale for elevated approvals.
- Handle additional living expense (ALE) and personal property exposures as part of complex homeowner claims.
- Collaborate with contractors, mitigation vendors, independent adjusters, legal partners, and internal stakeholders to drive claims toward resolution.
- Provide guidance and mentorship to less experienced claims professionals.
- Maintain strong customer communication while managing claims that may remain open for extended periods due to the complexity of repairs and reconstruction efforts.
Desired Qualifications- Extensive experience handling large loss residential property claims, typically exceeding $100,000.
- Strong understanding of residential construction, repair processes, and property damage assessment.
- Experience reviewing and interpreting Xactimate estimates.
- Ability to independently manage complex claims with minimal oversight.
- Strong analytical, negotiation, and decision-making skills.
- Proven ability to manage multiple complex files simultaneously.
- Excellent written and verbal communication skills.
Additional Preferred Qualifications- Experience handling catastrophe-related property claims.
- Background managing fire, wind, hail, wildfire, or severe weather-related losses.
- Previous experience working with contractors, independent adjusters, and restoration vendors.
- Prior leadership, mentoring, or peer coaching experience.
Supervisory Responsibilities- This job does not have supervisory duties.
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SkillsCase Management, Claims Administration, Insurance Underwriting, Negotiation, Property Claims, Relationship Building, Stakeholder Relationship Management, Xactimate
CompensationCompensation offered for this role is 68,500.00 - 115,600.00 annually and is based on experience and qualifications.
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.
