New

Large Loss Property Field Claims Adjuster (East/Central Missouri)

American Family Insurance Agency Staff
paid time off, paid holidays, 401(k)
United States, Missouri, Columbia
Apr 04, 2026
Job Description Summary Lead level role that investigates and maintains highly complex property claims. You will review coverages, arrange appraisals, and settle 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 in the St Louis or Columbia, MO geo areas. 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 your time 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: $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 You will investigate origin and cause of high exposure claims by contacting theappropriate partiesincluding insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc. Checks for prior claims and recognizes environmental exposures. You willparticipatein High Damage Reviews (HDR) to address coverage issues and exposure. Handle claims on a good faith basis. You will handle both 1st party and 3rd party claims under multiple policy types andnumerousendorsements. You will conduct on-site inspections when needed,evaluatesdamages andhandlesclaim negotiations with insureds, claimants, attorneys, public adjusters. You will respond to customer inquiries,makesappropriate decisions, and closefile. You will interpret anddeterminepolicies, leases, by-laws, declarations, articles, and contract coverages andappliesto all parties for assigned losses. Interpret claim historycoverages. You will make independent decisions but recognize whenassistanceis needed. You will provide all parties with claim process and status; answers questions orredirectto other areas. You will be a mentor and subject matter expert for less experienced adjusters. Specialized Knowledge & Skills Requirements Demonstrated ability to handle 1st and 3rd party, multi-line claims across our operating territories. Demonstrated experience providing customer-driven solutions,supportor service. Demonstrated ability toefficiently and effectively handle complex claims. Extensive knowledge of policies and endorsementscoverages. Successfully applied knowledge of each phase of the claim handling process. Licenses Valid driver's licenserequiredplus an acceptable driving record. Obtain state specific property casualty claims licensing asrequired. Travel Requirements Up to 10%. Catastrophetravelup to 75% as applicable. Physical Requirements Ascending or descending ladders, stairs, scaffolding, ramps,polesand the like. This position may require employees to visit areas that have a higher hazard than a typical office such as customer homes, body shops, or other locations. Moving self indifferent positionstoaccomplishtasks in various environments including tight and confined spaces. Adjusting or moving objects up to 50 pounds in all directions. Additional Qualifications Advanced Xactimate experiencerequired. 5 or moreyears' experiencehandling field property personallinesclaimsrequired. Prefersomeone who has handled claims over $50,000. #LI-Remote Additional Information 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. 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. #LI-JM1