Large Loss Property Field Claims Adjuster (San Diego, CA)

Tue, 06/23/2026 - 06:03

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 in San Diego, CA. Also open to Orange County, Inland Empire area or Los Angeles. 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 __cpLocation for in person engagement activities such as team meetings, trainings, and culture events.

Position Compensation Range:

$99,000.00 - $163,000.00

Pay Rate Type:

Salary

Compensation may vary based on the job level and your geographic work __cpLocation. Re__cpLocation 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 1st party and 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 1st and 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.

Additional Qualifications

• Advanced Xactimate experience required.

• 5 or more years’ experience handling field property personal lines claims required.

• Prefer someone who has worked for a carrier handling property claim's over 50k.

Licenses

• Valid driver's license required plus an acceptable driving record.

• Obtain state specific property casualty claims licensing as required.

Travel Requirements

• Up to 50%.

• Catastrophe travel up to 75% as applicable.

Physical Requirements

• Ascending or descending ladders, stairs, scaffolding, ramps, poles and 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 __cpLocations.

• Moving self in different positions to accomplish tasks in various environments including tight and confined spaces.

• Adjusting or moving objects up to 50 pounds in all directions.

Working Conditions

• Low temperatures.

• High temperatures.

• Outdoor elements such as precipitation and wind.

• Noisy environments.

• Hazardous conditions.

• Poor ventilation.

• Small and/or enclosed spaces.

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

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.

#LI-Remote

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 [email protected] to request a reasonable accommodation.