Claims Field Senior Property Adjuster

Job Summary This position handles moderate to complex homeowner property insurance claims written by the Interinsurance Exchange, ensuring compliance with all regulatory and statutory requirements. The primary functions include investigation, damage evaluation, negotiation strategies, and claims resolution. The role requires discretion and independent judgment to maintain compliance with state and federal law and company best practices. Job Duties Identify and obtain statements from insureds, vendors, and witnesses; conduct phone and/or field investigations to determine coverage, damages, and differentiate between allegations and facts in each loss. Communicate and interact with a variety of individuals; explain benefits, coverages, and the claims process verbally or in writing in compliance with regulatory and statutory requirements; recognize and appropriately address moderate complexity coverage issues. Evaluate and determine claim values upon receipt and assessment of property damage data. Negotiate within settlement authority with insureds to resolve first claims. Update database production reports, document, and update claim files via company systems (e.g., CACS, HUON, HOC, GUIDEWIRE). Control expenses for areas of responsibility. Verify and interpret/resolve coverage by gathering necessary information to ensure policy applicability; address issues that may be questioned in audit; coordinate with internal and external departments as required. May attend and participate in legal proceedings. Respond quickly and effectively to customer needs and problems. Qualifications Bachelor’s equivalent combination of education and experience. 4–6 years of prior claims handling experience (required). 4–6 years of property claims administration experience (preferred). 1–3 years of experience in the construction industry (preferred). Working knowledge of claims administration best practices and procedures. Moderate knowledge of insurance, fault assessment, negligence, and subrogation principles. Comprehensive understanding of vehicle and building repair procedures and third‑party liability issues. Experience with Microsoft Office suite, general computer software, and claims software. Moderate leadership skills. Advanced organization and planning skills. Advanced oral and written communication skills. Advanced interpersonal skills. Valid driver’s license, acceptable DMV record, and minimum liability insurance issued by state (required). An insurance/claims adjuster license may be required for claims administration in specific states. Travel Requirements Claims field duties may involve company car usage and local travel to inspect accident scenes or first‑party homeowner losses (approximately 40%). Benefits Health coverage for medical, dental, and vision. 401(k) savings plan with company match and pension. Tuition assistance. Floating holidays and PTO for community volunteer programs. Paid parental leave. Wellness programs. Employee discounts (membership, insurance, travel, entertainment, services, and more!). AAA is an Equal Opportunity Employer. Our organization participates in E‑Verify. #J-18808-Ljbffr