Claims Specialist III, Property Large Loss (Denver, CO - WFH)

If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.

This is a work-from-home position with day travel to policy locations (on average 3-4 days a week) via company vehicle (personal use, gas and maintenance included). Claims inspections will include onsite and virtual inspection.

The selected individual must reside in the respective territory:

Territory: This role will mainly cover Colorado and Utah (Up to 50% travel)

Ideal Candidate Locations: The ideal candidate will live in the Denver, CO area.

Occasional travel outside of the territory may be required.

Relocation assistance may be available for qualified candidates who reside more than 50 miles outside of the ideal candidate locations listed.

Qualifications:

· 5 years of insurance field/property claims handling or adjusting experience (large loss - preferred)

· Solid experience/proficiency with Xactimate

· Solid experience writing own estimates and handling claims start to finish

· Construction background/experience- Residential, Roofing, Remodeling, water mitigation, etc

· Strong customer service competency

· Strong written & verbal communication skills

PLEASE NOTE that CAT duty is required for this position.

Benefits Include: Medical, Dental, Vision, 401k with company match, Company-paid Pension plan, Paid time off and more.

This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program.

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#LI-Remote

Job Description Summary

No two property claims are ever the same and each customer has unique needs. Our team thrives on providing the very best service and building lasting, successful relationships with our customers. If you are confident, curious, driven to learn and grow, and have a desire to help people when they most need it, we want to know more about you!

As a Claims Specialist, you'll work to evaluate and resolve serious exposure, large loss claims requiring investigation, liability evaluation and negotiation. We'll count on you to expedite settlements and control average loss cost and litigation expense according to the best claims practices.

Job Description

Key Responsibilities:

• Handles all assigned claims promptly and effectively, with little direction and oversight, which may include complicated and catastrophic losses. Makes decisions within delegated authority, recommends settlement values in the disposition of claims as outlined in company policies and procedures.

• Accurately pays claims based on policy provisions, state mandates and/or fee schedules.

• Determines proper policy coverages and applies standard methodologies to conclude assigned cases according to company guidelines. Adheres to high standards of professional conduct while delivering outstanding service.

• Opens, closes and adjusts reserves according to company practices to ensure reserve adequacy.

• Maintains knowledge of court decisions that may affect the claim's function; current principles and practices; innovations; and policy changes and modifications. May be required to maintain knowledge of other functions within assigned subject area. This may require attending various seminars or training sessions.

• Maintains current knowledge of local industry repair procedures and local market pricing.

• Able to act for Claims Manager. Mentors and provides leadership to less experienced claims associates. Provides one-on-one training and assists with training/presentations as assigned by claims management.

• Creates and analyzes severe incident reports, reinsurance reports and other information to corporate office, claims management and underwriting.

• Partners with Special Investigation Unit and Subrogation to identify fraud and subrogation opportunities. Assist general counsel to prepares files for suit, trial or subrogation.

• Consults claims staff and defense counsel for discovery processes and lawsuit file/trial strategy on case-specific issues.

• Initiates and conducts follow-ups through proficient use of the claims and other related business systems.

• Delivers an outstanding customer service experience to all internal, external, current and prospective Nationwide customers.

May perform other responsibilities as assigned .

Reporting Relationships: Reports to Claims Manager. Individual contributor role.

Typical Skills and Experiences:

Education: Undergraduate degree or equivalent experience preferred. Advanced degrees in law or related field desirable.

License/Certification/Designation: Successful completion of required claims certification schools or courses. Professional development such as IIA or CPCU preferred. State licensing where required. Obtain Xactimate Level 1 certification within a year of start date. Obtain Xactimate Level 2 certification within two years of employment.

Experience: Five years of experience handling property claims, insurance processing or field claims adjusting.

Knowledge, Abilities and Skills: General knowledge of insurance theory and practices, and contracts and their application. Property estimating and automated claims systems. Demonstrated knowledge of the investigation, consultation and settlement activities used to resolve extensive property damage claims. Proven ability to meet customer needs and provide exemplary meaningful service by guiding customers through the claims process and ensuring a positive customer experience. Analytical and problem-solving skills necessary to make decisions and resolve issues related to application of coverages to submitted claims, application of laws of jurisdiction to investigation facts, and application of policy exclusions and exceptions. Ability to establish repair requirements and cost estimates for property losses. Ability to evaluate and successfully advise on property claims. Organizational skills to prioritize work. Command of written and verbal communication skills to effectively communicate with policyholders, claimants, repairpersons, attorneys, agents and the general public. Ability to efficiently operate a personal computer and related claims and business software. Able to provide leadership to less experienced claims associates. Must be able to safely access and inspect rooftops using a ladder. Must be prepared and capable of conductingphysical inspections on rooftops, including first and second story roofs with pitches up to 8/12.

Other criteria, including leadership skills, competencies and experiences may take precedence.

Staffing exceptions to the above must be approved by the hiring manager’s leader and HR Business Partner.

Values: Regularly and consistently demonstrates the Nationwide Values.

Job Conditions:

Overtime Eligibility: Not Eligible (Exempt)

Working Conditions: Normal office or field claims environment. May require ability to sit and operate phone and personal computer for extended periods of time. Able to make physical inspections of property loss sites; including climb ladders, balance at various heights and rooftops up to 8/12 pitch stoop, bend and/or crawl to inspect vehicles and structures; work outside in all types of weather. Must be willing to work irregular hours and to travel with possible overnight requirements. May be on-call. Must be available to work catastrophes (CAT). Extended and/or non-standard hours as required. Must have a valid driver’s license with satisfactory driving record in accordance with Nationwide standards.

ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.

Credit/Background Check: Due to the fiduciary accountabilities within this job, a valid credit check and/or background check will be required as part of the selection process.

We currently anticipate accepting applications until 10/23/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.

Benefits

We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.

Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.

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NOTE TO EMPLOYMENT AGENCIES:

We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.

Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule.The national salary range for Claims Specialist III, Property Large Loss : $88,000.00-$164,000.00The expected starting salary range for Claims Specialist III, Property Large Loss : $88,000.00 - $132,000.00