[Hiring] CAT Inside Complex Adjuster @Allstate

Role Description

This job is responsible for investigating, negotiating, and settling moderately complex claims involving the contents of a homeowner loss such as a fire, water, or theft. The individual handles claims that typically require alternative housing during the restoration of the property. The individual handles claims virtually by leveraging technology tools and virtual resources to conduct a thorough analysis and evaluates damages, determines loss coverage, and authorizes payments.

This role is responsible for, but not limited to:

• Investigating, negotiating, and settling moderately complex to highly complex property claims involving contents, structure-related exposures, and Additional Living Expense (ALE).
• Handling claims virtually using advanced technology tools to evaluate damages, interpret policy coverage, ensure regulatory compliance, and deliver timely, accurate claim resolution.

A Day in the Life of a CAT Inside Complex Adjuster:

• Handles escalated, high-severity and complex claims involving contents, structure-related exposures, attorney-represented files, engineering components, and ALE damages, often tied to catastrophe or total loss events.
• Conducts thorough coverage investigations to ensure accurate policy application, including state-specific and non-standard coverages.
• Collaborates virtually with field adjusters, mitigation vendors, and external partners using advanced video and digital tools.
• Reviews documentation such as engineering reports and estimates to support claim evaluation and resolution.
• Provides empathetic, customer-focused communication throughout the claims lifecycle, especially during high-impact loss situations.
• Negotiates settlements in accordance with company standards and regulatory requirements.
• Coordinates with structure adjusters and cross-functional teams for comprehensive claim handling.
• Uses data and analytics to support decision-making and drive claim outcomes.

This role involves supporting customers during critical moments. Flexibility to work weekends and extended hours during catastrophe events is required.

Qualifications

• High School Diploma/GED (Bachelor’s degree preferred).
• 5+ years of property insurance claims handling experience.
• 2+ years of experience handling fire, water, and theft claims, including contents and Additional Living Expense (ALE).
• Strong knowledge of multiple coverages, including dwelling, contents, ALE, and state-specific or less common coverages.
• Experience handling complex, high-severity losses, such as catastrophe events, total losses, or large structural damage claims.
• Highly skilled in analyzing policy language, interpreting coverage, and applying it accurately across varying state regulations and compliance requirements.
• Ability to adapt quickly to evolving regulatory environments, particularly during catastrophe situations where guidelines may change.
• Strong analytical thinking and problem-solving skills, with the ability to assess damages, evaluate data, and make sound claim decisions.
• Technical proficiency in claims handling, including estimating, supplements, and use of tools such as Xactimate (or similar platforms).
• Exceptional customer service, with strong written and verbal communication skills, especially when handling sensitive or complex claims.
• Experience supporting or handling field/large loss claims with strong structural exposure.
• Comfortable managing claims end-to-end, including writing estimates, managing supplements, and finalizing settlements.
• Thrive in a fast-paced environment and are adaptable, organized, and detail-oriented.
• Can work independently while collaborating effectively in a virtual environment.
• Bilingual skills and/or prior military experience (a plus).

Requirements

• All licensing costs covered.
• One month of fully paid training plus up to an additional month of on-the-job training.
• Ongoing training opportunities for career growth.
• As a condition of employment, your office/area may require you to obtain an adjuster and/or appraiser license which includes passing an additional background check with the Department of Labor.
• Minimum internet speeds of 50 MB download and 5 MB upload.

Benefits

• Base compensation offered for this role is $53,500 - $95,000 annually and is based on experience and qualifications.
• Comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse.
• Monthly connectivity reimbursement to help offset internet costs for employees eligible to work from home.