Job Summary:

The Adjusting Function is responsible for verifying policy coverage and limits. The Adjusting function investigates and evaluates damage and/or liability; estimates damages, losses, or total indemnity; sets and maintains reserves; and/or negotiates and settles claims. Catastrophe (CAT) claims result from catastrophic weather events, such as hurricanes, wildfires, earthquakes, and other man-made catastrophic events as well as local office load balancing claims and can include auto, commercial, flood and/or property losses.

Under general supervision, this job is responsible for meeting with customers across the country to investigate, negotiate and settle moderately complex property, vehicle damage (which may include automobiles, motorcycles, all-terrain vehicles, recreational vehicles, and boats), or flood claims, including claims for Encompass customers, when our customers are involved in a catastrophic event. The individual reviews the policy, determines loss coverage, inspects and assesses the property or vehicle damage, prepares or reviews a repair estimate for covered losses, and processes payment to customers. In addition to their adjusting duties as a CAT adjuster, this individual also, under occasional direction from unit members, is responsible for workflow management when a mega-event occurs, including serving as an MCC or CRT member, providing oversight and coordination of work performed by contingent worker adjusters, coordinating with agents, overseeing the set-up of temporary claims centers, and communicating with media and/or the public. The individual also delivers compassionate service that is fast, fair, and easy, to ensure customer retention. The individual is capable of working independently, prioritizing the individual's own responsibilities, and managing the individual's own workload. The individual also consistently meets band level behaviors, production, quality, and/or customer service goals.

Work schedule is 10 consecutive working days with 4 days off. Travel required up to 90% of the time.

Key Responsibilities:

Customer Service

• Makes and maintains a connection with the customer by understanding and meeting their needs; serves the customer with empathy; and follows up to ensure that customer needs have been met
• Researches and responds to moderately complex customer communications, concerns, conflicts or issues

File Documentation and Reporting

• Summarizes documents and enters into claim system notes
• Documents a claim file with notes, evaluations and decision making process
• May handle first notice of loss of water damage claims

Coverage, Liability and Evaluation

• Investigates, reviews, determines and verifies moderately complex coverage/policy information
• Handles inside investigation of mortgagee claims

Damage Estimating

• Reviews vehicle damage, takes photos, and determines reparability or total loss
• Reviews/approves moderately complex repair estimate
• Prepares moderately complex damage estimates and assists in locating parts
• Conditions vehicles and prepares report for customer
• Organizes and reconciles bills
• Conducts fast track property/structural estimating
• Handles ALE (additional living expense) claims as needed
• Handles contents inventories, moderately complex pricing analysis, and mitigation bills, and prepares claims reports
• Handles specialized claims and supplements
• Inspects and estimates water damage in a dwelling, hail damage, and smoke or fire damage
• May handle claims involving sink holes or Public Adjuster involvement

Job Qualifications:

• Bachelors degree in related field preferred or equivalent experience
• 2+ years auto estimating expereince REQUIRED.
• Additional property/structural estimating expereince is PREFERRED.
• Ability to interact effectively with internal or external customers and act with empathy
• Applies general knowledge of insurance policy, coverage, and regulation
• Applies general knowledge of claim processes, policies, procedures, claim systems, coverage, liability, damage estimating, and/or settlement, and adherence to applicable legal compliance standards
• Applies general industry knowledge to discipline practices, including best practices, to support the business unit
• Applies general knowledge of analytical procedures to reconcile, manipulate, and recognize patterns of data
• Applies general knowledge of standardized problem solving and preparation of basic reports for analysis
• Applies general ability to leverage learned technical skills in support of team objectives
• Applies general negotiation and/or arbitration skills
• Applies general conflict management and problem resolution skills in managing internal and external customer relationships
• Ability to investigate, evaluate, negotiate and settle moderately complex claims
• Provides individual decision making within authority limits
• Has and maintains all appropriate licenses and registrations for the role per state requirements

Sign-On Bonus:

You may be eligible for a $1000 Licensing Sign on Bonus if you have the applicable active licenses needed for this role. This could include Home Resident Property & Casualty License, Designated Home State (DHS) Florida or Texas License, and/or applicable Appraiser License.

Candidates who have previously worked for and are seeking to be rehired at Allstate and its family of companies are not eligible for this sign-on bonus.