Claims Adjuster II, Field Property - National Catastrophe

** You will regularly engage in direct, and at times, emotionally charged conversations with customers—clearly explaining coverage decisions, setting expectations, and delivering difficult news with empathy and professionalism.
** The ability to remain composed and compassionate in the face of loss, frustration, or uncertainty is essential. Strong communication skills and emotional resilience are critical, as you’ll be guiding customers through some of the most challenging moments of their lives.
In this role, you’ll conduct on-site inspections, evaluate property damages, determine policy coverage, and make timely, accurate decisions using a variety of tools and resources, including vendor estimates, independent adjusters, and self-written assessments. You'll also be responsible for full file ownership, maintaining appropriate reserves, managing claim activity (including supplements and requests for depreciation), ensuring compliance with internal standards and regulatory requirements, and providing proactive communication with external customers throughout each stage of the claim.

Collaboration with internal teams such as Special Investigations and Subrogation may be required to identify fraud or recovery opportunities. Staying current on industry repair practices, regional pricing trends, and legal developments is key to success.
** This is a demanding, customer-facing role that requires a unique blend of technical expertise, critical thinking, and emotional intelligence.*
* ** Candidates should be comfortable working independently in disaster zones, managing a high volume of claims, working 12 hours a day, up to 21 days in a row, and adapting quickly to evolving priorities.
** If you’re driven by purpose, thrive under pressure, and want to make a meaningful impact during times of crisis, this role offers a challenging and deeply rewarding opportunity.
* Prior insurance field/property claims handling or adjusting experience
* Proficiency with Xactimate
* Prior estimate writing experience
* Ability to handle claims of varying complexity from start to finish
* Prior experience working in on site in a catastrophe environment
* Ability to carry a ladder and climb a roof
* Strong customer service competency
* Strong written and verbal communication skills.
* Handles all assigned claims promptly and effectively, with little to no direction and oversight. Makes decisions within delegated authority as outlined in company policies and procedures.
* Determines proper policy coverages and applies appropriate claims practices to resolve cases in alignment with company guidelines.
* Opens, closes, and adjusts reserves according to company practices to ensure reserve adequacy. Adheres to file conferencing notification and authority procedures.
* Maintains current knowledge of insurance and applicable product/services; court decisions which may impact the claims function; current guidelines; and policy changes and modifications. This may require attending various seminars and training sessions.
* Maintains current knowledge of local industry repair procedures and local market pricing.
* Submits severe incident reports, reinsurance reports and other information to claims management as needed.
* Partners with Special Investigations Unit and Subrogation to identify fraud and subrogation opportunities. Assists or prepares files for lawsuit, trial, or subrogation.
* Initiates and conducts follow-ups through proficient use of claims and other related business systems.
* Delivers outstanding customer service to all internal, external, current, and prospective Nationwide customers. Adheres to high standards of professional conduct while providing delivery of outstanding claim's service.
** 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…