Catastrophe Field Large Loss Property Adjuster
Listed on 2026-08-15
-
Insurance
Insurance Claims, Underwriter, Insurance Analyst, Insurance Risk / Loss Control
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Catastrophe Field Large Loss Property Adjuster based in United States.
This is a high-impact property claims role focused on complex and large-loss residential claims resulting from catastrophic events and unexpected damage.
This includes field inspections, virtual collaboration, coverage analysis, estimating, negotiation, and customer advocacy.
The role involves assessing significant losses from events such as fire, water, severe weather, and theft.
You will use advanced estimating and video technologies to investigate damage both onsite and remotely.
Success requires strong judgment, technical property knowledge, empathy, and the ability to make sound coverage decisions.
You will work independently and collaboratively while using data, analytics, and detailed documentation to support claim outcomes.
The position follows a 10-days-on, 4-days-off schedule
, with hours of 7 a.m. to 7 p.m. and 70% or more travel
.
- Investigate and manage complex and large-loss property claims, including losses involving fire, water, weather, theft, and other catastrophic events.
- Travel to loss locations to conduct detailed property inspections, assess damages, document findings, and prepare accurate repair estimates.
- Use virtual video technology to collaborate with onsite vendors, identify damage, and complete estimates when working remotely.
- Review policies and complex coverage information, determine how coverage applies, and clearly explain decisions and estimates to customers.
- Negotiate claim settlements in accordance with established methodologies while ensuring fair, timely, and accurate outcomes.
- Handle complex contents inventories, pricing analyses, mitigation bills, mortgagee claims, and claims involving public adjusters.
- Research and resolve complex customer concerns, conflicts, communications, and escalated issues with professionalism and empathy.
- Conduct reinspections of complex and highly complex estimates and provide quality feedback and coaching where appropriate.
- Apply advanced knowledge of regional construction types, building methods, and repair methodologies when evaluating property damage.
- Perform proactive analysis using data and analytics to support sound decision-making and identify trends or opportunities for improvement.
- Document claim files thoroughly, including investigation findings, evaluations, coverage decisions, estimates, and settlement rationale.
- Serve as a technical resource to leadership and colleagues on complex claims, coverage questions, and high‑severity losses.
- Contribute to larger business initiatives and committees, including leading medium or large projects when assigned.
- Recommend appropriate escalation of claims to specialized or central teams when additional review is required.
- Participate fully in virtual meetings and training, including engaging on camera when required.
- At least 5 years of property adjusting experience is preferred, with experience handling complex or large-loss claims strongly valued.
- Construction, restoration, or skilled-trades experience is preferred and should demonstrate familiarity with property damage and repair methodologies.
- Strong knowledge of regional construction types, property repair practices, estimating, coverage analysis, and complex claim investigation.
- Experience with Xactimate or comparable property estimating technology.
- Strong active listening, critical‑thinking, time‑management, negotiation, and problem‑solving abilities.
- Excellent written and verbal communication skills, with the ability to explain technical and policy‑related information clearly and empathetically.
- Ability to work effectively and independently in the field, remotely, virtually with vendors, and collaboratively with internal teams.
- Strong judgment and attention to detail when handling high‑severity claims, customer concerns, and complex coverage decisions.
- Ability to use data and analytics to support decisions and communicate insights effectively.
- Willingness and ability to work a 10/4 schedule
, with 7 a.m.–7 p.m. hours and 70%+…
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