CAT Complex​/Coordinated Adjuster

At Allstate, great things happen when our people work together to protect families and their belongings from life’s uncertainties. And for more than 90 years, our innovative drive has kept us a step ahead of our customers’ evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection.

Job Description Summary
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

• Work Schedule: Monday–Friday, 8:00 AM–4:45 PM CT to include rotating weekend coverage every 6–8 weeks; potential mandatory CAT/Large Claim event

• Location: Fully Remote

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). Claims often involve high-severity losses, including catastrophe events, total losses, and attorney-represented files.

The individual handles claims virtually using advanced technology tools to evaluate damages, interpret policy coverage, ensure regulatory compliance, and deliver timely, accurate claim resolution.

• Handles, but not limited to, escalated, high-severity and complex claims involving contents, structure-related exposures, attorney-represented files, engineering components, and Additional Living Expense (ALE) damages, often tied to catastrophe or total loss events

• Conduct thorough coverage investigations to ensure accurate policy application, including state-specific and non-standard coverages

• Collaborate virtually with field adjusters, mitigation vendors, and external partners using advanced video and digital tools

• Review documentation such as engineering reports and estimates to support claim evaluation and resolution

• Provide empathetic, customer-focused communication throughout the claims lifecycle, especially during high-impact loss situations

• Negotiate settlements in accordance with company standards and regulatory requirements

• Coordinate with structure adjusters and cross-functional teams for comprehensive claim handling

• Use 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.

• Have a High School Diploma/GED (Bachelor’s degree preferred)

• Bring 5+ years of property insurance claims handling experience

• Possess 2+ years of experience handling fire, water, and theft claims, including contents and Additional Living Expense (ALE)

• Demonstrate strong knowledge of multiple coverages, including dwelling, contents, ALE, and state-specific or less common coverages

• Have experience handling complex, high-severity losses, such as catastrophe events, total losses, or large structural damage claims

• Are highly skilled in analyzing policy language, interpreting coverage, and applying it accurately across varying state regulations and compliance requirements

• Demonstrate the ability to adapt quickly to evolving regulatory environments, particularly during catastrophe situations where guidelines…