Claims Complex Property Adjuster

Claims Complex Property Adjuster

This position supports the Property Claims operation by handling claims reported on Homeowner policies written by the Interinsurance Exchange in compliance with all regulatory and statutory requirements. The position handles claims of high complexity. The primary functions include interpreting information from First Notice of Loss reports, loss investigation, coverage and damages evaluation, negotiation strategies and claims resolution. Employs discretion and independent judgment to ensure compliance with state and federal laws.

Applies technical and customer service best practices in accordance with company guidelines.

• Identify and obtain statements from insureds, claimants and witnesses.
• Conduct phone investigations to determine coverage and damages and differentiate between allegations and facts in each loss.
• Determine policy obligations by assessing the liability and damage components of the loss.
• Maintain proper activities and service levels.
• Communicate and interact with insureds, claimants, vendors and internal departments.
• Explain policy coverages, benefits, and claims process verbally and/or in writing in compliance with regulatory and statutory requirements.
• Recognize and appropriately address complex coverage and subrogation issues.
• Evaluate, assess, and negotiate within settlement authority with insureds to resolve first‑party claims in multiple markets.
• Demonstrate proficiency with personal property assessment, property damage, coverage, loss of use, arbitration responses, damage evaluations, and claims technology and tool usage.
• Objectively discern and address issues that may be questioned in an audit.
• Mentor and assist with training of less experienced personnel within claims promotional/development guidelines and provide coaching in files.
• Attend and participate in legal proceedings when required.
• Direct and interact with in‑house and outside counsel on litigated files.
• Provide sworn expert testimony in courtroom or deposition settings.
• Prepare comprehensive formal reporting on high‑profile claims to senior management.
• Respond quickly to customer needs and problems.

• Bachelor’s equivalent combination of education and experience.
• Prior claims handling experience – 7 to 9 years preferred.
• Property claims administration experience – 7 to 9 years required.
• Working knowledge of claims administration best practices and procedures – preferred.
• Advanced knowledge of insurance, coverage investigation, scope and damage assessment, negligence and subrogation principles.
• Advanced knowledge of Microsoft Office suite, general computer software and claims software.
• Comprehensive understanding of building and vehicle repair procedures and third‑party liability issues.
• Advanced leadership skills among peers.
• Advanced organization and planning recognition skills.
• Advanced oral and written communication skills.
• Advanced interpersonal skills.
• Valid driver’s license, acceptable Department of Motor Vehicles record and minimum liability insurance issued by state.
• Chartered Property Casualty Underwriter certification – preferred.
• Associate in Claims certification – preferred.
• An insurance/claims adjuster license may be required for claims administration in specific states.

Occasional travel to off‑site business meetings or conferences (5% proficiency).

The starting pay range for this position is $38.64 – $51.46 per hour.

• Health coverage for medical, dental and vision.
• 401(k) saving plans with company match and pension.
• Tuition assistance.
• Floating holidays and PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts (membership, insurance, travel, entertainment, services and more).

AAA is an Equal Opportunity Employer. Our organization participates in E‑Verify.