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About the Role

Under close supervision, investigates, evaluates, negotiates, and settles homeowners property and personal property claims from first notice of loss through resolution. Serves as the owning adjuster for all assigned claims, including low- to higher-complexity losses that may require oversight of service providers conducting physical or virtual inspections. May assign, coordinate, and oversee independent adjuster assignments. This developmental role is designed to build the knowledge and skills necessary to progress to the competency level of a Level 5 Homeowner Adjuster.

Responsibilities

Manage homeowners property claims from first notice of loss through resolution, handling low- to high-complexity losses.
Investigate coverage by analyzing policy language, endorsements, and applicable state regulations; communicate coverage decisions and resolve coverage-related questions.
Coordinate emergency mitigation services to protect property from further damage while delivering a positive customer experience.
Write and review repair estimates, evaluate contractor estimates, and determine appropriate claim payments and reserves.
Handle all applicable first-party coverages and Key Operating Losses (KOLs), escalating more complex claims when appropriate.
Identify subrogation and Special Investigation Unit (SIU) opportunities and prepare referrals as needed.
Manage relationships with independent adjusters (IAs), public adjusters (PAs), attorneys, contractors, and other external partners throughout the claim lifecycle.
Conduct virtual claim inspections and collaborate remotely with customers, vendors, and independent adjusters to evaluate damages.
Prepare clear, timely claim correspondence, including settlement letters, partial denials, and denials.
Maintain accurate claim documentation and ensure timely, compliant claim handling in accordance with company policies and regulatory requirements.

Requirements

High school diploma or equivalent required.
Six years of related professional experience with transferable skills or four years of claims experience, preferably in homeowners claims.
A related bachelor's degree or higher may substitute for up to two years of required experience.
Ability to obtain and maintain Department of Insurance (DOI) adjuster licenses in applicable states.
Knowledge of homeowners insurance policies, coverage, and claims handling procedures.
Knowledge of the Xactimate estimating platform.
Excellent verbal and written communication skills, including the ability to explain complex coverage decisions and prepare customer correspondence.
Applicants must have authorization to work indefinitely in the US. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Skills

Homeowners insurance policies
Coverage
Claims handling procedures
Xactimate estimating platform
Verbal communication
Written communication
Residential home construction
Repair practices

Location

Colorado - Home Teleworkers
Alabama - Home Teleworkers
Arizona - Home Teleworkers
Arkansas - Home Teleworkers
California - Home Teleworkers
Connecticut - Home Teleworkers
Delaware - Home Teleworker
District of Columbia - Home Teleworkers
Florida - Home Teleworkers
Georgia - Home Teleworkers
Idaho - Home Teleworkers
Illinois - Home Teleworkers
Indiana - Home Teleworkers
Iowa - Home Teleworkers
Kansas - Home Teleworker
Kentucky - Home Teleworkers
Louisiana - Home Teleworkers
Maine Home Teleworkers
Maryland - Home Teleworkers
Massachusetts - Home Teleworkers
Michigan - Home Teleworkers
Minnesota - Home Teleworkers
Mississippi - Home Teleworker
Missouri - Home Teleworker
Montana - Home Teleworkers
Remote (United States, excluding Hawaii and Alaska)

Work Type

Remote
Home-Flex

Experience Level

4 years of claims experience, preferably in homeowners claims
6 years of related professional experience with transferable skills
2 years of experience handling complex property claims
Bachelor's degree may substitute for up to two years of required experience

Education Level

High school diploma or equivalent
Bachelor's degree

Salary/Compensations

$37.26-$49.72 per hour
Annual discretionary bonus of up to 10% of eligible pay

Benefits

Total compensation package
Annual bonus eligibility for most roles
401(k) with a company match

About the Company

CSAA Insurance Group (CSAA IG), a AAA insurer, is one of the leading personal lines property and casualty insurance groups in the United States.
We build innovative, human-centered solutions that help AAA members prevent, prepare for, and recover from life's uncertainties.
We are a mission-driven organization proudly committed to empowering our members, our employees, and our communities to thrive.
We believe in growth for everyone.
We embrace a remote-first culture through our Flexible Workplace.
An inclusive and welcoming workplace is the cornerstone of our success.
As climate change leads to more frequent and severe weather events, we are taking bold action to build more resilient communities and reduce our environmental impact.

Equal Opportunity

CSAA Insurance Group is an equal opportunity employer.
CSAA is committed to providing reasonable accommodations to qualified applicants and employees with disabilities or other limitations.