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Property Field Claims Adjuster (Missouri)

American Family Insurance Agency Staff
paid time off, paid holidays, 401(k)
United States, Missouri, St. Charles
Feb 28, 2025
At American Family Insurance Claims Services (AFICS, Inc.), we're embarking on a transformation of our claims capabilities that will put customers at the center of what we do best - protecting and restoring their dreams when they need us most. We're leveraging our expertise, technology, and new ways of working to actively reinvent one of America's largest industries-creating a positive impact that empowers our customers, communities, and company to thrive. We are problem solvers who ask critical questions and consistently tackle challenges big and small. Together, we disrupt what's expected of insurance.

********** Preferred locations: St. Louis Metropolitan area, St. Charles, or North Jefferson County ***********

You will Investigate and maintain property/casualty claims, determine liability, secure information, reviews coverages, arrange appraisals, and settle claims. You will work in the field handling homeowner property field claims. You will preferably be located in or around the St. Louis Metropolitan area, St. Charles, or North Jefferson County. A fleet vehicle is provided with the position. You will report to Claims Manager.

In this primarily home-based role, you will spend 80% of your time (4+ days per week) working from home and/or in the field handling claims, typically within a 2-hour drive time radius. A company fleet vehicle is provided with the position. Candidates must reside within a 50-mile radius of the following locations: St. Louis Metropolitan area, St. Charles, or North Jefferson County.

On occasion you may be asked to travel to an office location for in person engagement activities such as team meetings, trainings, and culture events.

Position Compensation Range:

$56,000.00 - $92,000.00

Pay Rate Type:

Salary

Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates.

Primary Accountabilities

  • Investigate origin and cause of claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc.
  • Identify complex issues and seek assistance as needed. Handles claims on a good faith basis.
  • Handle 1st party claims under multiple policy types and numerous endorsements.
  • Conduct on-site inspections when needed, evaluate damages, and handles claim negotiations with insureds, claimants, attorneys, public adjusters.
  • Respond to customer inquiries, makes appropriate decisions and close file as needed.
  • Interpret and determine policies, leases, by-laws, declarations, articles and contract coverages and applies to all parties for assigned losses.
  • Proactively provides all parties with claim process and status as appropriate; answers questions or redirects to other areas.
  • May be required to complete other assignments, job duties, or participate in projects based upon skills, achievements, or experience.

Specialized Knowledge & Skills Requirements

  • Demonstrated experience providing customer-driven solutions, support, or service.
  • Demonstrated experience handling 1st party, multi-line claims across our operating territories, or other equivalent experience.
  • Demonstrated experience handling moderately complex claims, or other equivalent experience.
  • Solid knowledge and understanding of policies and endorsements related to casualty coverages, or other equivalent knowledge.
  • Solid knowledge and understanding of each phase of the claim handling process, or other equivalent knowledge.

Licenses

  • Valid driver's license required plus an acceptable driving record.

Travel Requirements

  • Up to 50%.

Physical Requirements

  • Ascend or descend ladders, stairs, scaffolding, ramps, poles and the like. This position may require employees to visit areas that have a higher hazard than a typical office such as customer homes or other locations.
  • Move self in different positions to accomplish tasks in various environments including tight and confined spaces.
  • Adjust or move objects up to 50 pounds in all directions.

Working Conditions

  • Low temperatures.
  • High temperatures.
  • Outdoor elements such as precipitation and wind.
  • Noisy environments.
  • Hazardous conditions.
  • Poor ventilation.
  • Small and/or enclosed spaces.
  • 2+ years property claims experience preferred
  • 2+ years Xactimate experience preferred

We encourage you to apply even if you do not meet all of the requirements listed above. Skills can be used in many different ways, and your life and professional experience may be relevant beyond what a list of requirements will capture. We encourage those who are passionate about what we do to apply!

We provide benefits that support your physical, emotional, and financial wellbeing. You will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health. We also offer a competitive 401(k) contribution, a pension plan, an annual incentive, 9 paid holidays and a paid time off program (23 days accrued annually for full-time employees). In addition, our student loan repayment program and paid-family leave are available to support our employees and their families. Interns and contingent workers are not eligible for American Family Insurance Group benefits.

We are an equal opportunity employer. It is our policy to comply with all applicable federal, state and local laws pertaining to non-discrimination, non-harassment and equal opportunity. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law.

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