Senior Desk Adjuster, Home Liability

American Family Insurance

Senior desk adjuster investigating and settling complex homeowner liability claims for American Family Insurance. Evaluating coverage, damages, negotiations, and third-party claims from a primarily home-based role.

Posted 8/13/2026full-timeMadison • Arizona, Minnesota, Montana, New Hampshire, Wisconsin • 🇺🇸 United StatesSenior💰 $69,000 - $115,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive knowledge of the claims-handling process and policies, with the ability to negotiate and settle complex homeowner property and casualty claims. Provides customer-driven solutions while mentoring less experienced adjusters and making independent decisions.

Highest-signal resume keywords

Third-Party Claims HandlingMulti-Line Claims ExperienceClaims NegotiationPolicy InterpretationCustomer Service

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims InvestigationLiability DeterminationDamage EvaluationClaims SettlementOn-Site InspectionsComplex Issue IdentificationIndependent Decision-MakingMentoring AdjustersUnderstanding of PoliciesClaims Process Knowledge

Soft Skills

Customer-Driven SolutionsEffective CommunicationProblem-SolvingCollaborationSelf-Supervision

Certifications & Qualifications

State-Specific Property Casualty Claims License

Industry Keywords

Homeowner Property ClaimsCasualty ClaimsEndorsementsGood-Faith BasisClaim Process UpdatesBackground ChecksNon-Disclosure Agreement

About the role

Key responsibilities & impact

Investigate the origin and cause of complex or highly complex homeowner property/casualty claims
Determine liability, secure information, review coverages, arrange appraisals, and settle claims
Contact insureds, claimants, agents, attorneys, contractors, experts, special investigation units, other adjusters, and public personnel
Identify complex issues and seek assistance as needed
Handle third-party claims under multiple policy types and endorsements on a good-faith basis
Conduct on-site inspections when needed and evaluate damages
Negotiate claims with insureds, claimants, attorneys, and public adjusters
Respond to customer inquiries, make appropriate decisions, and close files
Interpret policies, leases, by-laws, declarations, articles, and contract coverages
Make independent decisions, self-supervise files, and recognize when assistance is needed
Provide parties with claim process and status updates; answer questions or redirect inquiries
Mentor less experienced adjusters and serve as a subject matter expert
Complete other assignments, duties, or projects as required

Requirements

What you’ll need

Demonstrated experience providing customer-driven solutions, support, or service
Demonstrated experience handling third-party, multi-line claims
Demonstrated experience handling simple to moderately complex claims
Extensive knowledge and understanding of policies and endorsements
Extensive knowledge of each phase of the claim-handling process
Obtain state-specific property casualty claims licensing as required
Ability to work primarily from home, proximate to an office location within approximately 35–50 miles
Ability to travel up to 10%
Work that primarily involves sitting/standing
Successful applicable background checks
Signing a non-disclosure agreement for proprietary information, trade secrets, and inventions
Sponsorship will not be considered unless specified in the posting

Benefits

Comp & perks

Relocation support for eligible candidates
Comprehensive medical, dental, vision and wellbeing benefits
Competitive 401(k) contribution
Pension plan
Annual incentive
9 paid holidays
Paid time off program (23 days accrued annually for full-time employees)
Student loan repayment program
Paid-family leave
New Employee Orientation and relationship-building support
Reasonable accommodation support