Senior Examiner, Homeowner Claims – Multi-State
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Job Description
Senior claims examiner settling complex homeowners property claims for CSAA Insurance Group, a AAA personal-lines insurer. Investigating coverage, estimating repairs, coordinating adjusters, and resolving claims remotely across eligible U.S. states.
Responsibilities:
- Investigate, evaluate, negotiate, and settle homeowners property and personal property claims from first notice of loss through resolution
- Serve as owning adjuster for assigned low- to higher-complexity claims
- Oversee service providers conducting physical or virtual inspections
- Assign, coordinate, and oversee independent adjuster assignments
- Manage homeowners property claims and handle applicable first-party coverages and Key Operating Losses
- Analyze policy language, endorsements, and state regulations to investigate coverage
- Communicate coverage decisions and resolve coverage-related questions
- Coordinate emergency mitigation services
- Write and review repair estimates, evaluate contractor estimates, and determine claim payments and reserves
- Identify subrogation and Special Investigation Unit opportunities and prepare referrals
- Manage relationships with independent adjusters, public adjusters, attorneys, contractors, and other external partners
- Conduct virtual claim inspections and collaborate remotely with customers, vendors, and independent adjusters
- Prepare claim correspondence, including settlement letters, partial denials, and denials
- Maintain accurate documentation and ensure timely, compliant claim handling
- Develop knowledge and skills to progress to Level 5 Homeowner Adjuster competency
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 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
- Ability to explain complex coverage decisions and prepare customer correspondence
- Bachelor’s degree is a plus
- Two years of experience handling complex property claims would be advantageous
- Knowledge of residential home construction and repair practices would be advantageous
- Must have authorization to work indefinitely in the United States
- Must not require immigration support now or in the future
Benefits:
- Annual bonus eligibility for most roles
- 401(k) with a company match
- Career growth, mentoring, leadership programs, tuition support, and hands-on development opportunities
- Flexible Workplace / remote-first culture
- Home-Flex roles working primarily from home with flexibility to work from various locations including CSAA offices
- Inclusive and welcoming workplace
- Reasonable accommodations for qualified applicants and employees with disabilities or other limitations
- Company-wide annual discretionary bonus through the Annual Incentive Plan (AIP), up to 10% of eligible pay
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