Senior Homeowner Liability Adjuster - Complex Bodily Injury Litigation - Remote

At Allstate, great things happen when our people work together to protect families and their belongings from life’s uncertainties. And for more than 90 years, our innovative drive has kept us a step ahead of our customers’ evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection.

Job Description

As an Adjuster, you will be responsible for investigating and managing complex homeowner liability claims, including dog bites, slip-and-fall incidents, and other claims involving third-party property damage and/or bodily injury. Working remotely from your home office, you will independently handle a litigation-focused caseload while delivering exceptional customer service throughout the claim lifecycle. In this role, you will evaluate coverage, liability, and damages, conduct thorough investigations, and work closely with customers, attorneys, and other claim stakeholders. Communication will occur through multiple channels, including phone, email, and text. Leveraging innovative claims platforms and tools, you will negotiate settlements, manage litigation exposures, and help drive fair and timely claim resolutions. This position is designed for an experienced litigation/complex claims adjuster who is comfortable handling higher-severity bodily injury claims and navigating the litigation process.

Key Responsibilities:

• Negotiates and settles claims in accordance with business unit best practices.
• Review policy language and analysis determine coverage.
• Reviews of medical reports in preparation for claims settlement evaluation.
• Coordinate the appraisal process for highly complex, disputed claims, ensuring adherence to policy provisions.
• Determines and explains coverage limits in moderately complex and complex claims involving single or multiple claimants, also determines claim value.
• Sets initial reserve, updates reserve, documents rationale and claim summary notes.
• Act as the primary point of contact for policyholder attorneys, leading direct negotiations to resolve disputes efficiently.
• Draft and respond to attorney correspondence, requests for information, and demands to maintain compliance and mitigate legal exposure.
• Researches and responds to moderately complex and occasionally complex customer communications, concerns, conflicts or issues.
• Summarizes documents and enters into claim system notes, documenting a claim file with notes, evaluations and decision-making process.

Qualifications:

• 3+ years of bodily injury claims handling experience, including litigation and/or complex casualty claims.
• Experience handling homeowner liability claims (dog bites, premises liability, etc.) preferred but not required.
• Strong investigation, negotiation, and claim resolution skills.
• Ability to effectively manage attorney-represented claims and complex liability exposures.
• Candidates based on the West Coast are strongly preferred. Applicants in other locations may be considered if they can reliably work Pacific Time zone hours.

Training:

• The first approximately 6-9 weeks of employment are dedicated to onboarding, licensing (if applicable), and role-specific training designed to prepare you for success in the role. Successful candidates must be able to attend required training sessions, actively participate in virtual learning activities, and successfully complete the training program.

Supervisory Responsibilities:

• This job does not have supervisory duties.

Remote Home-Based Work:

• This position is a permanent remote home-based role. Your home office does not need to be near an Allstate office, but it does need to be in the United States. This position is not available to Alaska, California, Hawaii or Washington residents.

When you work from home full time, you’ll need:

• A home office – a dedicated workspace in your residence that is private and free from distractions.
• A minimum internet bandwidth of 50 MB down/5 MB up.
• Appropriate work surface and seating.

What will Allstate provide?

• A technology bundle that includes all equipment needed to perform your work from home (laptop, monitors, headset, keyboard, mouse).
• Connectivity reimbursement of $80 per month to offset some of the cost of internet.

Certificates, Licenses, Registrations:

• As a condition of employment, your office/area may require you to obtain an adjuster and/or an appraiser license which includes passing an additional background check with the Department of Labor. If applicable, you will be required to secure license(s) within 60 days of hire. 
• If required, the Hiring Manager will work with you along with the Centralized Licensing team to ensure that you are properly licensed. 

Notice of Licensing Requirement: 

• As a requirement of employment, individuals who currently hold an active insurance license must terminate all existing appointments prior to onboarding and must not hold any outside appointments at any point during employment.
• Applicants seeking an adjuster role who also hold a resident producer license must formally surrender that license when instructed to by the licensing team. By proceeding with the application process, applicants acknowledge and accept these licensing requirements and agree to comply.

Sign-on Bonus:

• You may be eligible for a $1,000 Licensing Sign on Bonus if you have the applicable active licenses needed for this role. This could include Home Resident Property & Casualty License, Designated Home State (DHS) Florida or Texas License, and/or applicable Appraiser License.
• Current employees or candidates who have previously worked for Allstate, including its family of companies, are not eligible for this sign-on bonus.

Allstate Benefits:

• Being a part of Allstate means you receive a benefits package from Day 1 of employment.  This includes time off, healthcare, retirement, and more.  That is why as an Allstater, you’ll enjoy a Total Rewards package that includes:
• Competitive pay with needed support for continuous development and career advancement.
• Flexibility in scheduling and a time off policy that helps support your work/life balance.
• Initial and ongoing training to get you proficient in your new role.
• Comprehensive benefits like a 401K/pension, education reimbursement, and programs to help you balance work with the rest of your life. Visit www.allstategoodlife.com to learn more.

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Skills

Bodily Injury Claims, Business Communications, Complex Claims, Complex Litigation, Critical Thinking, General Liability Insurance, Homeowners Claims, Information Collection, Time Management

Compensation

Compensation offered for this role is 65,600.00 - 110,075.00 annually and is based on experience and qualifications.

The candidate(s) offered this position will be required to submit to a background investigation.

Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger – a winning team making a meaningful impact.

Allstate generally does not sponsor individuals for employment-based visas for this position.

Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component.

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Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs.

When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload.

To help create a more personal and engaging experience, we ask that you join with your camera on if your interview is virtual. Please also have a Valid Photo Identification available at the start of your interview. If you require any accommodations or have questions ahead of your interview please reach out to your recruiter.

Note: Internal candidates are only asked to join on video; a Valid Photo Identification is not needed for the interview.