Property Adjuster - Catastrophe Virtual Estimating

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

This job is responsible for investigating, negotiating and settling complex property damage and liability insurance claims. The consultant uses high resolution photographs provided by virtual imagery solutions to identify damages and write a damage estimate from a virtual setting. This individual reviews the insurance policy, evaluates damages, determines loss coverage, and authorizes payments. The individual provides work guidance and direction to less senior employees and provides mentoring and coaching to the team.

As a Virtual Property Adjuster, you will play a crucial role in providing exceptional service to our policyholders. Working remotely from your home office, your primary responsibilities will include virtually inspecting damages, investigating coverage, preparing estimates, and settling claims promptly and accurately. You’ll interface with customers, contractors, and vendors through platforms such as Xactimate, ClaimsX Video Collaboration, phone, email, and text. This role places a specific focus on wind and hail claims, ensuring our customers receive top-notch support and resolution.

What You’ll Do

• Customer Service Expert – Live into Allstate’s Claims Culture by caring, empowering, and restoring. You’ll lead with empathy and be a compassionate, clear, and committed partner in each property claim.
• Investigator – Confidently and independently investigate property claims, perform detailed damage reviews, and interpret policies to determine coverage.
• Effective Communicator – Use phone, email, and video chat to guide customers through a fast, fair, and easy claims process. Tailor communication to customer preferences and keep them updated.
• Negotiator – Evaluate and negotiate claim settlements with customers, vendors, third-party carriers, and claimants, using sound legal and business practices—even in challenging or complex situations.
• Problem Solver – Use multiple tools in a fast-paced environment, including estimate tools, job aids, and settlement platforms, while applying sharp critical thinking skills.
• Recorder – Protect the company financially by executing policies accurately and maintaining clear documentation in the claims system.

Additional responsibilities include:

• Using high-resolution photographs and advanced video technology to collaborate with onsite vendors and write damage estimates virtually.
• Conducting detailed property reviews and writing estimates to capture the extent of damages.
• Reviewing policies and explaining coverage and estimates to customers.
• Communicating empathetically and guiding customers through the claims process.
• Negotiating settlements in accordance with business unit standards.
• Using data and analytics to support decision-making.
• Completing and reviewing contents inventory, pricing, and mitigation bills.
• Inspecting and estimating damage from water, hail, smoke, or fire.
• Investigating and verifying moderately to occasionally complex coverage and policy information.

You’re a Great Match If You Have:

• At least 3+ years Property Field Claims Experience
• Familiarity with Xactimate and other virtual assessment tools.
• Strong analytical skills to assess damages and determine coverage.
• Excellent negotiation and communication skills.
• Ability to work independently and manage time efficiently in a virtual environment.
• Attention to detail and a commitment to high-quality claim resolutions.

Schedule, Travel & Hiring Locations

• Fully remote; open to any U.S. time zone (except CA, AK, WA, HI, PR).
• Schedule: Sun-Thurs 8a-5p w/mandatory CAT hours 7a-7p during CAT events.
• No travel required
• Not Eligible for Residents of: California, Alaska, Washington, Hawaii, or Puerto Rico

Licensing Information

• Your office/area may require you to obtain an adjuster and/or appraiser license, which includes passing a background check with the Department of Labor.
• If applicable, licenses should be secured within 60 days of hire.
• The Hiring Manager and Centralized Licensing team will support you through the licensing process.

Technology & Internet Requirements 

50 MBPS download and 5 MBPS upload. In addition, wired internet connections are recommended for optimal experience and may be required for certain customer-facing roles.

Note: This description is not intended to be a complete list of all duties. Additional responsibilities may be assigned as needed. Regular, predictable attendance is an essential function of this job.

#LI-MH1

Skills

Claims Processing, Decision Making, Estimatics, Policy Interpretation, Property Claims, Xactimate, Xactimate Estimating

Compensation

Base compensation offered for this role is $56,000 - $115,000 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.

For jobs in San Francisco, please click “here” for information regarding the San Francisco Fair Chance Ordinance.

For jobs in Los Angeles, please click “here” for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance.

To view the “EEO Know Your Rights” poster click “here”. This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs.

To view the FMLA poster, click “here”. This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint.

It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.

 

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.