Homeowner Liability Property Adjuster -Analyst III / Consultant I -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 Analyst III / Consultant I is responsible for investigating moderately complex and occasionally complex, represented and unrepresented claims. The individual also may handle moderate and occasionally complex CPL (comprehensive personal liability) claims. The individual takes recorded statements, resolves loss of use claims, makes payments to appropriate parties, and negotiates and settles property damage to third parties. This desk handles multiple types of homeowners, boat, and ATV policies as well as all perils related to third party liability. Key Responsibilities Negotiates and settles claims in accordance with business unit best practices. Reviews estimates in preparation for claims settlement evaluation. Coordinate the appraisal process for highly complex, disputed claims, ensuring adherence to policy provisions. Determines and explains minimum coverage limits in moderately complex and occasionally 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. May analyze contracts such as lease agreements and condominium documents. Preferred Qualifications 1+ years of claims experience. Proficient communication skills, especially over the phone, to establish rapport and assess claims accurately. Ability to work independently and remotely, while managing time efficiently. Familiarity with insurance policies, coverage, and liability determination. Strong critical thinking and problem-solving skills to evaluate and negotiate injury claims successfully. Knowledge of innovative tools and platforms for effective claims evaluation. Notes The preceding description is not designed to be a complete list of all duties and responsibilities. May be required to perform other related duties as assigned. Regular, predictable attendance is an essential function of this job. 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 for California, Alaska, 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 $1000 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 to learn more. Skills Business Communications, Critical Thinking, General Liability Claims, Homeowners Claims, Information Collection, Investigative Skills, Negotiation, Property Claims, Third Party Liability, Time Management Compensation Compensation Range for this position is $60,100-$77,900 per year, 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.