At American Family Insurance Claims Services (AFICS, Inc.), we’re embarking on a transformation of our claims capabilities that will put customers at the center of what we do best – protecting and restoring their dreams when they need us most.
We’re leveraging our expertise, technology and new ways of working to actively reinvent one of America’s largest industries-creating positive impact that empowers our customers, communities, and company to thrive. We are problem solvers who ask critical questions and consistently tackle challenges big and small. Together, we disrupt what’s expected of insurance. Lead level role that investigates and maintains complex property/casualty claims. Determine liability, secure information, reviews coverages, arrange appraisals, and settles claims. Demonstrate experience to perform all areas of claim adjustment activities with the highest degree of competency and independence. May specialize in liability, property or catastrophe claims. This role will report directly to the Claim Manager.

Position Compensation Range:

$84,000.00 – $139,000.00

Pay Rate Type:


Compensation may vary based on the job level and your geographic work location.

Primary Accountabilities

  • You will investigate the origin and cause of high-exposure claims by contacting the appropriate parties, including insureds, claimants, agents, attorneys, contractors, experts, special investigation units, other adjusters, public personnel. Checks for prior claims and recognizes environmental exposures.
  • You will participate in High Damage Reviews (HDR) to address coverage issues and exposure. Handle claims on a good-faith basis.
  • You will handle both 1st party and 3rd party claims under multiple policy types and numerous endorsements.
  • You will conduct on-site inspections when needed, evaluate damages, and handle claim negotiations with insureds, claimants, attorneys, and public adjusters.
  • You will respond to customer inquiries, make appropriate decisions, and close files.
  • You will interpret and determine policies, leases, by-laws, declarations, articles, and contract coverages and apply them to all parties for assigned losses. Interpret claim history coverages.
  • You will make independent decisions but recognize when assistance is needed.
  • You will proactively provide all parties with the claim process and status as appropriate, answer questions, or redirect to other areas.
  • You will serve as a mentor and subject matter expert for less experienced adjusters.

Specialized Knowledge & Skills Requirements

  • Demonstrate the ability to handle 1st and 3rd party, multi-line claims across our operating territories.
  • Demonstrate experience providing customer-driven solutions, support or service.
  • Demonstrate ability to efficiently and effectively handle complex claims.
  • Extensive knowledge of policies and endorsement coverages.
  • Successfully applied knowledge of each phase of the claim-handling process.

Preferred Qualification

  • Advanced Xactimate experience.
  • 5 or more years of experience handling field property personal lines claims.
  • Someone who has handled claims over $50,000.

You will work from home, with local travel expected 4-5 days per week in the designated area. You will work in the field and handle complex homeowner property field claims in the state of California. We’re looking for someone in Northern California.


  • A valid driver’s license is required, plus an acceptable driving record.
  • Obtain state-specific property casualty claims licensing as required.

Travel Requirements

  • A company fleet vehicle is provided with the position.
  • Up to 10%.
  • Catastrophe travel up to 75% as applicable.

Physical Requirements

  • Ascend or descend ladders, stairs, scaffolding, ramps, poles, and the like. This position may require employees to visit areas that have a higher hazard than a typical office, such as customer homes, body shops, or other locations.
  • Moving self in different positions to accomplish tasks in various environments, including tight and confined spaces.
  • Adjusting or moving objects up to 50 pounds in all directions.
  • The candidate(s) selected for this role will be employed by AFICS, Inc. (American Family Insurance Claims Services, Inc.), an affiliate of American Family Mutual Insurance Company, S.I.
  • Offer to selected candidate will be made contingent on the results of applicable background checks
  • Offer to the selected candidate is contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions
  • Our policy restricts consideration of applicants needing employment sponsorship (visa) to specialty occupations. Sponsorship will not be considered for this position

We encourage you to apply even if you do not meet all of the requirements listed above. Skills can be used in many different ways, and your life and professional experience may be relevant beyond what a list of requirements will capture. We encourage those who are passionate about what we do to apply!

We provide benefits that support your physical, emotional, and financial wellbeing. You will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health. We also offer a competitive 401(k) contribution, a pension plan, an annual incentive, 9 paid holidays and a paid time off program (23 days accrued annually for full-time employees). In addition, our student loan repayment program and paid-family leave are available to support our employees and their families. Interns and contingent workers are not eligible for American Family Insurance Group benefits.

We are an equal opportunity employer. It is our policy to comply with all applicable federal, state and local laws pertaining to non-discrimination, non-harassment and equal opportunity. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law.