Claims Adjuster II, Field Property - National Catastrophe
Nationwide, Carmel, Indiana, United States, 46033
Job Conditions
If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.
This is a field‑based role on the National Catastrophe Response Team. The position is responsible for managing property claims in response to catastrophic events across the country. As a field‑based adjuster you will be deployed to areas impacted by large‑scale disasters—such as hurricanes, tornadoes, floods, or other major events—to assess damages, support policyholders, and help communities begin the recovery process. The role requires extensive travel (up to 80%) on short notice and the ability to work in high‑pressure, fast‑paced environments for extended periods.
In this role you’ll conduct on‑site inspections, evaluate property damages, determine policy coverage, and make timely, accurate decisions using a variety of tools and resources, including vendor estimates, independent adjusters, and self‑written assessments. You’ll also be responsible for full file ownership, maintaining appropriate reserves, managing claim activity (including supplements and requests for depreciation), ensuring compliance with internal standards and regulatory requirements, and providing proactive communication with external customers throughout each stage of the claim. Collaboration with internal teams such as Special Investigations and Subrogation may be required to identify fraud or recovery opportunities. Stay current on industry repair practices, regional pricing trends, and legal developments is key to success.
Ideal Candidates Will Have
Prior insurance field/property claims handling or adjusting experience
Proficiency with Xactimate
Prior estimate writing experience
Ability to handle claims of varying complexity from start to finish
Prior experience working in on‑site catastrophe environments
Ability to carry a ladder and climb a roof
Strong customer service competency
Strong written and verbal communication skills
Job Description Summary No two property claims are ever the same and each customer has unique needs. Our team thrives on providing the very best service and building lasting, successful relationships. If you are confident, curious, driven to learn and grow, and have a desire to help people when they most need it, we want to know more about you!
As a National Catastrophe (NATCAT) Field Claims Specialist primarily supporting our Personal Lines business, you’ll investigate and resolve moderate to severe property damage claims by phone.
Job Description Key Responsibilities
Handle all assigned claims promptly and effectively, making decisions within delegated authority as outlined in company policies and procedures.
Determine proper policy coverages and apply appropriate claims practices to resolve cases in alignment with company guidelines.
Open, close, and adjust reserves according to company practices to ensure reserve adequacy. Adhere to file conferencing notification and authority procedures.
Maintain current knowledge of insurance and applicable product/services, court decisions that may impact the claims function, current guidelines, and policy changes and modifications.
Maintain current knowledge of local industry repair procedures and local market pricing.
Submit severe incident reports, reinsurance reports and other information to claims management as needed.
Partner with Special Investigations Unit and Subrogation to identify fraud and subrogation opportunities. Assist or prepare files for lawsuit, trial, or subrogation.
Initiate and conduct follow‑ups through proficient use of claims and other related business systems.
Deliver outstanding customer service to all internal, external, current, and prospective Nationwide customers, adhering to high standards of professional conduct while providing outstanding claims service.
May perform other responsibilities as assigned.
Reporting Relationships Reports to Claims Manager. Individual contributor role.
Typical Skills And Experiences Education:
Undergraduate degree or equivalent experience.
License/Certification/Designation:
State licensing where required. Successful completion of required claims certification schools or classes. Obtain Xactimate Level 1 certification within a year of start date. Obtain Xactimate Level 2 certification within two years of employment.
Experience:
Three to five years of related property claims experience or comparable job‑related experience, or education preferred. Experience in a customer service environment, including flexible work schedules and extended work hours preferred. Commercial claims property experience preferred.
Knowledge, Abilities and Skills:
General knowledge of insurance theory and practices, contracts and their application; property estimating and automated claims systems; investigation, consultation and settlement activities used to resolve extensive property damage claims; analytical and problem‑solving skills; ability to establish repair requirements and cost estimates; ability to evaluate and successfully advise on property claims; organizational skills to prioritize work; command of written and verbal communication; efficient use of personal computer and related claims and business software; ability to safely access and inspect rooftops using a ladder; ability to conduct physical inspections on rooftops, including first and second story roofs with pitches up to 8/12.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Values Regularly and consistently demonstrates the Nationwide Values and Guiding Behaviors.
Job Conditions Overtime Eligibility:
Not Eligible (Exempt)
Working Conditions:
Normal office or field claims environment. May require ability to sit and operate phone and personal computer for extended periods. Able to make physical inspections of property loss sites, including climbing ladders, balancing at various heights and rooftops up to 8/12 pitch, bending and/or crawling to inspect vehicles and structures; work outside in all types of weather. Must be willing to work irregular hours and to travel with possible overnight requirements. May be on‑call. Must be available to work catastrophes (CAT). Extended and/or non‑standard hours as required. Must have a valid driver’s licence with satisfactory driving record.
ADA:
The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
Credit/Background Check:
Due to the fiduciary accountabilities within this job, a valid credit check and/or background check will be required as part of the selection process.
Benefits We have an array of benefits to fit your needs, including medical/dental/vision, life insurance, short and long‑term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro‑rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company‑paid pension plan, business casual attire, and more.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
Smoke‑Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location.
For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf
Note to Employment Agencies: Nationwide does not accept unsolicited resumes from employment agencies unless a signed Nationwide Client Services Agreement is on file.
Salary ranges for Field Claims Specialist II, National Catastrophe Property – Personal Lines: $62,500.00 – $115,500.00 (expected starting salary $62,500.00 – $93,500.00).
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This is a field‑based role on the National Catastrophe Response Team. The position is responsible for managing property claims in response to catastrophic events across the country. As a field‑based adjuster you will be deployed to areas impacted by large‑scale disasters—such as hurricanes, tornadoes, floods, or other major events—to assess damages, support policyholders, and help communities begin the recovery process. The role requires extensive travel (up to 80%) on short notice and the ability to work in high‑pressure, fast‑paced environments for extended periods.
In this role you’ll conduct on‑site inspections, evaluate property damages, determine policy coverage, and make timely, accurate decisions using a variety of tools and resources, including vendor estimates, independent adjusters, and self‑written assessments. You’ll also be responsible for full file ownership, maintaining appropriate reserves, managing claim activity (including supplements and requests for depreciation), ensuring compliance with internal standards and regulatory requirements, and providing proactive communication with external customers throughout each stage of the claim. Collaboration with internal teams such as Special Investigations and Subrogation may be required to identify fraud or recovery opportunities. Stay current on industry repair practices, regional pricing trends, and legal developments is key to success.
Ideal Candidates Will Have
Prior insurance field/property claims handling or adjusting experience
Proficiency with Xactimate
Prior estimate writing experience
Ability to handle claims of varying complexity from start to finish
Prior experience working in on‑site catastrophe environments
Ability to carry a ladder and climb a roof
Strong customer service competency
Strong written and verbal communication skills
Job Description Summary No two property claims are ever the same and each customer has unique needs. Our team thrives on providing the very best service and building lasting, successful relationships. If you are confident, curious, driven to learn and grow, and have a desire to help people when they most need it, we want to know more about you!
As a National Catastrophe (NATCAT) Field Claims Specialist primarily supporting our Personal Lines business, you’ll investigate and resolve moderate to severe property damage claims by phone.
Job Description Key Responsibilities
Handle all assigned claims promptly and effectively, making decisions within delegated authority as outlined in company policies and procedures.
Determine proper policy coverages and apply appropriate claims practices to resolve cases in alignment with company guidelines.
Open, close, and adjust reserves according to company practices to ensure reserve adequacy. Adhere to file conferencing notification and authority procedures.
Maintain current knowledge of insurance and applicable product/services, court decisions that may impact the claims function, current guidelines, and policy changes and modifications.
Maintain current knowledge of local industry repair procedures and local market pricing.
Submit severe incident reports, reinsurance reports and other information to claims management as needed.
Partner with Special Investigations Unit and Subrogation to identify fraud and subrogation opportunities. Assist or prepare files for lawsuit, trial, or subrogation.
Initiate and conduct follow‑ups through proficient use of claims and other related business systems.
Deliver outstanding customer service to all internal, external, current, and prospective Nationwide customers, adhering to high standards of professional conduct while providing outstanding claims service.
May perform other responsibilities as assigned.
Reporting Relationships Reports to Claims Manager. Individual contributor role.
Typical Skills And Experiences Education:
Undergraduate degree or equivalent experience.
License/Certification/Designation:
State licensing where required. Successful completion of required claims certification schools or classes. Obtain Xactimate Level 1 certification within a year of start date. Obtain Xactimate Level 2 certification within two years of employment.
Experience:
Three to five years of related property claims experience or comparable job‑related experience, or education preferred. Experience in a customer service environment, including flexible work schedules and extended work hours preferred. Commercial claims property experience preferred.
Knowledge, Abilities and Skills:
General knowledge of insurance theory and practices, contracts and their application; property estimating and automated claims systems; investigation, consultation and settlement activities used to resolve extensive property damage claims; analytical and problem‑solving skills; ability to establish repair requirements and cost estimates; ability to evaluate and successfully advise on property claims; organizational skills to prioritize work; command of written and verbal communication; efficient use of personal computer and related claims and business software; ability to safely access and inspect rooftops using a ladder; ability to conduct physical inspections on rooftops, including first and second story roofs with pitches up to 8/12.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Values Regularly and consistently demonstrates the Nationwide Values and Guiding Behaviors.
Job Conditions Overtime Eligibility:
Not Eligible (Exempt)
Working Conditions:
Normal office or field claims environment. May require ability to sit and operate phone and personal computer for extended periods. Able to make physical inspections of property loss sites, including climbing ladders, balancing at various heights and rooftops up to 8/12 pitch, bending and/or crawling to inspect vehicles and structures; work outside in all types of weather. Must be willing to work irregular hours and to travel with possible overnight requirements. May be on‑call. Must be available to work catastrophes (CAT). Extended and/or non‑standard hours as required. Must have a valid driver’s licence with satisfactory driving record.
ADA:
The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
Credit/Background Check:
Due to the fiduciary accountabilities within this job, a valid credit check and/or background check will be required as part of the selection process.
Benefits We have an array of benefits to fit your needs, including medical/dental/vision, life insurance, short and long‑term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro‑rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company‑paid pension plan, business casual attire, and more.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
Smoke‑Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location.
For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf
Note to Employment Agencies: Nationwide does not accept unsolicited resumes from employment agencies unless a signed Nationwide Client Services Agreement is on file.
Salary ranges for Field Claims Specialist II, National Catastrophe Property – Personal Lines: $62,500.00 – $115,500.00 (expected starting salary $62,500.00 – $93,500.00).
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