Property Field Claims Adjuster (Bemidji, MN)

You will work in the field and report to the Property Claim Manager handling homeowner property field claims within the Bemidji, Minnesota area.

A company fleet vehicle is provided, with an option for personal use.

You must be located within this area.

In this primarily field-based role, you will spend 80% of your time (4+ days per week) working in the field and directly interacting with customers.

Occasionally you may travel to an office location for team meetings, trainings, and culture events.

• $57,000.00 - $94,000.00
• Salary

Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates.

• Primary Accountabilities
• You will investigate the origin and cause of claims by contacting appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc.
• You will identify complex issues and seek assistance as needed. 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 as needed.
• You will interpret and determine policies, leases, by‑laws, declarations, articles and contract coverages and apply to all parties for assigned losses.
• You will proactively provide all parties with the claim process and status as appropriate; answer questions or redirect to other areas.
• Specialized Knowledge & Skills Requirements
• Demonstrated experience providing customer‑driven solutions, support, or service.
• Demonstrated experience handling 1st and 3rd party, multi‑line claims across our operating territories, or other equivalent experience.
• Demonstrated experience handling moderately complex claims, or other equivalent experience.
• Solid knowledge and understanding of policies and endorsements related to casualty coverages, or other equivalent knowledge.
• Solid knowledge and understanding of each phase of the claim handling process, or other equivalent knowledge.
• Licenses
• Valid driver’s license required plus an acceptable driving record.
• Obtain state specific property casualty claims licensing as required.
• Travel Requirements
• Catastrophe duty up to 75% as applicable.

Physical Requirements

• Ascending or descending 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.
• Additional preferred qualifications: Construction background or familiarity and experience with Xactimate.

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 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.

American Family Insurance is committed to the full inclusion of all qualified individuals.

If a reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please email Ask HR@Am Fam. com to request a reasonable accommodation.

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