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Property Field Claims Adjuster (Chicago, IL)

American Family Insurance · Chicago, IL · $57,000–$94,000 a year · Full time

Posted Sep 22, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

You'll be in the field 80 percent of the time around Chicagoland. How do you plan your inspections and keep files current?

What they are checking: Whether they can manage a heavy field schedule and keep documentation up to date.

Tell me about a time you had to recognize that a claim was more complex than you could handle alone.

What they are checking: Whether they know when to ask for help, which the posting expects.

What does handling a claim in good faith mean to you?

What they are checking: Whether they understand the legal and ethical duty to treat customers fairly.

What would you do

A homeowner is upset because part of their claim isn't covered. How do you explain it?

What they are checking: Whether they can deliver bad news clearly and kindly while acting in good faith.

A public adjuster's estimate is far higher than yours. How do you handle the negotiation?

What they are checking: Whether they can defend their numbers with facts while staying open to errors in their own work.

What would make you refer a claim to the special investigation unit?

What they are checking: Whether they can spot fraud signs without treating every customer as a suspect.

After a big storm, your caseload doubles overnight. How do you decide which claims to handle first?

What they are checking: Whether they prioritize by safety and urgency, like homes that are not livable.

About the work

Walk me through how you'd inspect a home after a reported roof leak.

What they are checking: Whether they can find the cause and extent of damage and tell covered from not covered.

How do you figure out whether water damage was sudden or happened over time?

What they are checking: Whether they understand cause-of-loss questions that decide coverage on homeowner claims.

What estimating software have you used, like Xactimate, and how do you build an accurate estimate?

What they are checking: Whether they can write detailed, defensible estimates.

How would you explain the difference between a first-party and a third-party claim?

What they are checking: Whether they understand the different duties owed to insureds and claimants.

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The full job description

As published by American Family Insurance.

You will work in the field and report to the Property Claim Manager, handling homeowner property field claims in the Chicagoland area. You must be located within this metro area. A company fleet vehicle is provided with the position and there's an option to use the vehicle for personal use. In this primarily field-based role, you will spend 80% of your time working in the field, directly interacting with customers. On occasion, you may be asked to travel to an office location for in-person engagement activities such as team meetings, training, and cultural events. Position Compensation Range: $57,000.00 - $94,000.00 Pay Rate Type: Salary Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates. Primary Accountabilities • Investigates origin and cause of claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc. • Identifies complex issues and seeks assistance as needed. Handles claims on a good faith basis. • Handles both 1st party and 3rd party claims under multiple policy types and numerous endorsements. • Conducts on-site inspections when needed, evaluates damages, and handles claim negotiations with insureds, claimants, attorneys, public adjusters. • Responds to customer inquiries, makes appropriate decisions and closes file as needed. • Interprets and determines policies, leases, by-laws, declarations, articles and contract coverages and applies to all parties for assigned losses. • Proactively provides all parties with claim process and status as appropriate; answers questions or redirects to other areas. • May be required to complete other assignments, job duties, or participate in projects based upon skills, achievements, or experience. 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. Additional preferred qualifications: Familiarity and experience with Xactimate. Licenses • Valid driver's license required plus an acceptable driving record. • Obtain state specific property casualty claims licensing as required. Travel Requirements • Up to 50%. • 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. Working Conditions • Low temperatures. • High temperatures. • Outdoor elements such as precipitation and wind. • Noisy environments. • Hazardous conditions. • Poor ventilation. • Small and/or enclosed spaces. #LI-Hybrid Additional Information • To ensure a strong start, all employees participate in our New Employee Orientation during their first week.  This experience is held in person at our Madison, WI Headquarters or one of our AmFam core locations to help you connect with our mission, meet key team members and build relationships that support your growth.  At times, sessions may be delivered virtually based on scheduling and availability. • Offer to selected candidate will be made contingent on the results of applicable background checks • Offer to selected candidate is contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions • Sponsorship will not be considered for this position unless specified in the posting 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. 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. 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 AskHR@AmFam.com to request a reasonable accommodation. #LI-JM1

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