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Catastrophe Loss Adjuster Jobs (NOW HIRING)

Total Loss Auto Adjuster

Topeka, KS · On-site

$23.27 - $28.84/hr

Total Loss Auto Adjuster $23.27 - $28.84 / hour Job Level: Individual Contributor Shelter maintains ... May be assigned duties regarding catastrophe teams for auto losses. Required to evaluate and settle ...

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Catastrophe Loss Adjuster information

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How much do catastrophe loss adjuster jobs pay per hour?

As of Aug 23, 2026, the average hourly pay for catastrophe loss adjuster in the United States is $20.54, according to ZipRecruiter salary data. Most workers in this role earn between $17.31 and $21.88 per hour, depending on experience, location, and employer.

What is a catastrophe loss adjuster?

Catastrophe Loss Adjusters are insurance professionals who assess and evaluate property damage and losses resulting from large-scale disasters, such as hurricanes, floods, wildfires, or earthquakes. They travel to affected areas to inspect damaged property, interview policyholders, and determine the extent of the insurance company's liability. Their work helps ensure that claims are processed efficiently and policyholders receive fair settlements after catastrophic events.

What skills and qualifications are needed to be a catastrophe loss adjuster?

To thrive as a Catastrophe Loss Adjuster, you need expertise in property and casualty insurance, damage assessment, and claims investigation, usually supported by relevant licenses and sometimes a degree in a related field. Familiarity with claims management software, estimation tools like Xactimate, and industry certifications such as AIC or CPCU is common. Excellent problem-solving, resilience, and strong communication skills help handle stressful situations and interact with policyholders compassionately. These skills ensure accurate, efficient claims handling and customer satisfaction during high-pressure catastrophe events.

What challenges do catastrophe loss adjusters face during large-scale disaster events?

Catastrophe Loss Adjusters often encounter challenges such as high claim volumes, tight deadlines, and difficult working conditions following disasters. They may need to travel to affected areas on short notice, work long hours, and handle emotionally distressed policyholders. Effective communication and organizational skills are crucial, as is the ability to adapt quickly and work collaboratively with other adjusters, insurance companies, and emergency response teams.

What is the difference between Catastrophe Loss Adjuster vs Property Loss Adjuster?

AspectCatastrophe Loss AdjusterProperty Loss Adjuster
CertificationsAdjuster licenses, CAT-specific trainingAdjuster licenses, property claims training
Work EnvironmentRapid deployment to disaster sites, large-scale claimsOffice and field work for individual property claims
Employer & IndustryInsurance companies, catastrophe response teamsInsurance companies, property insurers
Search & Comparison IntentFocus on large-scale disaster claimsFocus on individual property claims

The main difference is that Catastrophe Loss Adjusters handle large-scale disaster claims after events like hurricanes or earthquakes, often working in the field during emergencies. Property Loss Adjusters typically manage individual property claims, working in offices or on-site for specific damage assessments. Both roles require licensing and industry-specific training, but their scope and work environment differ significantly.

Is a catastrophe loss adjuster a good job?

A catastrophe loss adjuster is a role that involves assessing property damage after large-scale disasters, often requiring travel, strong communication skills, and knowledge of insurance claims. The job can be rewarding for those interested in emergency response and insurance, but it can also be physically demanding and unpredictable during major events.
More about Catastrophe Loss Adjuster jobs
Infographic showing various Catastrophe Loss Adjuster job openings in the United States as of August 2026, with employment types broken down into 76% Full Time, 22% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $42,717 per year, or $20.5 per hour.

$57K - $94K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 18 days ago


American Family Insurance rating

7.5

Company rating: 7.5 out of 10

Based on 136 frontline employees who took The Breakroom Quiz

226th of 311 rated insurance


Job description

You will investigate and maintain property catastrophe claims. You will determine liability, secures information, review coverages, arrange appraisals, and settles claims. You will report to the CAT Property Claims Manager. You will be deployed to the field when a catastrophe occurs. This role offers a company fleet vehicle with the position and there's an option to use the vehicle for personal use.
You will be required to travel up to 75% for CAT duty. In this primarily home/field-based role, you will spend 80% of your time (4+ days per week) working from home or in the field. On occasion you may be asked to travel to an office location for in person engagement activities such as team meetings, trainings, and culture events.
Preferred locations: Wisconsin, Iowa, Ohio, Missouri, Illinois, Indiana, Nebraska, Kansas, Minnesota, Colorado, Oklahoma, Texas, Virginia, North Carolina and South Carolina.

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.


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 similar structures. This position may require employees to visit areas with higher hazards than a typical office environment, such as customer homes or other locations for interior, exterior, and roof inspections.
  • 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.
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

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.

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