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Independent Contractor Catastrophe Adjuster Jobs

SageSure

Property Field Adjuster II

Lafayette, LA · On-site

SageSure, a leader in catastrophe-exposed property insurance, is seeking a Field Property Claims ... Partner with external parties (contractors, public adjusters, attorneys, etc.) and internal ...

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$82.5K

$98K

How much do independent contractor catastrophe adjuster jobs pay per year?

As of Aug 10, 2026, the average yearly pay for independent contractor catastrophe adjuster in the United States is $82,500.00, according to ZipRecruiter salary data. Most workers in this role earn between $73,500.00 and $91,500.00 per year, depending on experience, location, and employer.

What are some of the main challenges faced by independent contractor catastrophe adjusters during large-scale disaster events?

Independent Contractor Catastrophe Adjusters often encounter challenges such as long work hours, rapidly changing conditions, and high claim volumes during major disaster events. The role frequently requires travel to affected areas, sometimes on short notice, and working in environments with limited resources or disrupted infrastructure. Adjusters must be adaptable, organized, and able to communicate empathetically with policyholders experiencing significant loss, all while meeting strict deadlines and maintaining accurate documentation.

What is an independent contractor catastrophe adjuster?

An Independent Contractor Catastrophe Adjuster is a professional who evaluates insurance claims resulting from large-scale disasters, such as hurricanes, floods, or wildfires. They work on a contract basis, typically being deployed to affected areas by insurance companies or adjusting firms when a catastrophe occurs. Their main responsibilities include inspecting damaged properties, assessing the extent of losses, and helping policyholders file claims. Unlike staff adjusters, independent contractors are paid per claim or assignment, and may work for multiple companies. This role often requires travel, flexibility, and the ability to work long hours during disaster events.

What are the key skills and qualifications needed to thrive as an independent contractor catastrophe adjuster, and why are they important?

To thrive as an Independent Contractor Catastrophe Adjuster, you need a solid understanding of insurance claims processes, property assessment, and relevant state licensure or industry certification such as a Texas All-Lines Adjuster License. Familiarity with claims management software (like Xactimate), digital documentation tools, and remote inspection systems is crucial. Strong attention to detail, resilience under pressure, and effective communication skills help you navigate complex claims and interact with policyholders during stressful situations. These capabilities are vital to ensure accurate, timely claims resolution and maintain trust during disaster recovery efforts.

What is the difference between Independent Contractor Catastrophe Adjuster vs Independent Contractor Property Adjuster?

AspectIndependent Contractor Catastrophe AdjusterIndependent Contractor Property Adjuster
CredentialsAdjuster license, certifications in catastrophe claimsAdjuster license, property claims certifications
Work EnvironmentField work during disaster response, temporary assignmentsField inspections, property damage assessments
Employer & Industry UsageInsurance carriers, catastrophe response firmsInsurance companies, independent adjusting firms
Search & Comparison IntentDisaster claims, catastrophe adjusting jobsProperty damage adjusting jobs

Both roles involve adjusting insurance claims, but the Independent Contractor Catastrophe Adjuster specializes in large-scale disaster response, while the Independent Contractor Property Adjuster focuses on individual property claims. Understanding these differences helps job seekers find the right fit in the insurance adjusting industry.

More about Independent Contractor Catastrophe Adjuster jobs
What cities are hiring for Independent Contractor Catastrophe Adjuster jobs? Cities with the most Independent Contractor Catastrophe Adjuster job openings:
What are the most commonly searched types of Catastrophe Adjuster jobs? The most popular types of Catastrophe Adjuster jobs are:
What states have the most Independent Contractor Catastrophe Adjuster jobs? States with the most job openings for Independent Contractor Catastrophe Adjuster jobs include:
What job categories do people searching Independent Contractor Catastrophe Adjuster jobs look for? The top searched job categories for Independent Contractor Catastrophe Adjuster jobs are:
Independent Contractor Catastrophe Adjuster jobs near you
Infographic showing various Independent Contractor Catastrophe Adjuster job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 17% Part Time, and 8% Contract. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $82,500 per year, or $39.7 per hour.

Catastrophe Property Field Claims Adjuster

American Family Mutual Insurance Company Si

Houston, TX • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 7 days ago

American Family Insurance rating

7.5

Company rating: 7.5 out of 10

Based on 135 frontline employees who took The Breakroom Quiz

217th of 304 rated insurance

Job description

Job Description Summary
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.

Position Compensation Range:

Pay Rate Type:

Salary

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

Job Description

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

  • 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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