Claims Adjuster II, Field Property - National Catastrophe

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! At Nationwide®, “on your side” goes beyond just words. 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.

• About the Role
• This is a highly visible, field-based opportunity on Nationwide’s National Catastrophe (NATCAT) Response Team—supporting customers when they need us most. As a Property Claims Field Adjuster, you’ll respond to major disaster events nationwide, including hurricanes, tornadoes, wildfires, and floods, delivering hands-on support and guidance during critical moments of recovery.

In this role, you’ll travel to impacted areas (up to 80%, often on short notice) to assess property damage, evaluate coverage, and help policyholders navigate the claims process with confidence. You’ll play a key role in helping individuals, families, and communities recover and rebuild.

Make an Impact Where It Matters Most

This is more than a claims role—it’s an opportunity to be a trusted partner during times of uncertainty. You’ll engage directly with customers—often in emotionally challenging situations—providing clear guidance, setting expectations, and delivering outcomes with empathy and professionalism. Strong communication skills and emotional intelligence are essential to success in this role.

What You’ll Do

Conduct on-site property inspections and damage assessments in catastrophe zones

Investigate and resolve moderate to complex property claims from start to finish

Determine policy coverage and prepare estimates using tools like Xactimate

Own the full lifecycle of claims, including reserving, supplements, and documentation

Partner with internal teams (e.g., Special Investigations, Subrogation) as needed

Maintain compliance with regulatory and internal standards while ensuring timely resolutions

Provide proactive, consistent updates to customers throughout the claims process

​ What You Bring (Preferred Qualifications & Core Skills)

We’re looking for experienced claims professionals who bring both technical expertise and a strong customer-first mindset:

Prior insurance field/property claims handling or adjusting experience

Proficiency with Xactimate and prior estimate writing experience

Demonstrated ability to manage claims of varying complexity from start to finish

Experience working on-site in catastrophe (CAT) environments

Ability and willingness to carry a ladder and safely inspect roofs

Strong customer service orientation, especially in high-stress situations

Excellent written and verbal communication skills

What It Takes to Succeed

This role is ideal for individuals who thrive in dynamic, high-intensity environments and are motivated by purpose-driven work. You should be comfortable working independently in the field, managing a high volume of claims, and adapting quickly in evolving disaster situations. Assignments may involve extended deployments, including 12-hour days for up to 21 consecutive days.

If you're energized by meaningful work, excel under pressure, and want to make a tangible difference in people’s lives, you’ll find this role both challenging and deeply rewarding.

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 with our customers. 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 (PL) business, you'll investigate and resolve moderate to severe property damage claims by phone.

Job Description

Key Responsibilities:

Handles all assigned claims promptly and effectively, with little to no direction and oversight. Makes decisions within delegated authority as outlined in company policies and procedures.

Determines proper policy coverages and applies appropriate claims practices to resolve cases in alignment with company guidelines.

Opens, closes, and adjusts reserves according to company practices to ensure reserve adequacy. Adheres to file conferencing notification and authority procedures.

Maintains current knowledge of insurance and applicable product/services; court decisions which may impact the claims function; current guidelines; and policy changes and modifications. This may require attending various seminars and training sessions.

Maintains current knowledge of local industry repair procedures and local market pricing.

Submits severe incident reports, reinsurance reports and other information to claims management as needed.

Partners with Special Investigations Unit and Subrogation to identify fraud and subrogation opportunities. Assists or prepares files for lawsuit, trial, or subrogation.

Initiates and conducts follow-ups through proficient use of claims and other related business systems.

Delivers outstanding customer service to all internal, external, current, and prospective Nationwide customers. Adheres to high standards of professional conduct while providing delivery of outstanding claim's 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, and contracts and their application. Property estimating and automated claims systems. Demonstrated knowledge of the investigation, consultation and settlement activities used to resolve extensive property damage claims. Proven ability to meet customer needs and provide exemplary meaningful service by guiding customers through the claims process and ensuring a positive customer experience. Analytical and problem-solving skills necessary to make decisions and resolve issues related to application of coverages to submitted claims, application of laws of jurisdiction to investigation facts, and application of policy exclusions and exceptions. Ability to establish repair requirements and cost estimates for property losses. Ability to evaluate and successfully advise on property claims. Organizational skills to prioritize work. Command of written and verbal communication skills to effectively communicate with policyholders, claimants, repairpersons, attorneys, agents and the general public . Ability to efficiently operate a personal computer and related claims and business software. Able to provide leadership to less experienced claims associates. Must be able to safely access and inspect rooftops using a ladder. Must be prepared and capable of conducting 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.

Staffing exceptions to the above must be approved by the business unit executi