Claims Complex Property Adjuster

Role Overview

• This position supports the Property Claims operation by handling claims reported on Homeowner policies written by the Interinsurance Exchange in compliance with all regulatory and statutory requirements.
• The position handles claims of high complexity.
• The primary functions include interpreting information from First Notice of Loss reports, loss investigation, coverage and damages evaluation, negotiation strategies and claims resolution.
• Employs discretion and independent judgment to ensure compliance with state and federal laws.
• Applies technical and customer service best practices in accordance with company guidelines.
• Identify and obtain statements from insureds, claimants and witnesses.
• Conduct phone investigations to determine coverage and damages and differentiate between allegations and facts in each loss.
• Determine policy obligations by assessing the liability and damage components of the loss.
• Responsible for maintaining proper activities and service levels.
• Communicate and interact with a variety of individuals, including members, insureds, claimants, and vendors, as well as coordinating with internal and external departments.
• Explain policy coverages, benefits, and claims process verbally and/or in writing in compliance with regulatory and statutory requirements.
• Recognize and appropriately address complex coverage and subrogation issues.
• Evaluate, assess, and negotiate within settlement authority with insureds to resolve first-party claims in multiple markets.
• Demonstrate proficiency with assessment of personal property, property damage, coverage, loss of use, arbitration responses, damage evaluations, and claims technology and tool usage.
• Objectively discern and address issues that may be questioned in an audit.
• Mentor and assist with the training of less experienced personnel within the Claims promotional/development guidelines and provide coaching in files.
• May attend and participate in legal proceedings.
• Direct and interact with in-house and outside counsel on litigated files.
• Provide sworn expert testimony in Courtroom or Deposition settings.
• Prepare comprehensive formal reporting on high-profile claims to senior management.
• Respond quickly to customer needs and problems.

Requirements

• Bachelors Equivalent combination of education and experience
• Preferred 7-9 years Prior claims handling experience.
• Required 7-9 years Property claims administration experience.
• Preferred Working knowledge of claims administration best practices and procedures.
• Advanced knowledge of insurance, coverage investigation, scope and damage assessment, negligence and subrogation principles required.
• Advanced knowledge of Microsoft Office suite, general computer software and claims software.
• Comprehensive understanding of building and vehicle repair procedures and third-party liability issues.
• Advanced leadership skills among peers required.
• Advanced organization and planning recognition skills required
• Advanced oral and written communication skills required.
• Advanced interpersonal skills required.
• Valid Driver's License, acceptable Department of Motor Vehicles record and minimum liability insurance
• Issued by State Required
• Chartered Property Casualty Underwriter
• Insurance Institute of America Preferred
• Associate in Claims
• Insurance Institute of America Preferred
• An insurance/claims adjuster license may be required for claims administration in specific states.

Benefits

• Health coverage for medical, dental, vision
• 401(K) saving plans with company match AND Pension
• Tuition assistance
• Floating holidays and PTO for community volunteer programs
• Paid parental leave
• Wellness programs
• Employee discounts (membership, insurance, travel, entertainment, services and more!)