Description
Summary:
This position is responsible for investigation, inspection, and settlement of assigned losses. This position is also responsible for providing outside field property claims inspection service as directed by inside claims representatives, and adjusting and settling claims for all lines of business written by the company with settlement authority up to $30,000.
Functions:
- Handle claims according to company guidelines and in compliance with the Unfair Claims Practices Act.
- Investigate claims assigned. This may include taking photos, measuring damaged property, diagramming, and writing estimates as well as written and phone communication with insureds, claimants, and their legal representatives.
- Verify policy coverage on assigned losses.
- Pursue subrogation, salvage, and third-party liability contribution.
- Conduct physical inspections of property loss sites.
- Evaluate claim information to determine if payment of the claim or a denial is in order.
- Notify Property Claim Manager of all claims that exceed settlement authority of $30,000.
- Establish and maintain proper and adequate reserves on assigned claims.
- Report claim complaints, questionable claim submissions and possible fraud to Property Claim Manager or Claims Manager.
- Attend claims seminars and insurance related meetings; participate in claims associations.
- Assist Property Claim Manager and Claims Manger in attending arbitrations, hearings, or court proceedings, as needed.
- Remain available to service claims after normal business hours, weekends, and holidays, if needed.
- Perform other duties as assigned by the Property Claims Manager and Claims Manager.
Requirements
- Five to ten years’ Property and Casualty claims experience, with some prior experience handling claims as a field claims representative preferred.
- Ability to learn the coverages of all insurance policies written by the company required.
- Effective communication and negotiation skills required.
- Ability to work effectively with company computer systems required.
- Ability to work remotely, independently and without direct supervision required.
- Proficiency and knowledge of the Xactimate estimating platform preferred.
- Involvement in insurance-related seminars and continuing education preferred.
- Ability to effectively converse with the public required.
- Valid driver’s license with a safe driving record required.
- Ability to set up and climb ladders, balance at various heights, stoop, bend, or crawl to inspect structures while conducting physical inspections of property loss sites required.
- Ability to carry work materials weighing up to 50 lbs. required.
- Ability to work flexible hours, travel to all organization offices (including in Pennsylvania, Ohio, and South Dakota) and travel to vendor work sites required.
- Ability to work in an office environment with moderate noise level, remain in a stationary position and operate a computer a majority of the time required.
- Ability to move throughout the office to access work materials and to move work materials weighing up to ten pounds daily required.
- Ability to perform the essential functions of the job with or without reasonable accommodation required.