Property Claims Rep 2 investigates, evaluates, negotiates and adjusts moderately complex first party property claims presented in compliance with all state regulatory requirements. Works under minimal supervision to perform work assignments and problem resolution. Recognizes life events, understands member's needs and provides direction in order to deliver superior outcomes and appropriate solutions to members.
Principle Duties and Responsibilities (Essential Functions**) :
• Investigates, evaluates and settles up to moderately complex property claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases.
• Interprets policy coverage while clearly articulating the claim process to customers.
• Investigates and assesses damage to property and creates or reviews property damage estimates. Interviews and corresponds with insureds, witnesses, police or other relevant parties to determine claim settlement, denial, or review as needed. Reviews police reports, expert reports, or physical property damage to determine the extent of liability/coverages.
• Determines coverage and preserves appropriate subrogation recovery rights. Determines amount of damages and resolves claim appropriately based upon investigation.
• Maintains a current claims diary which clearly demonstrates the events of the claim. Maintains concise yet sufficient file documentation.
• Adjusts reserves and provides reserve recommendations on a timely basis to ensure that reserve activities are consistent with organizational policies
• Negotiates claim settlements and when settlement cannot be negotiated confers with legal counsel regarding litigated claims.
• Pays and concludes claims within designated authority level.
• Ability to work in a hybrid working environment, with several days in the office and several days remote, unless an ADA accommodation is needed.
• Other duties as needed or required.
Qualifications & Skills:
REQUIRED:
• High school diploma or GED and at least two years property adjusting experience. Experience may substitute for education.
• Proven ability to meet customer needs and provide exemplary service by informing customers of the claims process and ensuring a positive customer experience. Excellent customer focus and proven ability to proactively meet customer needs.
• Ability to read, analyze, understand and interpret contracts, estimates, or statutory regulations. Ability to effectively present information to insured, claimants and other customers.
• Ability to operate a PC and related software. Computer literate in Windows operating environment.
• Intermediate property construction knowledge, property claims contracts and interpretation of case law.
• Knowledge of claims systems. Ability to utilize and understand industry supported tools such as PILR, FC&S, PLRB, Xactimate and Symbility.
• Proven analytical skills necessary to make decisions and resolve conflict in such areas as application of coverage to submitted claims, application of laws of jurisdiction to investigation facts, application of policy exclusions and exceptions.
• Excellent written and verbal communication skills necessary to effectively communicate and/or negotiate with policyholders, claimants, attorneys, agents, and general public.
• Proven organizational skills to effectively prioritize increased and more complex workloads.
• Deals with confidential information and/or issues using discretion and judgment.
PREFERRED:
• Participation in technical insurance or industry coursework preferred (AEI, CPCU, AIC, INS)
** To comply with regulations by the Americans with Disabilities Act (ADA), the principal duties in job descriptions must be essential to the job. To identify essential functions, focus on the purpose and the result of the duties rather than the manner in which they are performed. The following definition applies: a job function is essential if removal of that function would fundamentally change the job
Comprehensive Benefits:
How to Apply:
If you are passionate about helping people, have a strong understanding of property claims, and are ready to join a dynamic team, we encourage you to apply.
Grange Insurance Association is an equal opportunity employer and welcomes all qualified candidates to apply.
Grange Insurance Association is committed to ensuring a diverse and inclusive workplace where all employees are treated with respect and dignity. We encourage applications from candidates of all backgrounds and experiences.
Compensation details: 23.04-37.6 Hourly Wage
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