Claims Senior Property Adjuster

About the role

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 moderate to high complexity. Primary functions include interpreting information from First Notice of Loss reports, claim investigation, coverage evaluation, negotiation strategies, and claims resolution. The role employs discretion and independent judgment to ensure compliance with state and federal laws and applies technical and customer service best practices in accordance with company guidelines.

Responsibilities

• Identify and obtain statements from insureds, vendors, 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.
• Maintain proper activities and service levels.
• Communicate and interact with a variety of individuals; explain policy coverages, benefits, and claims process verbally and/or in writing in compliance with regulatory and statutory requirements.
• Recognize and appropriately address moderate-complexity coverage issues.
• Evaluate, assess, make decisions, and negotiate within settlement authority to resolve first-party claims in multiple markets.
• Demonstrate proficiency with assessment of personal property, property damage, loss of use, and claims technology and tool usage.
• Objectively discern and address issues that may be questioned in an audit.
• Coordinate with internal and external departments as required.
• Respond quickly and effectively to customer needs and problems.
• May attend and participate in legal proceedings.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience.
• 4–6 years of prior claims handling experience required.
• 4–6 years of Property claims administration experience preferred.
• Working knowledge of claims administration best practices and procedures.
• Moderate knowledge of fault assessment, negligence, and subrogation principles required.
• Working knowledge of Microsoft Office suite, general computer software, and claims software.
• 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.
• An insurance/claims adjuster license may be required for claims administration in specific states.

Travel Requirements

Occasional travel to off-site business meetings or conferences (5% proficiency).

Benefits

• Health coverage for medical, dental, and vision.
• 401(k) savings 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).