General Liability Property Damage Adjuster - Nashville, Tennessee

The Role

The Senior Casualty/Property Liability Adjuster manages all aspects of liability claims in a variety of business classes, effectively determining and communicating the extent of liability or damage associated with each claim. The adjuster assists the client in fulfilling its obligation to policyholders and maintaining the client’s claims processing functions including; evaluating potential coverage issues, liability and damages, risk transfer opportunities, litigation and settlement matters within the limits of assigned authority levels and in compliance with applicable legal and regulatory requirements.

Responsibilities

• Evaluate potential coverage issues, liability and damages, risk transfer opportunities, litigation and settlement matters within the limits of assigned authority levels and in compliance with applicable legal and regulatory requirements.
• Assist the client in fulfilling its obligation to policyholders and maintaining the client’s claims processing functions.
• Conduct thorough interviews or other methods to obtain necessary information from the claimant and experts such as architects, engineers, builders, construction workers, police officers, health care practitioners, accountants, and others to fully and accurately assess the extent of the loss.
• Apply thorough understanding of insurance policies and policy interpretation to properly conduct an investigation, establish appropriate loss estimates based on all relevant information and findings, provide coverage recommendations, and draft coverage letters, if requested by the client.
• Work cooperatively with expert witnesses, attorneys, underwriting department staff, investigators, vendors, and carriers’ examiners as needed to conduct investigations, confirm findings, and support evaluations.
• Ensure the accuracy of the information collected and reported and guards against fraudulent claims, based on critical issues identified and accurate conclusions drawn.
• Follow all applicable policies, procedures, and practices, and incorporates sound judgment in formulating recommendations and completing evaluations and reports.
• Prepare accurate, clear, thorough, and concise reports and letters to insurance carriers, providing appropriate conclusions and recommendations.
• Arrange contractors’ estimates, and other specialists’ appointments as required.
• Handle more complex claims involving various situations, including contractor liability, products liability, and construction defects with the appropriate level of guidance.
• Identify claims whose complexity warrants escalation to a more senior level adjuster.
• Identify and address third party liability and tender opportunities through investigation and/or contract interpretation.
• Maintain accurate, thorough field notes, journal entries, and time and expense records.
• Submit reimbursement reports in keeping with organization and client policies, procedures and practices, and within accepted industry standards.
• Apply knowledge of both time-and-expense and fee-for-service procedures, according to the stipulations of the agreement with the client.

Requirements

• Senior experience in related claims handling preferred.
• Active license.
• Fundamental understanding of claims adjudication knowledge of commercial and residential construction industries and/or basic knowledge of automotive and transportation industry desirable.
• Fundamental understanding of how to perform code investigations.
• Fundamental knowledge of estimate building through Xactimate.
• Sound negotiating, conflict resolution, and persuasion abilities.
• Ability to draft coverage letters with some supervision.
• Research and investigative abilities have been demonstrated at an Intermediate level.
• Ability to interpret written technical information.
• Proficient written and oral communication skills.
• Time management and organizational skills.