Property Claims Specialist

This is a remote, work-from-home position within Pennsylvania. The selected candidate will ideally reside in Dauphin, Cumberland, York, Lancaster, Philadelphia, Chester, Montgomery, Berks County, and/or surrounding areas. A company car and equipment to work from home will be provided.

Pay

Salary Range: $79,191.00 - $126,500.00. This range represents a national range, and the actual salary will depend on factors including the scope and complexity of the role, skills, education, training, credentials, location (State), and experience of the applicant, as well as the level of the role. Position may be eligible for an annual bonus payment.

Benefits

• Premier health, prescription, dental, and vision benefits for you and your dependents (coverage begins your first day of work).
• Low contributions to medical and prescription premiums (ERIE currently pays up to 97% of employees’ monthly premium costs).
• Traditional pension plan (vested after five years of service).
• 401(k) with up to 4% contribution match (in addition to the pension).
• Paid time off, including vacation, personal days, sick days, bereavement days, and parental leave.
• Career development, including tuition reimbursement for higher education and industry designations.
• Company-paid basic life insurance and short- and long-term disability insurance.
• Orthodontic coverage for children and adults.
• Adoption assistance and fertility/infertility coverage.
• Well-being programs.
• Paid volunteer hours for community service.
• Dollar-for-dollar matching of charitable gifts each year.

About the Role

Exercises independent discretion or judgment in the handling of assigned property claims. Serves as a consultant to claims adjusters in their handling of property losses.

Responsibilities

• Establishes immediate contact with policyholders and claimants.
• Conducts extensive investigations into causes and origins of all major property claims.
• Interviews insureds, claimants, and others as required.
• Inspects property damage, reviews information to prepare estimates, evaluates and makes recommendations regarding coverage of claims, determines liability and total value of claims, and negotiates settlements.
• Sets and maintains adequate reserves.
• Exercises discretion and independent judgment in evaluating property damage to determine the extent of damage.
• Determines liability and total value of claim, develops estimate, and obtains an agreed scope of work and cost of repair with contractor and/or policyholder.
• Determines value as it applies to the coverage.
• Determines steps necessary to initiate investigation of a property loss; uses outside experts and attorneys as required.
• Documents claim files and submits final report to file for closure.
• Assigns and supervises the handling of property losses by independent adjusters when necessary.
• Advises claims adjusters regarding handling of claims.
• Conducts related training of field office claims personnel in the branch and at the Home Office.
• Attends industry-related training programs to stay current on legal developments and ensure compliance with applicable laws and regulations.
• Establishes and maintains relationships with local, state, and regional organizations and agencies involved in related activities.
• Acts as coordinator of the Catastrophe Team activities at catastrophe sites.

The first five duties listed are essential to the job. Regular and predictable attendance is an essential job function. For certain positions, including leadership roles, regular and predictable onsite presence may also be an essential function based on business and operational needs.

Requirements

• High School Diploma or GED and five years of claims handling experience (up to two years of equivalent experience may be substituted); or Bachelor’s Degree and three years of claims handling experience (up to two years of equivalent experience may be substituted).
• Working knowledge of Windows software.
• Ability to serve on the Catastrophe Team, which may include travel on short notice to other locations for periods exceeding two consecutive weeks.
• 24-hour availability for emergency claims service.
• Valid driver's license and good driving record.
• Good time management and organization skills.
• Ability to drive/travel regularly within the assigned territory.
• Willingness to work in harsh conditions, including bad weather and severely damaged buildings.

Qualifications

• Successful completion of Introduction to Claims (AIC 30) and AIC 35 preferred.
• Appropriate license as required by state.

Physical Requirements

• Use of Personal Protective Equipment (PPE) is required.
• Ability to move over 50 lbs using lifting aide equipment (often, 20-50%).
• Climbing/accessing heights (moderate, 30-40%).
• Driving (frequent, 50-80%).
• Lifting/moving 0-20 lbs (often, 20-50%).
• Lifting/moving 20-50 lbs (often, 20-50%).
• Manual keying/data entry/inputting information/computer use (often, 20-50%).
• Pushing/pulling/moving objects or equipment with wheels (occasional, less than 20%).

Skills

• Values Diversity
• Self-Development
• Nimble Learning
• Collaborates
• Information Management
• Customer Focus
• Cultivates Innovation
• Job-Specific Knowledge
• Instills Trust
• Optimizes Work Processes
• Ensures Accountability
• Decision Quality