Property Damage Specialist
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). Use - for any list of duties/requirements/benefits, and
for prose. Do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it. Preserve ALL substantive information; do NOT invent or summarize away detail. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. IMPORTANT: include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Prefer a few substantive sections over many thin ones.
We need to decide which sections to include. The posting includes Company Description, Role Description, Responsibilities, Job Requirements, Physical Demands. There's no explicit Benefits, Pay, Schedule. So we should not create those sections.
We need to use headings like "About the role" maybe for Role Description? Or "Company Description"? The examples list headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We can adapt: Use "About the role" for Role Description (or maybe "Company Description"?). Could also have "Company Description" as heading but not in list; but they said use those examples, not strict. Probably we can use headings that match content: "Company Description", "Role Description", "Responsibilities", "Requirements", "Physical Demands". However they said use
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It suggests we should use those headings when applicable. So we could map:
- Company Description: maybe not needed as separate heading? Could be part of About the role? But better to include "Company Description" as heading? The instruction says use those examples, but not exclusive. I'd include headings that make sense: "Company Description", "Role Description", "Responsibilities", "Requirements", "Physical Demands". All as .
We need to use - for any list of duties/requirements/benefits. So Responsibilities is a list; Requirements is a list; Physical Demands maybe prose but includes list? It's more prose with some details; we can keep as
. Company Description and Role Description as prose (
).
We must preserve all substantive information. Remove boilerplate: cookie/navigation/legal/EEO etc. There's none visible. There's a line "#LI-REMOTE" at end; that's likely a tag for remote; we can drop as minor metadata? It's not job ID; but it's a tag; we could fold into a short
or drop. Probably drop it.
We need to ensure we don't include duplicated lines. The posting has some repeated sentences? Let's check.
Company Description paragraph: "First Acceptance Insurance Company (FAIC) underwrites and services insurance policies and related products sold through Independent Agents. For more than 50 years, FAIC has focused on bringing peace of mind to diverse communities, including customers who may need flexible payment options or have challenging driving records. The company is committed to building long-term relationships by offering accessible coverage and responsive support. From answering policy questions to settling claims, FAIC emphasizes exceptional customer service and reliability. Team members join a company that values integrity, customer care, and sustainable growth in the insurance sector."
Role Description: "The Property Damage Specialist position reports to Tampa, FL, or Nashville, TN, with the potential to work remotely full-time.As a Property Damage Specialist, you will be responsible for investigating, evaluating, negotiating, disposing, and settling specialized auto and/or renters property claims and determining legal liability, damages, and coverage. Assigned specialty claims may involve adverse subrogation received on a single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, auto fire and theft claims, personal property and personal liability renters’ claims, and/or complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision.Position develops all potential exposures in the file and properly sets expense and indemnity reserves. The property damage specialist is responsible to protect our Insured and the Company’s financial exposures."
Then RESPONSIBILITIES heading and a long list of responsibilities separated by semicolons. We need to turn each duty into
- . The list currently is a long sentence with semicolons separating items. We'll split by semicolon and maybe also by periods? Better to treat each semicolon-separated clause as a duty. Also there are some sentences after semicolons that are separate? Let's extract.
Responsibilities text:
"Plans and conducts investigations, including but not limited to, interviewing parties involved, collecting and evaluating documentation, securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, obtaining affidavits, and contents sheets, and reviewing damage photos;
Analyzes coverage and determines liability, compensability, and the extent of damages. Assumes responsibility for assigned claims, including attorney-represented and non-represented parties, for both first- and third-party claimants.
Demonstrates a high level of investigation, analysis, evaluation, and negotiation, including interpretation of coverages.
Adheres to proper procedures relating to inspection and evaluation of property damage claims and making recommendations for the disposition of claims more than individual settlement authority.
Evaluates policy coverage contact insureds, claimants, attorneys, body shops, and/or other insurance carriers while determining and establishing reserve requirements.
Document computer log with results of review and intentions for handling
Compiles information for decision-making with a discussion of the claims committee where appropriate.
Maintains accurate records and handles administrative responsibilities associated with processing and payment of claims, records and updates status notes, and documents results of contacts per best practices.
Determines the need for independent adjusters, cause and origin experts, economists, accident re-constructionists, and engineers.
Responds timely and appropriately to all settlement demands.
Keeps internal and external customers advised of file status and other matters, as required.
Evaluates claims for potential fraud and works with Special Investigations Unit, as required.
Assesses actual damages associated with claims and conduct negotiations to settle claims.
Determines if subrogation exists and takes steps necessary to initiate recovery efforts.
Works seamlessly between multiple claim systems and platforms. Performs other duties as assigned."
We need to turn each line into
- . Some lines have multiple sentences; we can keep as one
- with the sentences.
Now Job Requirements: list of requirements. We'll turn each bullet into
- . The text after "JOB REQUIREMENTS" includes:
"Bachelor’s degree in a related field is preferred or equivalent experience;
High school diploma or equivalent required.
Minimum of two (2) years of property claims handling experience or related fields.
Exceptional evaluation and judgment skills are required.
Must possess strong customer service skills and behaviors.
Ability to make decisions in an informed, confident, and timely manner.
Ability to maintain constructive working relationships despite differing perspectives.
Strong organizational and time management skills.
Ability to negotiate skillfully in difficult situations with both internal and external groups.
Strong written and verbal communication skills, which promotes and facilitates free and open communication.
Understanding of applicable statutes, regulations, and case law.
Critical thinking skills and ability to anticipate, recognize, identify, and develop solutions to problems promptly.
Experience with subrogation laws and platforms such as Arbitration Forums preferred.
Experience with renters or homeowners and other personal liability exposures preferred.
Experience with auto fire or theft investigations preferred.
Ability to easily adapt to new or different changing situations, requirements, or priorities.
Demonstrated ability to cultivate an environment of teamwork and collaboration.
Ability to work independently and operate with latitude for un-reviewed action or decisions.
Computer proficiency (MS Office, excel, word, etc.).
Must have or secure and maintain appropriate state adjuster license(s) and continuing education credits."
We'll make each line a
- . Some lines end with period; we keep.
Physical Demands: It's a paragraph; we can keep as
. It includes multiple sentences; we keep as is.
We must not include any filler like "commensurate with experience". Not present.
Now produce HTML fragment:
Company Description
First Acceptance Insurance Company (FAIC) underwrites and services insurance policies and related products sold through Independent Agents. For more than 50 years, FAIC has focused on bringing peace of mind to diverse communities, including customers who may need flexible payment options or have challenging driving records. The company is committed to building long-term relationships by offering accessible coverage and responsive support. From answering policy questions to settling claims, FAIC emphasizes exceptional customer service and reliability. Team members join a company that values integrity, customer care, and sustainable growth in the insurance sector.
Role Description
The Property Damage Specialist position reports to Tampa, FL, or Nashville, TN, with the potential to work remotely full-time. As a Property Damage Specialist, you will be responsible for investigating, evaluating, negotiating, disposing, and settling specialized auto and/or renters property claims and determining legal liability, damages, and coverage. Assigned specialty claims may involve adverse subrogation received on a single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, auto fire and theft claims, personal property and personal liability renters’ claims, and/or complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision. Position develops all potential exposures in the file and properly sets expense and indemnity reserves. The property damage specialist is responsible to protect our Insured and the Company’s financial exposures.
Responsibilities
- Plans and conducts investigations, including but not limited to, interviewing parties involved, collecting and evaluating documentation, securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, obtaining affidavits, and contents sheets, and reviewing damage photos.
- Analyzes coverage and determines liability, compensability, and the extent of damages. Assumes responsibility for assigned claims, including attorney-represented and non-represented parties, for both first- and third-party claimants.
- Demonstrates a high level of investigation, analysis, evaluation, and negotiation, including interpretation of coverages.
- Adheres to proper procedures relating to inspection and evaluation of property damage claims and making recommendations for the disposition of claims more than individual settlement authority.
- Evaluates policy coverage contact insureds, claimants, attorneys, body shops, and/or other insurance carriers while determining and establishing reserve requirements.
- Document computer log with results of review and intentions for handling.
- Compiles information for decision-making with a discussion of the claims committee where appropriate.
- Maintains accurate records and handles administrative responsibilities associated with processing and payment of claims, records and updates status notes, and documents results of contacts per best practices.
- Determines the need for independent adjusters, cause and origin experts, economists, accident re-constructionists, and engineers.
- Responds timely and appropriately to all settlement demands.
- Keeps internal and external customers advised of file status and other matters, as required.
- Evaluates claims for potential fraud and works with Special Investigations Unit, as required.
- Assesses actual damages associated with claims and conduct negotiations to settle claims.
- Determines if subrogation exists and takes steps necessary to initiate recovery efforts.
- Works seamlessly
for prose. Do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it. Preserve ALL substantive information; do NOT invent or summarize away detail. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. IMPORTANT: include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Prefer a few substantive sections over many thin ones. We need to decide which sections to include. The posting includes Company Description, Role Description, Responsibilities, Job Requirements, Physical Demands. There's no explicit Benefits, Pay, Schedule. So we should not create those sections. We need to use headings like "About the role" maybe for Role Description? Or "Company Description"? The examples list headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We can adapt: Use "About the role" for Role Description (or maybe "Company Description"?). Could also have "Company Description" as heading but not in list; but they said use those examples, not strict. Probably we can use headings that match content: "Company Description", "Role Description", "Responsibilities", "Requirements", "Physical Demands". However they said use
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It suggests we should use those headings when applicable. So we could map:
- Company Description: maybe not needed as separate heading? Could be part of About the role? But better to include "Company Description" as heading? The instruction says use those examples, but not exclusive. I'd include headings that make sense: "Company Description", "Role Description", "Responsibilities", "Requirements", "Physical Demands". All as .
We need to use - for any list of duties/requirements/benefits. So Responsibilities is a list; Requirements is a list; Physical Demands maybe prose but includes list? It's more prose with some details; we can keep as
. Company Description and Role Description as prose (
).
We must preserve all substantive information. Remove boilerplate: cookie/navigation/legal/EEO etc. There's none visible. There's a line "#LI-REMOTE" at end; that's likely a tag for remote; we can drop as minor metadata? It's not job ID; but it's a tag; we could fold into a short
or drop. Probably drop it.
We need to ensure we don't include duplicated lines. The posting has some repeated sentences? Let's check.
Company Description paragraph: "First Acceptance Insurance Company (FAIC) underwrites and services insurance policies and related products sold through Independent Agents. For more than 50 years, FAIC has focused on bringing peace of mind to diverse communities, including customers who may need flexible payment options or have challenging driving records. The company is committed to building long-term relationships by offering accessible coverage and responsive support. From answering policy questions to settling claims, FAIC emphasizes exceptional customer service and reliability. Team members join a company that values integrity, customer care, and sustainable growth in the insurance sector."
Role Description: "The Property Damage Specialist position reports to Tampa, FL, or Nashville, TN, with the potential to work remotely full-time.As a Property Damage Specialist, you will be responsible for investigating, evaluating, negotiating, disposing, and settling specialized auto and/or renters property claims and determining legal liability, damages, and coverage. Assigned specialty claims may involve adverse subrogation received on a single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, auto fire and theft claims, personal property and personal liability renters’ claims, and/or complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision.Position develops all potential exposures in the file and properly sets expense and indemnity reserves. The property damage specialist is responsible to protect our Insured and the Company’s financial exposures."
Then RESPONSIBILITIES heading and a long list of responsibilities separated by semicolons. We need to turn each duty into
- . The list currently is a long sentence with semicolons separating items. We'll split by semicolon and maybe also by periods? Better to treat each semicolon-separated clause as a duty. Also there are some sentences after semicolons that are separate? Let's extract.
Responsibilities text:
"Plans and conducts investigations, including but not limited to, interviewing parties involved, collecting and evaluating documentation, securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, obtaining affidavits, and contents sheets, and reviewing damage photos;
Analyzes coverage and determines liability, compensability, and the extent of damages. Assumes responsibility for assigned claims, including attorney-represented and non-represented parties, for both first- and third-party claimants.
Demonstrates a high level of investigation, analysis, evaluation, and negotiation, including interpretation of coverages.
Adheres to proper procedures relating to inspection and evaluation of property damage claims and making recommendations for the disposition of claims more than individual settlement authority.
Evaluates policy coverage contact insureds, claimants, attorneys, body shops, and/or other insurance carriers while determining and establishing reserve requirements.
Document computer log with results of review and intentions for handling
Compiles information for decision-making with a discussion of the claims committee where appropriate.
Maintains accurate records and handles administrative responsibilities associated with processing and payment of claims, records and updates status notes, and documents results of contacts per best practices.
Determines the need for independent adjusters, cause and origin experts, economists, accident re-constructionists, and engineers.
Responds timely and appropriately to all settlement demands.
Keeps internal and external customers advised of file status and other matters, as required.
Evaluates claims for potential fraud and works with Special Investigations Unit, as required.
Assesses actual damages associated with claims and conduct negotiations to settle claims.
Determines if subrogation exists and takes steps necessary to initiate recovery efforts.
Works seamlessly between multiple claim systems and platforms. Performs other duties as assigned."
We need to turn each line into
- . Some lines have multiple sentences; we can keep as one
- with the sentences.
Now Job Requirements: list of requirements. We'll turn each bullet into
- . The text after "JOB REQUIREMENTS" includes:
"Bachelor’s degree in a related field is preferred or equivalent experience;
High school diploma or equivalent required.
Minimum of two (2) years of property claims handling experience or related fields.
Exceptional evaluation and judgment skills are required.
Must possess strong customer service skills and behaviors.
Ability to make decisions in an informed, confident, and timely manner.
Ability to maintain constructive working relationships despite differing perspectives.
Strong organizational and time management skills.
Ability to negotiate skillfully in difficult situations with both internal and external groups.
Strong written and verbal communication skills, which promotes and facilitates free and open communication.
Understanding of applicable statutes, regulations, and case law.
Critical thinking skills and ability to anticipate, recognize, identify, and develop solutions to problems promptly.
Experience with subrogation laws and platforms such as Arbitration Forums preferred.
Experience with renters or homeowners and other personal liability exposures preferred.
Experience with auto fire or theft investigations preferred.
Ability to easily adapt to new or different changing situations, requirements, or priorities.
Demonstrated ability to cultivate an environment of teamwork and collaboration.
Ability to work independently and operate with latitude for un-reviewed action or decisions.
Computer proficiency (MS Office, excel, word, etc.).
Must have or secure and maintain appropriate state adjuster license(s) and continuing education credits."
We'll make each line a
- . Some lines end with period; we keep.
Physical Demands: It's a paragraph; we can keep as
. It includes multiple sentences; we keep as is.
We must not include any filler like "commensurate with experience". Not present.
Now produce HTML fragment:
Company Description
First Acceptance Insurance Company (FAIC) underwrites and services insurance policies and related products sold through Independent Agents. For more than 50 years, FAIC has focused on bringing peace of mind to diverse communities, including customers who may need flexible payment options or have challenging driving records. The company is committed to building long-term relationships by offering accessible coverage and responsive support. From answering policy questions to settling claims, FAIC emphasizes exceptional customer service and reliability. Team members join a company that values integrity, customer care, and sustainable growth in the insurance sector.
Role Description
The Property Damage Specialist position reports to Tampa, FL, or Nashville, TN, with the potential to work remotely full-time. As a Property Damage Specialist, you will be responsible for investigating, evaluating, negotiating, disposing, and settling specialized auto and/or renters property claims and determining legal liability, damages, and coverage. Assigned specialty claims may involve adverse subrogation received on a single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, auto fire and theft claims, personal property and personal liability renters’ claims, and/or complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision. Position develops all potential exposures in the file and properly sets expense and indemnity reserves. The property damage specialist is responsible to protect our Insured and the Company’s financial exposures.
Responsibilities
- Plans and conducts investigations, including but not limited to, interviewing parties involved, collecting and evaluating documentation, securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, obtaining affidavits, and contents sheets, and reviewing damage photos.
- Analyzes coverage and determines liability, compensability, and the extent of damages. Assumes responsibility for assigned claims, including attorney-represented and non-represented parties, for both first- and third-party claimants.
- Demonstrates a high level of investigation, analysis, evaluation, and negotiation, including interpretation of coverages.
- Adheres to proper procedures relating to inspection and evaluation of property damage claims and making recommendations for the disposition of claims more than individual settlement authority.
- Evaluates policy coverage contact insureds, claimants, attorneys, body shops, and/or other insurance carriers while determining and establishing reserve requirements.
- Document computer log with results of review and intentions for handling.
- Compiles information for decision-making with a discussion of the claims committee where appropriate.
- Maintains accurate records and handles administrative responsibilities associated with processing and payment of claims, records and updates status notes, and documents results of contacts per best practices.
- Determines the need for independent adjusters, cause and origin experts, economists, accident re-constructionists, and engineers.
- Responds timely and appropriately to all settlement demands.
- Keeps internal and external customers advised of file status and other matters, as required.
- Evaluates claims for potential fraud and works with Special Investigations Unit, as required.
- Assesses actual damages associated with claims and conduct negotiations to settle claims.
- Determines if subrogation exists and takes steps necessary to initiate recovery efforts.
- Works seamlessly
- for any list of duties/requirements/benefits. So Responsibilities is a list; Requirements is a list; Physical Demands maybe prose but includes list? It's more prose with some details; we can keep as
. Company Description and Role Description as prose (
). We must preserve all substantive information. Remove boilerplate: cookie/navigation/legal/EEO etc. There's none visible. There's a line "#LI-REMOTE" at end; that's likely a tag for remote; we can drop as minor metadata? It's not job ID; but it's a tag; we could fold into a short
or drop. Probably drop it. We need to ensure we don't include duplicated lines. The posting has some repeated sentences? Let's check. Company Description paragraph: "First Acceptance Insurance Company (FAIC) underwrites and services insurance policies and related products sold through Independent Agents. For more than 50 years, FAIC has focused on bringing peace of mind to diverse communities, including customers who may need flexible payment options or have challenging driving records. The company is committed to building long-term relationships by offering accessible coverage and responsive support. From answering policy questions to settling claims, FAIC emphasizes exceptional customer service and reliability. Team members join a company that values integrity, customer care, and sustainable growth in the insurance sector." Role Description: "The Property Damage Specialist position reports to Tampa, FL, or Nashville, TN, with the potential to work remotely full-time.As a Property Damage Specialist, you will be responsible for investigating, evaluating, negotiating, disposing, and settling specialized auto and/or renters property claims and determining legal liability, damages, and coverage. Assigned specialty claims may involve adverse subrogation received on a single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, auto fire and theft claims, personal property and personal liability renters’ claims, and/or complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision.Position develops all potential exposures in the file and properly sets expense and indemnity reserves. The property damage specialist is responsible to protect our Insured and the Company’s financial exposures." Then RESPONSIBILITIES heading and a long list of responsibilities separated by semicolons. We need to turn each duty into
- . The list currently is a long sentence with semicolons separating items. We'll split by semicolon and maybe also by periods? Better to treat each semicolon-separated clause as a duty. Also there are some sentences after semicolons that are separate? Let's extract. Responsibilities text: "Plans and conducts investigations, including but not limited to, interviewing parties involved, collecting and evaluating documentation, securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, obtaining affidavits, and contents sheets, and reviewing damage photos; Analyzes coverage and determines liability, compensability, and the extent of damages. Assumes responsibility for assigned claims, including attorney-represented and non-represented parties, for both first- and third-party claimants. Demonstrates a high level of investigation, analysis, evaluation, and negotiation, including interpretation of coverages. Adheres to proper procedures relating to inspection and evaluation of property damage claims and making recommendations for the disposition of claims more than individual settlement authority. Evaluates policy coverage contact insureds, claimants, attorneys, body shops, and/or other insurance carriers while determining and establishing reserve requirements. Document computer log with results of review and intentions for handling Compiles information for decision-making with a discussion of the claims committee where appropriate. Maintains accurate records and handles administrative responsibilities associated with processing and payment of claims, records and updates status notes, and documents results of contacts per best practices. Determines the need for independent adjusters, cause and origin experts, economists, accident re-constructionists, and engineers. Responds timely and appropriately to all settlement demands. Keeps internal and external customers advised of file status and other matters, as required. Evaluates claims for potential fraud and works with Special Investigations Unit, as required. Assesses actual damages associated with claims and conduct negotiations to settle claims. Determines if subrogation exists and takes steps necessary to initiate recovery efforts. Works seamlessly between multiple claim systems and platforms. Performs other duties as assigned." We need to turn each line into
- . Some lines have multiple sentences; we can keep as one
- with the sentences. Now Job Requirements: list of requirements. We'll turn each bullet into
- . The text after "JOB REQUIREMENTS" includes: "Bachelor’s degree in a related field is preferred or equivalent experience; High school diploma or equivalent required. Minimum of two (2) years of property claims handling experience or related fields. Exceptional evaluation and judgment skills are required. Must possess strong customer service skills and behaviors. Ability to make decisions in an informed, confident, and timely manner. Ability to maintain constructive working relationships despite differing perspectives. Strong organizational and time management skills. Ability to negotiate skillfully in difficult situations with both internal and external groups. Strong written and verbal communication skills, which promotes and facilitates free and open communication. Understanding of applicable statutes, regulations, and case law. Critical thinking skills and ability to anticipate, recognize, identify, and develop solutions to problems promptly. Experience with subrogation laws and platforms such as Arbitration Forums preferred. Experience with renters or homeowners and other personal liability exposures preferred. Experience with auto fire or theft investigations preferred. Ability to easily adapt to new or different changing situations, requirements, or priorities. Demonstrated ability to cultivate an environment of teamwork and collaboration. Ability to work independently and operate with latitude for un-reviewed action or decisions. Computer proficiency (MS Office, excel, word, etc.). Must have or secure and maintain appropriate state adjuster license(s) and continuing education credits." We'll make each line a
- . Some lines end with period; we keep.
Physical Demands: It's a paragraph; we can keep as
. It includes multiple sentences; we keep as is. We must not include any filler like "commensurate with experience". Not present. Now produce HTML fragment:
Company Description
First Acceptance Insurance Company (FAIC) underwrites and services insurance policies and related products sold through Independent Agents. For more than 50 years, FAIC has focused on bringing peace of mind to diverse communities, including customers who may need flexible payment options or have challenging driving records. The company is committed to building long-term relationships by offering accessible coverage and responsive support. From answering policy questions to settling claims, FAIC emphasizes exceptional customer service and reliability. Team members join a company that values integrity, customer care, and sustainable growth in the insurance sector.
Role Description
The Property Damage Specialist position reports to Tampa, FL, or Nashville, TN, with the potential to work remotely full-time. As a Property Damage Specialist, you will be responsible for investigating, evaluating, negotiating, disposing, and settling specialized auto and/or renters property claims and determining legal liability, damages, and coverage. Assigned specialty claims may involve adverse subrogation received on a single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, auto fire and theft claims, personal property and personal liability renters’ claims, and/or complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision. Position develops all potential exposures in the file and properly sets expense and indemnity reserves. The property damage specialist is responsible to protect our Insured and the Company’s financial exposures.
Responsibilities
- Plans and conducts investigations, including but not limited to, interviewing parties involved, collecting and evaluating documentation, securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, obtaining affidavits, and contents sheets, and reviewing damage photos.
- Analyzes coverage and determines liability, compensability, and the extent of damages. Assumes responsibility for assigned claims, including attorney-represented and non-represented parties, for both first- and third-party claimants.
- Demonstrates a high level of investigation, analysis, evaluation, and negotiation, including interpretation of coverages.
- Adheres to proper procedures relating to inspection and evaluation of property damage claims and making recommendations for the disposition of claims more than individual settlement authority.
- Evaluates policy coverage contact insureds, claimants, attorneys, body shops, and/or other insurance carriers while determining and establishing reserve requirements.
- Document computer log with results of review and intentions for handling.
- Compiles information for decision-making with a discussion of the claims committee where appropriate.
- Maintains accurate records and handles administrative responsibilities associated with processing and payment of claims, records and updates status notes, and documents results of contacts per best practices.
- Determines the need for independent adjusters, cause and origin experts, economists, accident re-constructionists, and engineers.
- Responds timely and appropriately to all settlement demands.
- Keeps internal and external customers advised of file status and other matters, as required.
- Evaluates claims for potential fraud and works with Special Investigations Unit, as required.
- Assesses actual damages associated with claims and conduct negotiations to settle claims.
- Determines if subrogation exists and takes steps necessary to initiate recovery efforts.
- Works seamlessly