Property Examiner

Primary Job Responsibilities

• Determines coverage and identifies coverage issues related to various claims, applying a thorough understanding of applicable insurance policies and relevant coverage and loss types.
• Issues appropriate Reservation of Rights and/or declination letters.
• Establishes contact and maintains effective professional relationships with insured parties, agents, brokers, public adjusters, attorneys, and others involved in the claims process.
• Reviews claims and claim status with clients and brokers as necessary to facilitate the prompt, accurate resolution of claims filed.
• Obtains and prepares the necessary documentation associated with the prompt, accurate, and thorough verification of losses and administration of claims.
• Follows established policies, procedures, and processes in preparing information, and submits reports and documents in a timely manner and in accordance with insurer’s standards and expectations.
• Ensures the accuracy of information collected to identify fraud and proper reporting.
• Reviews status reports and other work products of independent adjusters and make recommendations to clients based on the information provided.
• Conducts prompt, thorough investigations of claims as required and evaluates damages.
• Assesses subrogation potential of losses and recommend files to subrogation examiners as appropriate.
• Handles moderate to large commercial and residential losses ranging from $100,000.00 to $250,000.00.
• Initial authority level set at zero pending file reviews by the Property Claims Team Leader to assess the Property Examiner’s ability regarding coverage analysis, damage assessment and proper reserving.
• May provide support to Engle Martin teams in response to catastrophic events.
• Stays abreast of industry information, development, and trends.
• Participates in special assignments and activities as required or approved; demonstrates initiative in the interest of the client and the organization.
• Maintains the confidentiality of proprietary and sensitive information, exercising sound judgment and discretion in any disclosure of information related to Engle Martin and its endeavors.
• Upholds the values of Engle Martin and Our Foundation.
• Adheres to all applicable state insurance regulations and requirements and other applicable laws, regulations, and standards; assume personal responsibility for maintaining a current state adjusting license.

Required Education & Experience

• At least 4–7 years of experience in commercial property claims examination preferred including Lloyd’s of London experience
• Bachelor’s degree in a related field, or demonstration of equivalent knowledge and critical thinking skills
• Active license or ability to obtain such in multiple jurisdictions within expected time frame

Desired Knowledge, Skills & Abilities

• Ability to handle moderate to severe damages with a medium to large level of severity
• Detail-oriented, analytical and the ability to research, investigate and problem solve
• Excellent written and verbal communication skills
• Demonstrates effective interpersonal, collaboration and listening skills to interpret client needs and drive results
• Sound knowledge base and experience with commercial property claims and identified niche market claims
• Negotiating, conflict resolution, and persuasion abilities
• Trustworthiness, integrity, personal accountability, and adherence to standards of ethical behavior and professional conduct
• Keen service orientation and ability to grasp and respond to varying client needs
• Effective time management and organization skills
• Basic mathematical and statistical skills
• Ability to interpret policies and other written technical information
• Commitment to confidentiality and ability to discretely handle sensitive information
• Skills in using word-processing, spreadsheet, and database software