Senior Claims Representative

SurSafe, formerly known as BMI Company, Inc., has proudly served individuals, families, and businesses with trusted insurance protection since 1891.

Our Claims Department adjusts claims for all lines of business from first notice of loss to conclusion, with a strong focus on customer service and helping clients through difficult moments.

About the role

A Senior Claims Representative investigates, evaluates, and settles auto claims to determine the extent of the Company's liability. This involves interviewing policyholders, claimants, and witnesses; inspecting vehicle damage; reviewing documents such as police reports; and working with attorneys. The role requires a strong understanding of insurance and company policies to ensure valid coverage and fair settlement negotiations.

Responsibilities

• Investigate auto insurance claims by interviewing policyholders, claimants, and witnesses.
• Manage more complex claims involving significant financial exposure, legal intricacies, and extended life cycles.
• Oversee medical case management for catastrophic injuries and lifetime care needs.
• Review policy terms to determine coverage and limitations.
• Inspect property damage and gather documentation (photos, police reports, repair estimates).
• Negotiate settlements with policyholders and/or third parties.
• Coordinate with legal counsel or external investigators and attend trial when necessary.
• Prepare detailed claim reports and recommendations for payment or denial.
• Ensure compliance with federal, state, and company-specific regulations.
• Provide customer support throughout the claim resolution process.
• Assist supervisor/manager with training opportunities for all auto representatives.
• Ensure compliance with state regulations, company policies, and claims handling best practices.
• Maintain accurate and organized claim file documentation.
• Meet or exceed performance metrics such as cycle times, quality audits, and customer satisfaction scores.

Requirements

• Active adjuster license(s) as required by state regulations, or the ability to obtain Texas license within a specified timeframe.
• A minimum of a high school diploma or GED is required.
• A minimum of 5 years of previous experience in claims adjusting is required.
• Knowledge of insurance policies, coverage rules, and claim processes.
• Ability to evaluate damage estimates and repair costs.
• Proficiency in Microsoft Office Suite (especially Excel and Word) and the ability to learn and utilize various computer software programs; familiarity with claims management software (e.g., CCC).
• Strong written documentation and reporting skills to maintain regulatory compliance and accurate recordkeeping.
• Strong attention to detail for accuracy in data entry, document review, and ensuring policy correctness.
• Strong interpersonal, written, and verbal communication skills; ability to show empathy and professionalism when working with all individuals.
• Ability to work independently, prioritize time effectively, and handle multiple claims simultaneously.
• Knowledge of Rules of the Road and traffic laws.

Physical Working Conditions

• Ability to work at a desk using a computer for up to 8 hours a day.
• Ability to lift up to 15 pounds frequently and 50 pounds occasionally.

Benefits

SurSafe offers a comprehensive benefits package.

Schedule

• Monday – Friday
• 8 AM – 5 PM

Work Location: Office – 100%

A comprehensive background check will be conducted.