Senior Property Large Loss Specialist

About the role

The Senior Property Large Loss Specialist role is home-based and offers flexibility. The position involves managing complex, high-exposure property claims, particularly those exceeding $250,000. The role also includes mentoring entry-level large loss specialists.

Responsibilities

• Independently investigate, evaluate, estimate, and process complex property claims, including structure, contents, ALE, scheduled property, and business income losses.
• Write large property estimates, including total losses, on both residential and commercial structures using estimating guides and software.
• Assist in risk evaluation on homeowners and commercial businesses, verifying insurance to value, coinsurance penalties, and documenting any change or increased hazard to the risk.
• Comply with Encova’s claims organization policies and procedures for contact and communication, verification of coverages, determination of liability, investigation of losses, determination of claims values, completion of forms and reports, and negotiation and settlement of claims.
• Participate in catastrophe claims handling throughout the entire footprint, requiring overnight travel or extended stays upon request.
• Mentor, develop, and provide guidance to entry-level large loss specialists.

Requirements

• Bachelor’s degree or equivalent experience in insurance, construction, risk management, or related field is strongly preferred.
• 7 years of property claims handling experience, including large and/or complex claims.
• Demonstrated excellent claims negotiation, communication, and investigation skills.
• Excellent time management and organizational skills.
• Proven understanding of complex policy language and ability to apply investigative techniques.
• Must meet established guidelines for quality and productivity.
• Ability to work independently, recognize and resolve problems, and make decisions.
• Continuing education is strongly preferred and may be obtained through industry seminars or workshops, Vale National Estimating Academy, IIA - Associate in Claim designation, and/or CPCU.
• Must either be licensed or willing and able to obtain license in all operating states.
• Extensive knowledge of all personal and commercial lines policies and coverages written by Encova.
• Expert knowledge of building reconstruction.
• Ability to efficiently and accurately write large and complicated building repair estimates and accurately complete a replacement cost valuation on total losses.
• Extensive knowledge and proven skill with using all property estimating software used by Encova.
• Regular travel to loss locations, often with little notice, is required for this position.

Qualifications

• Must reside in Ohio to support required travel needs and stay closely connected to the regions we serve.
• Must be able to meet established guidelines for quality and productivity.
• Must have the ability to work independently, recognize and resolve problems, and make decisions.
• Must have the ability to travel as needed.

Skills

• Excellent claims negotiation, communication, and investigation skills.
• Time management and organizational skills.
• Understanding of complex policy language and investigative techniques.
• Knowledge of all personal and commercial lines policies and coverages written by Encova.
• Building reconstruction expertise.
• Ability to write large and complicated building repair estimates and complete replacement cost valuations.
• Proficiency with property estimating software.

Benefits

Encova Insurance offers a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits include:

• Health, Dental & Vision Insurance
• Company-provided life and income protection plans
• Eligibility to participate in a company incentive bonus program
• 401(k) Retirement Plan - 100% company match up to 7% on annual salary
• Paid Time Off, Paid Holidays, and Floating Holidays
• Flexible Work Arrangements - Hybrid and remote depending on the role

Pay

The salary range for this job posting is $86,744.00 - $138,790.00 annually + bonus + benefits. Pay Type: Salary

Schedule

This is a home-based role offering flexibility, with the opportunity to make a meaningful impact by managing complex, high-exposure property claims. Regular travel to loss locations, often with little notice, is required for this position.