Sr. Claims Representative, Property

Exempt, $95,000 - $105,000 per year

Remote-first work environment with occasional travel and in-office meetings. Candidate must live in California, Oregon, Washington, or Nevada.

About the role

The Senior Claims Representative, Property will manage, coordinate, and appropriately direct the handling of complex dental commercial property and general liability claims with minimal supervision, in accordance with established state-mandated claims handling practices.

Universal Competencies

• Collaboration: Proactively engages with an iterative mindset to enhance ideas and achieve organizational results; cultivates relationships, builds partnerships, shares and learns without boundaries.
• Service: Focuses on meeting needs and exceeding expectations for those served inside and outside the organization.
• Respect: Embraces others for their true authentic self; nurtures and promotes an environment that values diversity of thought, input, experience, and expertise.

Essential Competencies

• Problem Solving: Applies analysis, creativity, resilience, and logic to reach optimal outcomes; develops and implements solutions.
• Influence: Inspires action to achieve organizational goals and desired outcomes; demonstrates expertise and earns respect; socializes ideas and brings others along.
• Decision Making: Decides with intention, reflection, and reason while maintaining a big-picture mindset; clarifies purpose, evaluates alternatives, and analyzes risks.

Responsibilities

• Evaluating and making determinations on issues related to coverage.
• Arranging for retention and review by coverage counsel on coverage-related issues.
• Investigating and making determinations related to cause and origin of loss.
• Gathering key evidence, witness statements, and early retention of legal counsel to optimize successful subrogation.
• Retaining and supervising outside adjusters, legal counsel, and other vendors to ensure efficient and timely adjustment of claims.
• Managing and overseeing related losses and policyholders arising from a single event with varying complexities, damages, and exposures.
• Evaluating and establishing appropriate case reserves.
• Attending, directing, and coordinating meetings with policyholders, vendors, involved parties, and consultants.
• Attending trials, mediations, and settlement conferences.
• Negotiating claims resolutions with policyholders and involved parties.
• Identifying, managing, negotiating, and resolving all issues related to subrogation of claims.
• Developing and documenting strategic plans and case evaluations.
• Reviewing vendor bills to ensure they meet the strategic plans and budgets developed by the file handler and authorizing payment.
• Identifying and evaluating possible responsibilities of third parties for subrogation recovery and managing all subrogation activity through trial.
• Determining salvage value of damaged property contents and arranging for storage, sale, or appropriate disposal.

Non-Essential Functions

• Completing special projects as assigned.
• Performing other duties as assigned.

Requirements

• High school diploma or GED required.
• At least 10 years of property and general liability claims experience; or equivalent combination of education and experience.
• Advanced knowledge of property and general liability coverage.
• Knowledge of subrogation and salvage principles and the ability to review, interpret, and apply insurance contracts, commercial leases, and make coverage decisions.
• Experience in identifying and reporting fraud and knowledge of state-specific SIU requirements.
• Ability to assemble, coordinate, and manage a CAT team in the event of a disaster.
• Demonstrated record of successful negotiation and resolution of issues with policyholders, legal counsel, claimants, and third parties.
• Excellent interpersonal, verbal, and written communication skills.
• Experience supervising outside adjusters, attorneys, and contractors.
• Demonstrated diplomacy and tact while interacting with all levels within and outside of the organization.
• Demonstrated ability to perform job duties independently, exercise good judgment and professionalism, and maintain confidentiality.
• Strong computer skills, including the ability to operate Windows/Microsoft Office and a general claims system.

Preferred Qualifications

• Associate’s or Bachelor’s degree with courses in insurance.
• Commercial property insurance and in-person negotiation experience.
• Experience with claims management and estimating software programs.

Working Conditions

• Constantly (67-100%): Reviewing and analyzing data on a computer screen.
• Frequently (34-66%): Maintaining a stationary position.
• Occasionally (1-33%): Auto/air travel required.
• Occasionally (1-33%): Overnight travel as needed.