Adjuster II (Property)

SGI•Winnipeg, MB

6d•Hybrid

About The Position

The Adjuster II (Property) is responsible for adjusting a wide range of complex claims. This role involves collecting, reviewing, investigating, and analyzing claims-related information, and interpreting applicable acts, regulations, and policy coverages to negotiate the settlement of various types of claims. The position also conducts or directs site visits to determine the scope of damage or loss and participates in a standby rotation during busy Claims seasons in assigned areas. The company emphasizes a culture of integrity, innovation, passion, and caring, promoting trust and participation.

Requirements

Two-year diploma from an accredited post-secondary education institution in a relevant field of study, such as Business, or defined equivalency.
Possession of a valid driver’s license, in positions where required.
3 - 5 years’ experience comprised of at least two years property adjusting and one year insurance related experience.
Advanced knowledge of insurance coverages and benefits provided by policy wordings and related legislation applicable to national property claims.
Advanced knowledge of insurance theory and the principles, practices, methods, and techniques related to the adjustment and settlement of claims, and determination of negligence applicable to national property claims.
Advanced level skill in determining values, depreciation, repair, or replacement costs (including the use of estimating systems and imaging appraisals) and/or the amount of compensation payable in claims of liability applicable to national property claims.
Proficient level knowledge of the organization’s customer service initiatives and demonstrated skill in putting the customer at the center of business decisions.
Proficient understanding of residential, agricultural, and commercial building construction.
Proficient level knowledge of agricultural equipment mechanics (harvesting, non-harvesting), operation and use.
Proficient level knowledge of applicable policies for residential, agricultural, and commercial policies for the assigned region.
Proficient level knowledge of applicable policies for agricultural equipment, agricultural implements, irrigation equipment, chemicals, seed, feed, fodder, produce, livestock, poultry, livestock semen and semen tanks, tack equipment, tools, and beekeeping.

Nice To Haves

Experience with hybrid work model after training requirements are met.

Responsibilities

Conducts claims administration and adjusting, including interviewing customers, taking initial reports, collecting loss information, and settling moderately complex and complex claims.
Submits assignments to vendors for repairs and/or inspections.
Conducts or directs site visits to determine the scope of damage or loss, potentially requiring the use of a ladder.
Sets up claim files, determines cause of loss, establishes and adjusts reserves, and completes all necessary claims reporting forms and documents.
Uses extensive software and applications for claims reporting and documentation.
Determines coverage and/or validity of claims through policy wordings and related legislation.
Explains coverages, benefits, breaches of condition, and/or exclusions to customers and their representatives.
Contacts and interviews various personnel, brokers, customers, witnesses, third parties, outside adjusters, contractors, repair firms, police and fire departments, legal representatives, medical professionals, and other external persons.
Obtains statements under oath, proofs of loss, medical reports, non-waiver agreements, final releases, salvage releases, and other settlement-related documents.
Creates and adjusts estimates using estimating software, altering third-party vendor estimates if needed, and applying applicable coverages.
Responds to questions and correspondence regarding claim file status and disposition.
Determines actual cash value and/or replacement cost of customers’ articles.
Maintains claims records and files in accordance with departmental, divisional, and/or corporate procedures and standards.
Refers suspicious, contentious, or large-dollar claims to the proper authority.
Assesses degree of negligence and/or extent of quantum in claims of liability or bodily injury.
Determines possibility of subrogation and takes appropriate action.
Negotiates settlements with customers and/or representatives.
Provides approval, prepares claim files for legal action, further investigation, review, and/or denial.
Reconciles invoices against estimates of damage or loss and processes accounts and expenses for payment.
Represents the corporation in Small Claims Court and/or other judicial, legal, institutional, or regulatory groups or bodies.
Attends to road assignments and adjusts claims arising at a distance from headquarters (where required).
Hires, oversees, ensures quality of work, and evaluates the performance of vendors and contractors.
Participates in the review and development of new products, procedures, and programs.
Evaluates, obtains insureds approval, and processes requests for payments from vendors.
Engages appropriate expertise to assess risk and coverage application as per company guidelines.
Maintains ongoing customer contact during the claim process.
Identifies salvage opportunities, determines value, and may coordinate sale back to customer or arrange pickup by third party.
Maintains relationships and communication with broker partners and vendors.
Explores and presents new information from industry sources, implementing new ideas to streamline and improve internal processes.
Delivers an easy, convenient, seamless experience for customers.
Identifies opportunities to improve the claims experience for customers and seeks solutions.
Supports a culture of leadership and accountability.
Displays leadership by committing to continuous learning and development of self and supports others.
Demonstrates application of the Health, Safety and Emergency Management Policy.
Applies knowledge to support transformation and strategic initiatives, participating and advocating change with a growth mindset.