Claims Complex Property Adjuster

AAA • Lincoln, RI

6d

About The Position

This position supports the Property Claims operation by handling high-complexity claims reported on Homeowner policies written by the Interinsurance Exchange, in compliance with regulatory and statutory requirements. The role interprets First Notice of Loss information, investigates losses, evaluates coverage and damages, develops negotiation strategies, and resolves claims. It uses discretion and independent judgment to ensure compliance with state and federal laws and applies technical and customer-service best practices in accordance with company guidelines.

The adjuster communicates with members, insureds, claimants, witnesses, vendors, internal and external departments, and legal counsel. The role may include attending legal proceedings, directing counsel on litigated files, providing sworn expert testimony, mentoring and coaching less experienced personnel, and preparing formal reports on high-profile claims for senior management. Occasional travel to off-site business meetings or conferences is required.

Requirements

• Bachelor’s degree or equivalent combination of education and experience.
• 7–9 years of property claims administration experience (required).
• Working knowledge of claims administration best practices and procedures.
• Advanced knowledge of insurance, coverage investigation, scope and damage assessment, negligence, and subrogation principles.
• Advanced knowledge of Microsoft Office, general computer software, and claims software.
• Comprehensive understanding of building and vehicle repair procedures and third-party liability issues.
• Advanced leadership skills among peers.
• Advanced organization, planning, and recognition skills.
• Advanced oral and written communication skills.
• Advanced interpersonal skills.
• Valid driver’s license, acceptable Department of Motor Vehicles record, and minimum liability insurance issued by the state.
• An insurance or claims adjuster license may be required for claims administration in specific states.

Nice To Haves

• 7–9 years of prior claims handling experience (preferred).
• Chartered Property Casualty Underwriter designation from the Insurance Institute of America (preferred).
• Associate in Claims designation from the Insurance Institute of America (preferred).

Responsibilities

• Identify and obtain statements from insureds, claimants, and witnesses.
• Conduct phone investigations to determine coverage and damages and distinguish allegations from facts.
• Determine policy obligations by assessing liability and damage components of losses.
• Maintain appropriate claim activities and service levels.
• Communicate and coordinate with members, insureds, claimants, vendors, and internal and external departments.
• Explain policy coverages, benefits, and the claims process verbally or in writing in compliance with regulatory and statutory requirements.
• Recognize and appropriately address complex coverage and subrogation issues.
• Evaluate, assess, and negotiate within settlement authority to resolve first-party claims in multiple markets.
• Assess personal property, property damage, coverage, loss of use, arbitration responses, damage evaluations, and claims technology and tools.
• Objectively identify and address issues that may be questioned in an audit.
• Mentor and assist in training less experienced personnel and provide coaching on claim files.
• Attend and participate in legal proceedings as needed.
• Direct and interact with in-house and outside counsel on litigated files.
• Provide sworn expert testimony in courtroom or deposition settings.
• Prepare comprehensive formal reports on high-profile claims for senior management.
• Respond promptly to customer needs and problems.

Benefits

• Health coverage for medical, dental, and vision.
• 401(k) savings plan with company match.
• Pension.
• Tuition assistance.
• Floating holidays.
• PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts on membership, insurance, travel, entertainment, services, and more.
• Eligibility to participate in an incentive program based on organization, team, and personal performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior