Claims Property Adjuster

null, Automobile Club Of Missouri • Creve Coeur, MO

9d

About The Position

This position supports the Property Claims operation by handling low- to moderate-complexity claims reported on Homeowner policies written by the Interinsurance Exchange. The role involves interpreting First Notice of Loss information, investigating losses, evaluating coverage, resolving claims, and negotiating settlements. The adjuster uses discretion and independent judgment to comply with state and federal laws and applies company guidelines for technical claims handling and customer service. The position requires communicating with members, insureds, claimants, vendors, witnesses, and internal and external departments, and may include participation in legal proceedings.

Requirements

• Bachelor’s degree or equivalent combination of education and experience.
• 1–3 years of prior claims handling experience required.
• Working knowledge of claims administration best practices and procedures.
• Working knowledge of Microsoft Office, general computer software, and claims software.
• Moderate organization and planning skills.
• Moderate oral and written communication skills.
• Moderate interpersonal skills.
• Valid driver’s license, acceptable Department of Motor Vehicles record, and minimum liability insurance issued by a state are required.
• An insurance or claims adjuster license may be required for claims administration in specific states.

Nice To Haves

• 4–6 years of property claims handling experience preferred.
• General knowledge of fault assessment, negligence, and subrogation principles desired.

Responsibilities

• Conduct phone investigations to determine coverage and damages.
• Obtain statements from insureds, vendors, and witnesses.
• Maintain appropriate activities and service levels.
• Explain policy coverages, benefits, and the claims process verbally and/or in writing in compliance with regulatory and statutory requirements.
• Recognize and appropriately address common coverage issues.
• Evaluate and assess first-party claims, make decisions, and negotiate settlements within settlement authority across multiple markets.
• Assess personal property, property damage, and loss of use, and use claims technology and tools.
• Coordinate with internal and external departments as required.
• Attend and participate in legal proceedings when needed.
• Respond promptly to insureds’ needs and problems.
• Handle claims in compliance with applicable regulatory and statutory requirements and company guidelines.

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.

What This Job Offers

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