Desk Property Adjuster

Concord General Mutual Insurance Company•Bedford, NH

About The Position

The Desk Property Adjuster handles first-party personal property and commercial property claims throughout the claim life cycle, including investigation, evaluation, and resolution. The role provides service to agents, insureds, and others to ensure claims are resolved accurately. The adjuster investigates and handles claims primarily by phone and mail, with occasional on-site investigations, and works on increasingly complex claims as assigned. The role also involves learning company insurance products and claim procedures, developing negotiation and settlement skills, maintaining required adjuster licenses and continuing education, and using technology and computer-based programs to support claim handling.

Requirements

Bachelor’s degree, several years of experience or training that the company considers sufficiently related, or an equivalent combination of education and related experience.
A minimum of one year of insurance claims experience.
Ability to read, interpret, and react to insurance policies, procedure manuals, and legal documents.
Ability to assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment.
Ability to write reports and compose correspondence.
Ability to communicate politely, clearly, concisely, and accurately in both oral and written formats.
Good problem-solving and interpersonal skills.
Ability to accurately handle mathematical problems, including geometry and financial calculations and documents.
Ability to effectively work with a diverse group of individuals and manage varied factual circumstances.
Ability to organize assigned work.
Ability to maintain confidentiality and data security.
Ability to maintain a professional image.
Basic knowledge of insurance policy review and sound organization of investigation materials and work to meet company customer service standards.
Ability to perform job functions independently.

Nice To Haves

Experience writing estimates with Xactimate and XactContents.

Responsibilities

Assemble facts, determine coverage, evaluate the amount of loss, and analyze legal liability.
Make payments in accordance with coverage, damage, and liability determinations, and perform other functions needed to adjust the loss properly.
Study insurance policies, endorsements, and forms to develop foundational knowledge of company insurance products.
Learn and comply with claim-handling procedures.
Develop skills in claim negotiations and settlements.
Effectively service the needs of agents, insureds, and others.
Meet with people involved with claims, sometimes outside the office environment.
Obtain and maintain appropriate adjuster licenses as required.
Complete relevant continuing education programs as required.
Maintain punctual attendance according to an assigned work schedule at a company-approved work location.
Handle claim activities and investigations by phone and mail, and conduct occasional on-site investigations.
Use technology-based information for reference, enter information into computer systems, and develop specialized skills such as property estimating, auto estimating, and use of computer-based programs.
Work on increasingly complex claims as assigned.