Field Claims Specialist II, Property Contents (Des Moines, IA - WFH)

Nationwide•Iowa City, IA

6d•$62,500 - $93,500•Remote

About The Position

Nationwide is seeking a Property Contents Field Claims Specialist to investigate and evaluate moderate to severe property losses, focusing on the contents portion of claims. The specialist meets with customers or their representatives to inventory damaged contents, researches pricing, and works with vendors to clean, restore, or replace damaged items. The role handles assigned claims with little to no direction, makes decisions within delegated authority, and provides customers with an attentive and supportive claims experience. This is a work-from-home position with travel to policy locations, averaging three to four days per week, using a company vehicle. Travel covers Iowa and surrounding states, and inspections may be onsite or virtual. The role may also require overnight travel, irregular or extended hours, and travel to catastrophe sites for extended periods.

Requirements

One to three years of insurance field/property claims handling or adjusting experience is listed in the candidate qualifications; the role description also lists three to five years of related property claims experience.
Solid experience with Xactimate.
Experience with content inventory, pricing, and repair or mitigation.
Construction experience or background, such as residential, remodeling, or water mitigation.
Strong customer service competency.
Strong written and verbal communication skills.
Undergraduate degree or equivalent experience.
State licensing where required and successful completion of required or applicable claims certification training/classes.
General knowledge of insurance theory, practices, contracts, and their application.
Knowledge of property estimating and automated claims systems, and of investigation, discussion, and settlement activities for extensive property damage claims.
Ability to guide customers through the claims process and provide a positive customer experience.
Analytical and problem-solving skills to make decisions and resolve coverage issues, including applying jurisdictional laws and policy exclusions and exceptions.
Ability to establish repair requirements and cost estimates and to evaluate and resolve property claims.
Organizational skills to prioritize work.
Ability to communicate effectively with policyholders, claimants, repairpersons, attorneys, agents, and the general public.
Ability to operate a personal computer and related claims and business software.
Valid driver's license and satisfactory driving record in accordance with Nationwide standards.
Willingness to work irregular hours, travel with possible overnight requirements, and travel to catastrophe sites for extended periods.
Ability to sit and operate a phone and personal computer for extended periods.

Nice To Haves

Experience in a customer service environment, including flexible work schedules and extended work hours.

Responsibilities

Handle assigned claims promptly and effectively, making decisions within delegated authority and company policies.
Investigate and evaluate moderate to severe property losses, focusing on damaged contents.
Meet with customers or their representatives to complete inventories of damaged contents and research appropriate pricing.
Work with vendors to clean, restore, and replace damaged contents.
Determine policy coverages and apply claims practices consistent with company guidelines.
Open, close, and adjust reserves according to company practices; follow file-conferencing notification and authority procedures.
Maintain current knowledge of insurance products, claims guidelines, policy changes, relevant court decisions, local repair procedures, and market pricing.
Submit severe incident reports, reinsurance reports, and other information to claims management as needed.
Partner with the Special Investigation Unit and Subrogation to identify fraud and subrogation opportunities; assist with or prepare files for lawsuits, trials, or subrogation.
Deliver strong service to internal and external customers while maintaining professional conduct.
Mentor less experienced claims associates and assist with training or presentations as assigned.
Perform other responsibilities as assigned.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Short- and long-term disability coverage
Paid time off, with newly hired associates receiving a minimum of 18 days per full calendar year, prorated quarterly based on hire date
Nine paid holidays
Eight hours of Lifetime paid time off
Eight hours of Unity Day paid time off
401(k) with company match
Company-paid pension plan
Business casual attire