Property And Casualty Claims Adjuster

City of Aurora•Aurora, CO

1d•Onsite

About The Position

Handle and administer complex general liability, automobile liability, and commercial property claims, including all aspects of claims investigation, adjustment, and subrogation functions for the Risk Management Division of the Finance Department.

Requirements

Bachelor's Degree in Business Administration or a related field
At least five (5) years’ experience in property/casualty/auto claims handling
Principles and practices of property, automobile liability, and general liability claims investigation and adjustment
Insurance coverage interpretation, liability determination, and negligence standards
Applicable State of Colorado Governmental Immunity Act and other related statutes
Claims reserving methodologies and loss valuation practices
Subrogation and restitution recovery processes
Litigation procedures and claims handling practices involving legal counsel
Commercial property damage assessment and documentation requirements
Risk management principles and loss prevention strategies
Applicable federal, state, and local laws governing claims administration and tort liability
Claims management systems and Risk Management Information Systems (RMIS)
Investigation techniques, including evidence collection, documentation review, and site inspection practices
Settlement negotiation practices and dispute resolution methods
Conducting thorough investigations and analyzing complex factual situations
Evaluating liability exposure and estimating damages accurately
Negotiating settlements while protecting organizational financial interests
Managing multiple claims simultaneously while meeting deadlines
Preparing clear, concise investigative reports and settlement documentation
Interpreting technical reports, repair estimates, police reports, and legal documents
Utilizing RMIS databases and related software systems to track and manage claims
Communicating effectively with claimants, attorneys, insurance carriers, and internal stakeholders
Exercising sound financial judgment when establishing and adjusting claim reserves
Identifying loss trends and contributing to organizational risk mitigation efforts
Interviewing to gather essential information for a claim from individuals, claimants, and witnesses
Exercise independent judgment in determining liability and settlement authority
Analyze complex claims involving competing accounts of events or incomplete information
Maintain professionalism and composure during difficult or adversarial interactions
Explain technical claims decisions to non-technical audiences
Establish and maintain effective working relationships with claimants, employees, citizens, attorneys, and third- party administrators
Maintain confidentiality of sensitive legal and financial information
Prioritize workload and manage competing deadlines in a fast-paced environment
Collaborate effectively with legal, safety, and operational departments
Recognize patterns in claims activity and recommend preventive measures
Prepare and present training materials related to risk awareness and claims processes
De-escalate and handle sensitive/emotional situations with tact and diplomacy
Must possess a valid Colorado driver’s license and be able to operate a city vehicle, or otherwise demonstrate the ability to meet the transportation requirements of the position

Nice To Haves

Associate in Claims (AIC), Associate in Risk Management (ARM), or Chartered Property Casualty Underwriter (CPCU) preferred but not required.

Responsibilities

Adjusts property, general, and auto liability, and auto physical damage claims
Performs investigations of claims, including site visits, to determine liability and assess damages
Directs staff in the proper set-up of new claims in the Risk Management Information System (RMIS), and obtains police reports and vehicle information in the appropriate databases
Establishes claim reserves and monitors litigated cases to determine if reserves require adjustment
Notifies excess liability insurance carriers of claims or lawsuits filed that are potentially volatile and provide significant financial risk.
Notifies property insurance carriers of property damage that could exceed the City’s deductible
Prepares proof of loss statements on large commercial property claims for insurance carriers
Communicates with claimants, citizens, supervisors, and managers, as well as other employees and city attorneys
Collaborates with the Sr. Risk Manager and legal regarding legal liability and settlement authority
Conducts settlement negotiations; administers and prepares settlement documents
Prepares and submits subrogation demand packages or restitution requests for damages; coordinates with outside counsel on difficult collections and works with third party auto recovery firm to obtain loss of use/diminution of value damages
Coordinates with the safety work unit regarding hazardous practices and/or equipment, as well as trending losses, to assist them with mitigation of future incidents and prevent future accidents/injuries
Assists in the preparation of training sessions and materials
Performs other duties as assigned

Benefits

Make a difference in the lives of real people every day
Diverse community
Competitive total compensation package
Well-Funded General Employees Retirement Plan
Light rail station minutes away
On-site fitness center and overall employee well-being programs
Internal educational programs to assist with career advancement
Access to innovation workspaces
Rewarding public sector work impacting a large and diverse community
Growing city and employee population
Competitive total compensation package
Rich benefits package with low employee costs
Generous paid leave program
100% funded Employee and Family Care Leave Program
Retirement pension plan and 457b plans available
Subsidized recreation center pass, on-site fitness centers and wellness programs
Continued education and career advancement opportunities