Property Claims Adjuster II

EMC Insurance Companies

1d•Remote

About The Position

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. This position is eligible to work from home anywhere in the United States; ideal candidate will reside in the Western region.

Requirements

Bachelor’s degree or equivalent relevant experience
Three years of property claims adjusting experience or related experience
Strong knowledge of the theory and practice of the claim function
Strong knowledge of commercial property insurance contracts and procedural laws
Ability to obtain all applicable state licenses
Strong knowledge of computers and claims systems
Strong written and verbal communication skills
Excellent customer service skills
Solid investigative and problem-solving abilities
Strong organizational abilities and empathetic interpersonal skills
Ability to maintain confidentiality
Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving

Nice To Haves

Relevant insurance designations preferred

Responsibilities

Investigates and evaluates medium-sized and moderately complex commercial property and reinsured cyber claims, reviewing claim notices, policies, contracts, statutes, lawsuits, and reports to confirm coverage, deductibles, and payees.
Conducts field inspections as needed and coordinates internal and external experts (e.g., engineers, contractors, remediation vendors) to manage mitigation, temporary restoration, business continuity, evidence preservation, and cause-and-origin analysis.
Initiates timely contact with insureds, claimants, and other parties to explain the claims process and meet legal notice requirements.
Obtains statements from insureds, claimants, witnesses, and other relevant parties and secures all required claim forms and documentation.
Reviews estimates, invoices, receipts, and financial records (profit and loss statements, tax forms, payroll, forecasts) to assess property damage and business income loss.
Documents claim activity, summaries, and reserve analyses in the claim system and establishes timely, accurate reserves in accordance with company methodology.
Escalates claims exceeding authority to the Claims Supervisor for review or reassignment.
Resolves issues related to coverage, causation, valuation, and repair methodology and communicates claim status with insureds, claimants, agents, and attorneys.
Prepares and reviews repair estimates using research and estimating software, addressing discrepancies as identified.
Negotiates and settles claims within assigned authority and recommends settlements to management when outside authority.
Drafts and issues reservation of rights and denial letters with approval and prepares settlement documents, statements of loss, proof of loss, and timely payments in compliance with requirements.
Identifies and pursues recovery opportunities, including subrogation and legally compliant evidence preservation.
Identifies potential fraud and refers claims to the Special Investigations Unit (SIU) when appropriate.
Supports mediations, appraisals, arbitrations, and litigation preparation as needed.
Submits referrals to Estimatics, SIU, Bond, Subrogation, Legal, Underwriting, and Risk Improvement as appropriate.
Prepares risk reports and participates in coverage, account, and inspection reviews with Underwriting and Risk Improvement.
Audits estimates prepared by independent adjusters and contractors to ensure accuracy and cost-effective repairs.
Handles referred claims from other departments, supports team members, participates in claims roundtables, and contributes to projects as needed.

Benefits

More than 105 years of financial strength and stability
Named a five-star insurance carrier by Insurance Business America
Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America
Multiple locations recognized as Top Workplaces based solely on team member feedback
Corporate culture that engages and empowers team members to achieve their best
Outstanding benefits with life, medical, dental, vision and prescription drug coverage
Competitive paid time off plan and a full day of volunteer time off annually
Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
Professional development and growth opportunities, including tuition reimbursement
Wellness initiatives to improve team member well-being and reduce health insurance costs
Flexibility to dress for your day and opportunities for alternative work arrangements