PROPERTY CLAIMS ADJUSTER - INSPECTOR

Grinnell Mutual Reinsurance • Madison, WI

1d • $50,998 - $88,396 • Remote

About The Position

The Property Claims Adjuster-Inspector adjusts property claims as part of Reinsurance Adjuster Program for assigned mutuals. Determines coverage by consulting policy in force and endorsements, evaluates loss by completing on-site investigations, and settles claims according to Grinnell Mutual Claims procedures. This position is based out of your home with a company-provided vehicle for travel to the claim sites. The Reinsurance Adjusting Program provides in-depth training to all new employees. Training programs are tailored to the individual’s experience level and needs so whether you are just starting out in your claims career or are an experienced adjuster you will be prepared to go out into the field and adjust claims.

Requirements

• Bachelor's degree (B.A.) from a four-year accredited college or university and a minimum of two years property (home and farm owners) adjusting experience; or equivalent combination of education and experience.
• Possesses excellent interpersonal, active listening, and customer service skills to efficiently resolve claims. This includes being knowledgeable, patient, resilient under pressure, persistent, empathetic, and decisive.
• Ability to professionally communicate claim information and respond to inquiries in both one-on-one and group settings, whether over the phone, in person, or through written correspondence.
• Demonstrates strong written communication skills, using proper grammar and professionalism in business correspondence and reports directed to the file or the mutual.
• Skilled in applying logical thinking and sound judgement, drawing on experience and factual information to make informed decsisions on claims. Follows established procedures to assess coverage, determine negligence, and evaluate damages
• Ability to organize work, determine priorities, and meet deadlines while incurring frequent interruptions.
• Demonstrates the ability to collaborate effectively with colleagues and supervisors, while interacting with customers and the general public in a tactful and courteous manner.
• Ability to maintain a valid driver’s license and travel from the office located in the employee’s home to Grinnell Mutual customer offices or claim sites. Daytime travel approximately 60 to 80% of the time. Occasional overnight travel is required approximately 10% of time depending on region size and/or number of claims incurred in concentrated area.
• Regular and predictable attendance is required to effectively meet the customers needs.
• Must be able to maintain confidentiality of sensitive or proprietary information.
• Demonstrated ability to adhere to all Grinnell Mutual policies.
• Demonstrated ability to incorporate Grinnell Mutual core values in all areas work.

Nice To Haves

• AIC or CPCU designations preferred.
• Prefer experience with Xactimate or similar computer based adjusting tool.

Responsibilities

• Investigates property claims for both farm and home owners through on-site investigation and interviews with claimant, insured, and witnesses to determine the extent of damage.
• Determines proper policy coverages, and where necessary, investigates, evaluates, negotiates and equitably settles all assigned claims cases in accordance with company policies and procedures at values commensurate with damages sustained. Sets reserves based on estimated loss for claim.
• Organizes and manages time effectively to ensure the prompt and successful resolution of all assigned cases, maintaining high standards of professionalism to deliver exceptional service.
• Prepares and submits initial and follow-up reports of findings and action taken on each assigned claim in conformity with established procedures. Documents file with activity, contacts, offers, and demands related to claim. May be asked to assist or prepare file for subrogation, suit, or trial.
• Works with law enforcement to verify items stolen and confirm payment/ownership if recovery is made following claim payment, file written request for restitution in all arrests including vandalism claims.
• Cultivates and maintains strong relationship with Agents and Mutual Managers, serving as a liaison between the customer and Grinnell Mutual.Supports the evaluation of mutuals for future business oppurtunities and conveys feedback from the Mutual to the supervisor.
• Conducts on-site field inspections determining building values, making recommendations of risk acceptability, identifying hazards, and recommending appropriate corresponding corrective action.
• Recommends proper building insurance to value based on inspection. Works with underwriting to determine insurability and providing documentation on the condition of the property through photographs and diagrams.
• Authorizes and/or approves all claims payments within the delegated authority or within the maximum limits as outlined in company policies and procedures. Setting and maintaining reserves through resolution of the claim.
• Accountable for managing the settlement process of all assigned files from start to close.
• Performs other duties as assigned.

Benefits

• Comprehensive health benefits package that reduces premiums for commitment to a healthy lifestyle
• Full suite of disability and life insurance
• 401(k) program with a company match
• One-time home office reimbursement up to $1,000 to set up their remote home office
• Monthly internet expenses paid by the company
• Flexible work environment
• Paid holidays where the office is closed

What This Job Offers

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