Property Claims Adjuster (Inside)

Encova Insurance • Ohio, home-based, OH

2d • $55,132 - $88,210 • Remote

About The Position

Encova Insurance is hiring a Property Claims Adjuster (business title: Property Specialist II, Inside). The role may be fully remote, but the associate must reside and work in a state where Encova is approved for payroll. The position reports to a Manager, Property Claims and investigates, evaluates, estimates, and processes property claims primarily by phone or other internal communication channels. Commercial lines insurance experience is preferred.

The adjuster handles personal and commercial losses, including structure, contents, additional living expenses (ALE), scheduled property, and business income, as well as contents claims and coverage questions. The role provides customized service to insureds, coordinates preferred contractors and independent adjusters for field work, reviews their work for quality and timeliness, and assists resolution specialists with assigned tasks. The position must meet a minimum average of 70 claims elements per month (85 for primarily contents work), and may support catastrophe claims throughout the company’s operating territory, including overnight travel or extended stays upon request.

The role requires applicable adjuster licensing, including passing applicable state claims adjuster license exams within six months of hire. The associate also maintains communication with agents and internal business partners and may serve on claims or other integrated company teams. A college degree or equivalent in insurance or business is required. The employer describes a comprehensive benefits package, including insurance coverage, income protection plans, an incentive bonus program, a 401(k) plan with company match, paid time off and holidays, and flexible work arrangements depending on the role.

Requirements

• Experience as an Encova Insurance inside property specialist or equivalent industry experience.
• For internal candidates, an overall performance rating of at least “Meets Expectations” in the last two annual performance reviews.
• Demonstrated skills and abilities listed in the resolution specialist job description.
• Good judgment and communication skills, excellent people skills, positive professional working relationships, good negotiation skills, and satisfactory claims setup and monitoring.
• Thorough knowledge of claims settlement techniques, Encova personal and commercial policy products, current legal decisions affecting claims handling, and company procedures, policies, and practices.
• A college degree or equivalent in insurance or business.
• Pass applicable state claims adjuster license exams within six months of hire and maintain applicable adjuster licenses.

Nice To Haves

• Experience in commercial lines insurance.
• Continuing insurance education, which may be obtained through IIA, CPCU, or another accredited insurance education provider.

Responsibilities

• Investigate, evaluate, estimate, and process property claims primarily by phone or other internal communication channels.
• Handle personal and commercial losses involving structure, contents, ALE, scheduled property, and business income, as well as contents claims and coverage questions.
• Provide customized claims service by assigning preferred contractors and/or independent adjusters to assist with field work.
• Review assigned independent adjuster and preferred contractor work for quality and timely service.
• Assist resolution specialists with assigned tasks, including contents valuation and depreciation holdback.
• Follow claims organization policies and procedures for communication, coverage verification, liability determination, loss investigation, claim valuation, forms and reports, negotiation, and settlement.
• Investigate and close a minimum average of 70 elements per month, or 85 for primarily contents work.
• Assist with catastrophe claims throughout the company operating territory, including overnight travel or extended stays when requested.
• Serve on claims and other company integrated teams as assigned.
• Obtain and maintain applicable adjuster licenses and pass applicable state adjuster license exams within six months of hire.
• Maintain communication with agents, sales representatives, marketing, and underwriting associates.
• Perform other duties as assigned.

Benefits

• Health insurance
• Dental insurance
• Vision insurance
• Company-provided life and income protection plans
• Eligibility to participate in a company incentive bonus program
• 401(k) retirement plan with 100% company match up to 7% of annual salary
• Paid time off
• Paid holidays and floating holidays
• Flexible work arrangements, including hybrid and remote options depending on the role

What This Job Offers

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