Senior Claims Examiner I

Berkshire Hathaway Homestate Companies•Omaha, NE

12d•$85,000 - $95,000

About The Position

The Senior Claims Examiner I investigates, evaluates, provides a defense when appropriate, negotiates, and resolves assigned property damage and bodily injury claims reported under affiliated companies’ insurance contracts. The work is performed in accordance with the applicable contracts and law, within documented authority. The position is based in the Claim Department in Omaha, Nebraska, or may be eligible for remote work. The position is not eligible for employer visa sponsorship. The examiner investigates claims, analyzes coverage and loss exposure, establishes and reviews reserves, negotiates settlements, and maintains claim records. The role also involves communicating with insureds, claimants, independent adjusters, counsel, and others; coordinating with management and the Legal Department; and obtaining and maintaining required licenses and certifications. The stated annual salary range is $85,000–$95,000, based on the primary posting location of Omaha, Nebraska. Final compensation depends on qualifications, geographic location, and other considerations permitted by law.

Requirements

Bachelor’s degree in a related field or equivalent work experience.
Three or more years of related work experience.
Skills in investigation, evaluation and analysis, negotiation, case management, and time management and prioritization.
Excellent oral and written communication, especially with people outside the company.
Ability to organize time and resources and handle multiple high-priority matters.
Ability to research and evaluate alternatives, reach decisions, and make recommendations.
Ability to maintain strict confidentiality, meet deadlines, work accurately with detail, and work well with others.

Nice To Haves

Knowledge of insurance contract interpretation and application.
Knowledge of insurance claim procedures, loss evaluation methods, and claim resolution alternatives.
Insurance-related courses or credentials such as AIC or CPCU.

Responsibilities

Investigate assigned claims under affiliated companies’ insurance contracts, identify information and documents needed to evaluate claims, and assign and direct independent adjusters.
Contact insureds, claimants, and others by telephone and correspondence about claim information, documentation, processes, and resolution alternatives.
Comply with claims-handling laws and regulations.
At higher levels, engage defense counsel as directed and monitor the defense of insureds in consultation with management, or work directly with internal legal counsel.
Identify and evaluate coverage issues and, as necessary, consult management to determine the rights and obligations of the company, insureds, claimants, and others under applicable insurance contracts.
Coordinate with the Legal Department on coverage, claims-handling compliance, and other legal issues.
Analyze and estimate insureds’ liability and claimants’ or insureds’ losses, and identify potential losses covered by the insurance contracts.
Identify and report potential fraud to the Special Investigation Unit.
Use decision theory principles to evaluate claim settlement scenarios.
Establish and timely modify case reserves based on available claim information.
Review and approve or disapprove invoices from independent adjusters and others for allocated loss adjustment expenses.
Maintain and timely review a diary of assigned claims.
Negotiate and resolve claims within established authority, or submit an authority request and recommend a resolution to a manager.
Prepare and maintain accurate, timely records of communications with insureds, claimants, and other third parties.
Review, establish, and modify appropriate units reflecting potential loss exposures; maintain claim files and required electronic and other records; and provide claim information to managers and others as required.
Obtain and maintain required licenses and certifications.
Maintain current knowledge of insurance and claim management principles and practices through professional literature, published opinions, trade periodicals, and conferences.

Benefits

Up to 11 days of vacation time.
65 days of sick pay, with an 85-day maximum in a two-year period.
Up to 20 days of paid parental time.
Seven paid holidays and two floating holidays.
Retirement and savings plan with immediate enrollment and a 100% employer match up to 5%.
Medical, dental, and vision coverage for regular full-time employees and eligible dependents.
Learning and Development program.
100% upfront educational reimbursement.
Subsidized downtown parking.
Employee Assistance program.
Employee Resource Groups for volunteering, connecting, social gatherings, and professional development.
Wellness program with an online wellness portal.
Complimentary state-of-the-art onsite fitness center at the Omaha office.