Senior Property Claims Adjuster

EMC Insurance Companies

23h•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 Eastern region.

Requirements

Bachelor’s degree or equivalent relevant experience
Five years of property claims adjusting experience or related experience
Excellent knowledge of the theory and practice of the claim function
Strong knowledge of insurance contracts, medical terminology and substantive and procedural laws
Strong knowledge of computers and claims systems
Ability to obtain all applicable state licenses
Excellent organizational and empathetic interpersonal skills
Strong written and verbal communication skills
Excellent customer service skills
Excellent investigative and problem-solving abilities
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

Independently investigates, evaluates, negotiates, and resolves large and moderately complex to complex commercial property and reinsured cyber claims, including litigated matters, within assigned authority
Analyzes coverage, cause of loss, scope, valuation, and business income exposure; establishes timely and adequate reserves
Conducts field inspections and oversees re-inspections, including participation in catastrophe operations
Coordinates and manages experts and vendors (e.g., engineers, remediation firms, contractors, origin and cause specialists) to address urgent claim needs and preserve evidence
Communicates claim status, coverage positions, and resolution strategies with insureds, agents, attorneys, and internal partners
Develops negotiation strategies, evaluates settlement ranges, and negotiates claim settlements in accordance with company guidelines
Drafts and issues reservation of rights, denial letters, settlements, proofs of loss, and payments with accuracy and compliance
Manages litigated claims, recommends defense counsel, and collaborates with attorneys through mediation, appraisal, arbitration, or trial
Identifies recovery, subrogation, and potential fraud opportunities; partners with SIU as appropriate
Reviews and audits estimates and invoices for accuracy, reasonableness, and cost-effective repair solutions
Collaborates with Underwriting, Risk Improvement, and other specialty units to support risk evaluation and account management
Serves as a technical resource and mentor to less experienced adjusters and participates in cross-functional initiatives

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 and 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