Senior Property Large Loss Specialist

Encova Insurance•Ohio, home-based, OH

1d•$86,744 - $138,790•Remote

About The Position

Encova Insurance is looking for a Senior Property Large Loss Specialist to join our growing Property Claims team. This is a home-based role offering flexibility, with the opportunity to make a meaningful impact by managing complex, high-exposure property claims. You must reside in Ohio to support required travel needs and stay closely connected to the regions we serve. This is an excellent opportunity for a seasoned claims professional who thrives in a dynamic environment and is passionate about delivering exceptional service during critical moments for our customers.

Requirements

7 years of property claims handling experience including large and/or complex claims.
Demonstrated excellent claims negotiation, communication and investigation skills.
Excellent time management and organizational skills.
Proven understanding of complex policy language and ability to apply investigative techniques.
Must meet established guidelines for quality and productivity.
Ability to work independently, recognize and resolve problems and make decisions.
Must either be licensed or willing and able to obtain license in all operating states.
Extensive knowledge of all personal and commercial lines policies and coverages written by Encova.
Expert knowledge of building reconstruction is required.
Ability to efficiently and accurately write large and complicated building repair estimates and accurately complete a replacement cost valuation on total losses.
Extensive knowledge and proven skill with using all property estimating software used by Encova.
Ability to travel as needed.

Nice To Haves

Bachelor’s degree or equivalent experience in insurance, construction, risk management, or related field is strongly preferred.
Continuing education is strongly preferred and may be obtained in part or in full through: Industry seminars or workshops; Vale National Estimating Academy; IIA - Associate in Claim designation; and/or CPCU.

Responsibilities

Independently handle primarily large ($250,000+) personal and commercial property losses including structure, contents, ALE, scheduled property and business income losses; losses requiring on-site inspection; property coverage questions and limited handled property lawsuits including attending pre-trials, mediations, arbitrations, or trials when required.
Inspect and write large property estimates, including total losses, on both residential and commercial structures using estimating guides and estimating software.
Assist in risk evaluation on homeowners and commercial businesses including verifying insurance to value, coinsurance penalties and documenting any change or increased hazard to the risk.
Comply with Encova’s claims organization policies and procedures for contact and communication, verification of coverages, determination of liability, investigation of losses, determination of claims values, completion of forms and reports, and negotiation and settlement of claims.
Participate in catastrophe claims handling throughout the entire footprint, requiring overnight travel or extended stays upon request.
Mentor, develop and provide guidance to entry-level large loss specialists.
Regular travel to loss locations, often with little notice, is required for this position.
Visit and communicate with agents affected by the catastrophic loss or event and keep agents appraised of the loss developments and reserving activity.
Attend seminars, conferences or workshops to continue education.
Perform other duties as assigned.