Claims Representative Jobs

About The Position

Requirements

• High school education required.
• Ability to learn the coverages of all insurance policies written by the company required.
• Effective communication and negotiation skills required.
• Ability to work effectively with company computer systems required.
• Ability to work remotely, independently and without direct supervision required.
• Ability to communicate and work closely with contractors and engineers.
• Ability to effectively converse with the public required.
• Ability to set up and climb ladders, balance at various heights, stoop, bend, or crawl to inspect structures while conducting physical inspections of property loss sites required.
• Ability to carry work materials weighing up to 50 lbs. required.
• Knowledge of or the ability to understand common construction and farming practices.
• Knowledge of or ability to understand company underwriting guidelines and forms required.
• Ability to use replacement cost estimating software required.
• Ability to evaluate a risk to determine insurance-to-value required.
• Valid driver’s license with acceptable driving record required.
• Provision of own vehicle required.
• Ability to operate a camera and take clear and accurate photos of assigned inspections and claims required.
• Ability to work independently with attention to detail required.
• Excellent organizational, interpersonal and communications skills and abilities required.
• Proficient computer skills; ability to learn company computer systems required.
• Ability and willingness to travel short and long distances, on a daily basis with periodic overnight travel required.
• Ability to work flexible hours, travel to all organization offices (including in Pennsylvania, Ohio, and South Dakota) and travel to vendor work sites required.
• Ability to work in an office environment with moderate noise level, remain in a stationary position and operate a computer a majority of the time required.
• Ability to move throughout the office to access work materials and to move work materials weighing up to ten pounds daily required.
• Ability to perform the essential functions of the job with or without reasonable accommodation required.

Nice To Haves

• Proficiency and knowledge of the Bluebook estimating platform preferred.
• Involvement in insurance-related seminars and continuing education preferred.

Responsibilities

• Handle claims according to company guidelines and in compliance with the Unfair Claims Practices Act.
• Investigate claims assigned. This may include taking photos, measuring damaged property, diagramming, and writing estimates as well as written and phone communication with insureds, claimants, and their legal representatives.
• Verify policy coverage on assigned losses.
• Pursue subrogation, salvage, and third-party liability contribution.
• Conduct physical inspections of property loss sites.
• Evaluate claim information to determine if payment of the claim or a denial is in order.
• Notify Property Claim Manager of all claims that exceed $50,000.
• Establish and maintain proper and adequate reserves on assigned claims.
• Report claim complaints, questionable claim submissions and possible fraud to Property Claim Manager or Claims Supervisor.
• Attend claims seminars and insurance related meetings; participate in claims associations.
• Assist Property Claim Manager and Claims Supervisor in attending arbitrations, hearings, or court proceedings, as needed.
• Remain available to service claims after normal business hours, weekends, and holidays, if needed.
• Perform in-depth property inspections; complete building valuations; complete overview of farm personal property; report on overall risks.
• Ensure inspections are complete with photos and documentation that assure proper maintenance, upkeep, current wiring and plumbing, roof condition and acceptable overall condition of the structure.
• Complete inspections for company underwriters within 30 days of assignment; discuss account with Underwriter if unable to meet 30-day timeframe.
• Complete agency book inspections as requested.
• Inform underwriters of exposure concerns and offer recommendations to reduce frequency and severity of loss arising from fire, crime, liability, accidents, etc.
• Assist underwriters in researching and providing additional information and photos when necessary.
• Serve as a loss control resource for underwriters and agents.
• Maintain knowledge in field-of-loss control practices and developments through continuing education.
• Perform other duties as assigned.