Property Claims

1 month ago


Jacksonville, United States Stillwater Insurance Services, Inc. Full time
Job DescriptionJob Description

Property Claims – Desk Adjuster

Considering Applicants at all experience levels.

Salary $65,000 to $110,000 depending on experience.

In house positions for Jacksonville Florida

Join our hardworking, collaborative team where your contributions will be celebrated and valued.

Why Stillwater? We’re a national insurance provider that offers a full suite of insurance products and services. We strive to be the most respected insurance provider in the United States and that respect starts with our employees.

SUMMARY:

Investigate, measure, and adjust homeowner property insurance claims, in-office, at Stillwater’s Jacksonville, Florida headquarters.

DUTIES AND RESPONSIBILITIES:

The following reflects essential functions for this job but does not restrict the tasks that may be assigned. Depending on business needs, management may assign or reassign duties and responsibilities to this job over time.

Duties for this position include:

  • Determine coverage via verification and detailed analysis of applicable policy/endorsement contract language in comparison to claim facts:
    1. Promptly resolve all open coverage issues through the investigation process.
    • Protect the company’s coverage defenses by timely drafting and issuing the appropriate Reservation of Rights, or Disclaimer position letters in conformance with insurance regulations and market requirements.
  1. Act swiftly and affirmatively, execute timely appropriate action, when needed, to resolve problems.
  • Ensure enterprise financial accountability through timely and adequate claim and expense reserving practices:
    • Determine claim values based upon claims handling experience, acquired documentation, legal liability, causation, jurisdictional matters while applying your good judgment.
    • Adjust reserve according to claim development.
  • Timely initiate, conduct, and complete investigations on both transfer and claims handled from the ground up:
    • Complete detailed investigations, at appropriate levels for the individual cases, for the questions, issues, documents, experts needed, and tasks involved to accomplish or facilitate a prompt investigation.
    • Determine whether the field investigation will be completed internally or complete a cost justification for outsourcing.
    • Utilize scoping and photo applications when appropriate.
    • Provide written task instructions and supervision when appropriate.
    • Ensure claim files contain sufficient documentation to justify all coverage, liability, damage and claim resolution decisions.
    • Recognize and apply fraud indicators and, when justified, refer to S.I.U.
    • Collaborate closely with SIU unit and its investigators.
    • Identify and initiate timely pursuit of all subrogation and salvage recovery opportunities.
  • Follow supervisory guidance on managing the legal expenses of defending and resolving lawsuits as well as avoidance of unnecessary litigation:
    • Handling of disputed claims to include settlement involving AOBs, CRNs, NOIs, demands, or complex scope and price disputes.
  • Draft and timely complete necessary case narrative reports to the claim files, reinsurers, and claims management.
  • Exhibit Xactimate estimating skills sufficient to write a roof or water loss estimate from a pre-generated Sketch.
  • Ensure claim administration standards are met:
    • Comply with all Unfair/Fair Claim Practice Acts and Insurance Code Regulations.
    • Ensure accuracy of system loss description, cause of loss codes, and financial transaction codes for proper information to underwriting and statistical bureau reporting.
    • Operate within established file aggregate authorities for reserve and payment levels, securing the appropriate management level approvals above established authority.
  • Achieve excellent customer service levels:
    • Be courteous, polite and honor all commitments.
    • Manage and diffuse conflict should it occur.
    • Return all phone calls the same day as received.
    • Handle incoming mail daily.
    • Assist claim staff and customers with participating on the after-hours call roster.
  • Perform a variety of miscellaneous duties and special projects as assigned, inclusive of occasional field loss inspections, inside on-premises catastrophe duty, field catastrophe duty and attending settlement conferences, when needed.
  • Maintain staff adjuster licenses and complete continuing education requirements as required by the States assigned.
  1. Develop excellent knowledge of company Best Practices and adhere to company policies.

QUALIFICATIONS:

  • Bachelor's Degree (BA/BS/BBA) from a four-year college or university, and related experience and/or training, or equivalent combination of education and experience.
  • Exceptional knowledge of property and casualty policies, insurance principles, loss reserving, and development skills.
  • Sound business judgment and effective human relations, problem solving, and analytical skills.
  • Excellent expense management skills.
  • Working knowledge of Unfair Claim Practice Acts and Insurance Codes.
  • Exceptional knowledge of damage estimating and repair techniques for property, personal property, and residential construction.
  • Exceptional investigation skills.
  • Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of the organization.
  • Ability to define problems, collect data, establish facts and draw valid conclusions.
  • Working knowledge of MS Excel.
  • Excellent customer service skills.
  • Excellent verbal and written communication skills.
  • Strong organizational skills; able to manage priorities and workflow.
  • Must be able to speak, read, write, and understand the primary language(s) used in the workplace.
  • Acute attention to detail.
  • Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm.

REPORTING RELATIONSHIP:

Reports directly to Claims Supervisor.

Apply today to start your journey of being celebrated and valued with Stillwater Insurance Group.

Offer for employment is contingent upon the favorable responses from both a background investigation and a pre-employment drug screen.

Stillwater Insurance Group is a drug-free workplace and an equal opportunity employer.



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