Property Claims Adjuster
3 weeks ago
As a Property Claims Adjuster at Stillwater Insurance Group, you will investigate, measure, and adjust homeowner property insurance claims in our Omaha, Nebraska headquarters. This role requires a strong understanding of property and casualty policies, insurance principles, and loss reserving. You will work closely with our team to ensure accurate and timely claim resolutions, while providing excellent customer service to our policyholders.
Key Responsibilities:
Determine coverage via verification and detailed analysis of applicable policy/endorsement contract language in comparison to claim facts
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
Ensure enterprise financial accountability through timely and adequate claim and expense reserving practices
Adjust reserve according to claim development
Timely initiate, conduct, and complete investigations on both transfer and claims handled from the ground up
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
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
Requirements:
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
What We Offer:
Business casual work environment - wear your jeans to work
Medical, dental, vision and life insurance benefits to keep you and your family protected
401(k) Plan to help you plan for your retirement
Gym/Fitness Center reimbursement to support your commitment to staying healthy
Generous Paid Time Off (PTO) program to help you maintain your work/life balance
Apply today to start your journey with Stillwater Insurance Group.
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