Property Claims Adjuster

2 days ago


Madison, Wisconsin, United States Rural Mutual Insurance Full time
Job Summary

We are seeking a highly skilled and detail-oriented Property Claims Adjuster to join our team at Rural Mutual Insurance. As a key member of our claims team, you will be responsible for investigating and evaluating property damage claims made by policyholders from an office setting.

Key Responsibilities
  • Review and assess property damage claims remotely, using photographs, videos, and other digital documentation, primarily provided by independent adjusters.
  • Analyze insurance policies, review claim forms, and investigate the circumstances surrounding the loss to determine coverage and liability.
  • Prepare detailed reports documenting findings, including estimated repair costs, and maintain accurate records of all communication, transactions, and relevant documentation throughout the claims process.
  • Interact with policyholders, claimants, and other stakeholders in a professional and empathetic manner through phone and email, addressing questions, concerns, and providing guidance on the claims process, coverage, and settlement procedures.
  • Engage in negotiations with policyholders, contractors, and third-party claimants to reach a fair settlement agreement, clearly explaining the settlement offer, including coverage limitations and applicable deductibles.
  • Collaborate with other departments, such as underwriters, legal, and agents, to ensure accurate assessment of claims and compliance with company policies and procedures.
  • Stay updated on relevant laws, regulations, and industry standards related to property insurance claims, ensuring compliance with all applicable guidelines and procedures.
Requirements
  • Bachelor's degree in a relevant field, such as insurance, risk management, or construction, or equivalent work experience may be considered.
  • Minimum of three years of experience as a Property Adjuster, with a preference for experience in a field-based role, familiarity with property insurance policies, claim investigation techniques, and industry-standard software for documenting and estimating.
  • Solid understanding of construction principles, building materials, and the ability to read and write estimates using Xactimate.
  • Strong analytical and problem-solving abilities to assess property damage accurately, evaluate coverage, and negotiate settlements effectively.
  • Excellent verbal and written communication skills to interact with policyholders, claimants, and internal stakeholders, ability to explain complex concepts in a clear and concise manner.
  • Strong customer service skills with a focus on providing a positive experience to policyholders throughout the claims process, ability to handle challenging conversations and demonstrate empathy when dealing with individuals who have experienced property damage.
  • Exceptional organizational and time management skills to handle multiple claims simultaneously, meet deadlines, and maintain accurate documentation.

Preferred Qualifications:

  • Proficient in XactAnalysis.
  • Experience reviewing independent adjuster reports.
  • Familiarity with multi-line claims adjusting.
  • Experience in handling recovery processes, including subrogation, contribution, and salvage.

About Rural Mutual Insurance:

We are a welcoming and professional organization that values our staff, agents, and customers. We are passionate about delivering exceptional customer service, preserving insurance industry knowledge, and making a positive impact through our work.

We offer a competitive and comprehensive compensation package, including health, dental, life, LTD, and vision insurance, as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits.



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