Commercial Property Claims Desk Adjuster - Remote after training

📋 Description

• • Evaluates commercial property insurance policies, claims forms, endorsements, and carrier instructions to determine coverage eligibility and liability exposure.
• • Conducts thorough investigations of property claims by reviewing loss reports, police and hospital records, damage estimates, and other documentation to assess the extent of loss and insurer responsibility.
• • Interviews claimants and witnesses via telephone or correspondence to gather factual details and clarify claim circumstances.
• • Estimates repair, replacement, or compensation costs based on inspection findings and industry standards.
• • Prepares detailed, accurate, and constructive written reports summarizing claim findings, coverage determinations, and liability assessments.
• • Negotiates claim settlements in alignment with carrier-specific instructions and internal guidelines, ensuring compliance with regulatory requirements.
• • Issues settlement checks, files necessary regulatory documentation, and manages salvage and subrogation processes when applicable.
• • Recommends litigation to the legal department when claims cannot be resolved through negotiation.
• • Attends litigation hearings and participates in depositions as required by case complexity or legal proceedings.
• • Regularly revises case reserves in assigned claims files to reflect accurate projections of probable costs and exposure.
• • Manages an assigned caseload efficiently while maintaining quality standards and meeting performance benchmarks.
• • Utilizes proprietary technology and automation tools to streamline claim processing, documentation, and reporting workflows.
• • Maintains consistent communication with internal teams, carriers, and external parties to ensure timely and accurate claim resolution.
• • Adheres to all company policies, regulatory standards, and ethical guidelines in handling sensitive claim information.
• • Demonstrates empathetic communication when interacting with claimants during stressful or difficult circumstances.
• • Works collaboratively within a team environment to support departmental goals and operational efficiency.
• • Meets or exceeds established Performance Competencies related to accuracy, timeliness, and customer service standards.
• • Performs additional duties as assigned to support operational needs and process improvements.