Property Adjuster

📋 Description

• • Handles property and casualty insurance claims valued up to $15,000 by examining insurance policies, claims forms, endorsements, and carrier instructions to determine coverage eligibility.
• • Conducts thorough investigations into claims by reviewing official reports, consulting police and hospital records, and inspecting physical damage or written repair estimates to assess the company’s liability.
• • Interviews, telephones, and corresponds with claimants and witnesses to gather detailed information regarding the nature and circumstances of each claim.
• • Estimates the cost of repair, replacement, or compensation based on inspection findings and documented evidence.
• • Prepares comprehensive reports of findings and negotiates claim settlements in strict adherence to carrier instructions and company guidelines.
• • Issues settlement checks, files required regulatory documentation, and manages salvage and subrogation processes where 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 accurately reflect probable future costs and exposures.
• • Maintains an efficient and consistent caseload while meeting performance expectations and deadlines.
• • Utilizes technology and automation tools to streamline claim processing, improve accuracy, and enhance operational efficiency.
• • Escalates claims exceeding $15,000 gross loss amount to leadership for approval and authority review.
• • Performs additional duties as assigned to support team objectives and operational needs.
• • Demonstrates empathetic communication when interacting with claimants during stressful or emotional situations.
• • Applies strong analytical and interpretive skills to evaluate complex documentation and determine appropriate claim outcomes.
• • Produces clear, accurate, and constructive written reports that meet regulatory and internal standards.
• • Works collaboratively within a team environment while maintaining individual accountability for case outcomes.
• • Meets or exceeds established Performance Competencies related to claim handling, timeliness, and quality.
• • Maintains proficiency in Microsoft Office products and other claim management systems.
• • Possesses strong organizational, communication, and interpersonal skills to manage multiple priorities and deadlines effectively.
• • Adapts to work-related stress and demonstrates sound judgment in high-pressure claim resolution scenarios.
• • Performs computer keyboarding tasks and travels as required for inspections or hearings.
• • Maintains necessary auditory and visual capabilities to effectively communicate and review documentation.