Property Desk Adjuster

📋 Description

• • Handles property and casualty insurance claims valued up to $15,000 by thoroughly reviewing insurance policies, claims forms, endorsements, and carrier instructions to determine coverage eligibility.
• • Conducts investigations by gathering 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 collect accurate information regarding claim details and circumstances.
• • Estimates the cost of repair, replacement, or compensation based on documented evidence and industry standards.
• • Prepares detailed reports of findings and negotiates claim settlements in strict adherence to carrier-specific instructions and guidelines.
• • Issues settlement checks, files required regulatory documentation, and manages salvage and subrogation processes where applicable.
• • Recommends litigation to the legal department when a claim cannot be resolved through negotiation.
• • Attends litigation hearings and participates in depositions as required by case needs.
• • 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 and improve operational efficiency.
• • Escalates claims exceeding $15,000 gross loss amount to leadership for authorization and approval.
• • 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 coverage outcomes.
• • Produces comprehensive, 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 for claims handling accuracy, timeliness, and customer service.
• • Maintains proficiency in Microsoft Office products and other claim management systems.
• • Adapts to changing priorities, manages multiple claims simultaneously, and operates effectively under work-related stress.
• • Performs computer keyboarding tasks and travels as required for inspections or hearings.
• • Maintains clear hearing, vision, and verbal communication abilities to effectively conduct interviews and hearings.