Property Claims Adjuster II

**This position is eligible to work from home in MI, OH, IN, CT, DE, FL, GA, MA, MD, NC, NH, NJ, NY, PA, RI, SC, TN, VA, VT, WV, ME, DC, AL, LA, MS, AR, IL, KY, MO, MN, WI**

Summary:

This is a work from home position who will handle assigned losses for claims located within the States of Michigan, Indiana and Ohio. The candidate must have a minimum of three (3) years adjusting experience and must exercise independent judgment in the investigation, evaluation, negotiation, and disposition of medium sized and moderately complex commercial property claims (CP, BOP and C-IM) within limitations of authority outlined in the Claims Guide. The candidate will communicate with insureds, agents, and experts regarding coverage and claim status or questions. Candidates who exceed minimum qualifications may be considered for a higher-level position.

Essential Functions:

• Reviews and evaluates the claim notice, lawsuits, contracts, state statutes, and policies to verify the appropriate coverage, deductibles, and claim payee/mortgagees
• Performs field inspections on medium sized and moderately complex commercial property claims as applicable
• Initiates timely contact with insureds and claimants to explain the claims process and obtains statements from insureds, claimants, witnesses and all other pertinent parties, documents claim activities, reserve analysis, summaries of reports in the claim system
• Coordinates with appropriate experts to ensure urgent matters addressed, such as initial remediation, temporary restoration, business continuation either at the damaged location or at a new temporary business site, preserving evidence, securing origin and cause experts, various engineers, general and subcontractors etc., and multi-party reinspection
• Sets timely, adequate reserves in compliance with the company reserving philosophy and methodology
• Analyzes business records, such as profit and loss statements, tax forms, financial forecasts, and payroll records to estimate the loss of business income
• Reviews bills, invoices, and receipts, including legal and litigation related expenses, for accuracy  and notifies all parties involved that legally require appropriate notice
• Notifies the Claims Supervisor of claims exceeding authority level and requiring assignment to more senior level team member

Education & Experience:

• Bachelor’s degree or equivalent relevant experience
• Three years of property claims adjusting experience
• Relevant insurance designations preferred

Knowledge, Skills & Abilities:

• Strong knowledge of the theory and practice of the claim function
• Strong knowledge of commercial property insurance contracts and procedural laws
• Ability to obtain all applicable state licenses
• Strong knowledge of computers and claims systems
• Strong written and verbal communication skills
• Excellent customer service skills
• Solid investigative and problem-solving abilities
• Strong organizational abilities and empathetic interpersonal skills
• Ability to maintain confidentiality
• Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving