Senior Commercial Claims Specialist
SUMMARY
Are you an experienced commercial claims professional looking to make an impact? Frontline Insurance is seeking a Senior Commercial Claims Specialist to assist policyholders throughout the entire claims process. This role requires the ability to work extended hours, including evenings and weekends, based on customer and business needs (e.g., in response to claim volume fluctuations due to catastrophic weather).
In this position, you will handle a caseload encompassing all levels of complexity for first-party claims. Responsibilities include establishing facts of loss, conducting thorough reserve and coverage analysis, assessing and estimating property damage, and identifying potential fraud for timely investigation and resolution. As a Senior Commercial Claims Specialist, you will also serve as a mentor to junior adjusters and assist with training.
About Us
At Frontline Insurance, our core values – Integrity, Patriotism, Family, and Creativity – are at the heart of everything we do. We are dedicated to creating meaningful impact and achieving success together. If you are looking for a role that offers growth, leadership opportunities, and the chance to shape the future of claims handling, this is your next career move!
Why You'll Love Working Here:
We offer a comprehensive benefits package, including company-sponsored Medical, Dental, Vision, Life, and Disability insurance (Short-Term and Long-Term), as well as Pet Insurance, and four weeks of PTO. Plan for your future with our 401(k) Retirement Plan, where we match 100% of your first 3% contribution and 200% of the next 3%. Enjoy our business casual environment while contributing to meaningful work.
Key Responsibilities
- Claims Management: Verify facts of loss and analyze relevant information to confirm coverage.
- Reserve Establishment: Establish ultimate reserves (anticipated costs to close the file based on known facts) as soon as practical and adjust as necessary based on changing exposures.
- Stakeholder Communication: Explain and appropriately respond to insureds, public adjusters, attorneys, and contractors. Contact relevant parties to obtain necessary information, provide timely updates on investigations, and explain settlements or claim dispositions.
- Timely Approvals: Submit reserve and payment approval requests as appropriate.
- ADR Strategy Development: Formulate and execute appropriate Alternative Dispute Resolution (ADR) strategies in compliance with statutory guidelines.
- Daily Communication: Check emails and messages daily, responding to all calls, emails, and inquiries in a timely manner.
- Negotiation Skills: Apply advanced negotiation skills to resolve disputed claims with insureds or their legal representatives.
- Appraisal Coordination: Manage the appraisal process and maintain communication to ensure timely progress.
- Documentation: Draft denial letters for management approval and complete or review reservation of rights letters, payment explanations, and other correspondence as necessary.
- Fraud Detection: Identify and refer claims with subrogation potential to the subrogation department and cases with potential NICB fraud indicators.
- Virtual Investigations: Utilize video technology for virtual investigations and resolution of claims as appropriate.
- File Closure: Close all files in a timely and complete manner.
- Mentorship: Serve as a mentor and trainer for junior adjusters, assisting in their development and skill enhancement.
- Compliance: Strictly adhere to best practices, operational guidelines, and statutory requirements.
- Litigation Participation: Participate in litigation and resolve disputes as necessary.
Qualifications
- Education: Bachelor's degree required.
- Experience: A minimum of 10 years of commercial claims experience preferred, with in-depth knowledge of all aspects of claims operations.
- Licensing: Florida 520/620 license is required, with the ability to obtain adjuster licenses in AL, GA, NC, and SC.
- Skills: Strong background in commercial coverage interpretation and claims handling; proficiency in Xactimate and Microsoft Office applications.
Additional Information
Supervisory Responsibilities: This position does not have direct supervisory responsibilities but may assist management in training and overseeing junior staff.
Physical Demands
While performing the duties of this job, you will regularly sit, use hands, talk or hear, and may occasionally stand, walk, lift, and climb. Visual requirements include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
Work Environment
This role includes both office and field/outdoor environments, with a moderate noise level.
Ready to make an impact?
Join Frontline Insurance as a Senior Commercial Claims Specialist today!
#LI-AK1
#LI-REMOTE
