Property Claims Adjuster II

At EMC, you'll put your skills to good use as an important member of our team. You can count on gaining valuable experience while contributing to the company's success. EMC strives to hire and retain the best people by engaging, developing and rewarding employees. **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 Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles. To learn more about why you’re gonna love it here, watch the video below. Why should you choose to apply for a position at EMC? We can give you plenty of reasons why EMC is a great place to work: More than 105 years of financial strength and stability In the top 60 insurance organizations in the U.S. based on net written premium Named a five-star insurance carrier by Insurance Business America Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America Multiple locations recognized as Top Workplaces based solely on team member feedback Corporate culture that engages and empowers team members to achieve their best Outstanding benefits with life, medical, dental, vision and prescription drug coverage Competitive paid time off plan and a full day of volunteer time off annually Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards Professional development and growth opportunities, including tuition reimbursement Wellness initiatives to improve team member well-being and reduce health insurance costs Flexibility to dress for your day and opportunities for alternative work arrangements EMC complies with labor law requirements. 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