Total Loss Fire and Theft Adjuster

Location(s)

Details

Position Summary:

Responsible for resolution of all activity on assigned Fire and Theft claims. Reviews claim details, coverage, the estimate and all aspects related to Fire and Theft. Controls associated claims for Rental/Loss of Use as well as any other expenses associated with the assigned feature. Concludes all assigned claims in a timely and cost-effective manner based on Company guidelines. Assignments will include commercial Auto (including heavy equipment) and fixed property. Assignments will also include claims with potential in excess of policy limits and Liability features.

Position Responsibilities: 

• Manages investigation of Fire and Theft auto claims
• Establish an investigative plan; initiate investigation by gathering facts and evidence with all interested parties; complete appropriate reports; take recorded statement
• Evaluate and adjust claims within limit of authority and summarize claims in excess of authority and submit to manager for approval
• Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices; make decisions on best option
• Make appropriate contacts to discuss a settlement; extend an offer to appropriate party; document all file activity and payment/settlement information in file notes clearly outlining basis for settlement
• Determine subrogation or fraud potential and refer to Unit when potential exists or handle to conclusion
• May handle more complex files with appropriate supervision to develop skills
• Develop a working knowledge of systems and technology used within the company
• Identify customer needs and work to meet those needs using appropriate customer service skills

Position Qualifications:

• The ability to take detail statements through an interpreter
• Available to work 10:00 am – 7:00 pm CST schedule
• Demonstrate proficiency in file audits to agreed standard of efficient claims quality
• Demonstrate the ability to interpret and apply written coverage accurately to establish claim and determine an action plan, and often requires assistance on more complex files
• For claims involving material damage, comply with the company material damage guidelines
• High degree of initiative, mature judgment, and discretion
• Ability to resolve conflicts and empathize with customers is critical
• Strong negotiation skills
• Demonstrate professional oral and written communication skills
• Organization and time management skills are critical for this position
• Demonstrate an understanding of insurance law as it relates to claims
• Demonstrated proficiency with basic computer skills with word processing, spreadsheets, email and internet