Adjuster I

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Adjuster I (Property)

Number of positions: multiple (Permanent)

Division: Property Claims (Property and Storm Team)

In scope

Closes February 29, 2024

GENERAL ACCOUNTABILITY

The Adjuster I (Property) is responsible for adjusting claims of a less complex nature. The Adjuster I collects, reviews, and analyzes claims related information and interprets applicable acts, regulations, and policy coverages in order to negotiate settlement of various types of claims. This position participates in a standby rotation during busy Claims seasons in assigned areas.

KEY ACCOUNTABILITIES
- Note: This section is not intended to be an exhaustive list of duties and responsibilities - other duties and responsibilities may be assigned._

Claims Investigation & Adjusting- Interviews customers, taking initial reports of claims and collecting all pertinent loss information.- Submits assignments to vendors to complete repairs and/or inspections.- Directs site visits to determine the scope of the damage or loss. Sets up claim files, determines cause of loss, establishes, and adjusts reserves, and completes all necessary reporting forms and documents.- Determines coverage and/or validity of claims through policy wordings and/or other related acts and their regulations.- Explains coverages, benefits, breaches of condition and/or exclusions to customers and/or their representatives, brokers, or other parties as required.- Contacts and/or interviews other personnel, brokers, customers, witnesses, third parties, outside adjusters, contractors, retail or repair firms, police and fire departments, legal representatives, medical professionals, or other external persons as required.- Obtains statements under oath, proofs of loss, medical reports, non-waiver agreements, final releases, salvage releases, and other documents related to the settlement and disposition of claims.- Prepares estimates and valuations of the damage or loss.- Responds to questions and/or correspondence regarding the status and disposition of claim files.- Maintains claims records and files in a current and orderly fashion according to departmental, divisional, and/or corporate procedures and standards.- Refers claims of a suspicious and/or contentious nature or of a large dollar magnitude to the proper level of authority for assistance.- Determines possibility of subrogation and takes appropriate action.- Negotiates settlements with customers and/or representatives.- Recommends approval, prepares claim files for legal action, further investigation by other personnel and/or denial.- Reconciles invoices against estimate of damage or loss and processes accounts and expenses for payment.- Hires, oversees, ensures quality of work, and evaluates the performance of vendors and contractors.- Participates in the review and development of new products, procedures, and programs.- Evaluates and processes requests for payments from vendors.-
- Determines recovery opportunities for salvage and subrogation.

Customer Experience & Relationship Management- Maintains relationships and communication with broker partners and vendors to promote trust and confidence in claims processes and procedures.- Explores and presents new information from industry sources, implementing new ideas to streamline and improve internal processes.- Delivers an easy, convenient, seamless experience for customers, from the moment they report their claim to getting their settlement.- Identifies opportunities to improve the claims experience for customers and seeks to find solutions while adhering to company guidelines.

High Performance Team & Culture- Supports a culture of leadership and accountability to effectively meet the key accountabilities within the scope of the role.- Displays leadership by committing to a culture of continuous learning/development of self and supports others by actively sharing knowledge, providing guidance, mentoring, training, and supporting developmental opportunities.- Demonstrates that the Health, Safety and Emergency Management Policy is applied in area of responsibility for self and others.TECHNICAL KNOWLEDGE & SKILLS- Knowledge of the insurance coverages and benefits provided by the policy wordings and related legislation applicable to Property claims.- Knowledge of insurance theory and the principles, practices, methods, and techniques related to the adjustment and settlement of Property claims.- Skill in determining values, depreciation, repair, or replacement costs (including the use of estimating systems) applicable to Property claims.- Knowledge of the organization’s customer service initiatives and demonstrated skill in putting the customer at the centre of business decisions.- Understanding of residential building construc