Claims Adjuster

**Purpose**

This opportunity is to work with the Rural Municipalities of Alberta as a Claims Adjuster. You will play a vital role in our claims department, assisting with the investigation, evaluation, and resolution of insurance claims. This position is ideal for individuals with a strong interest in the insurance industry, particularly in the area of Direct Compensation Property Damage (DCPD).

**Responsibilities and Activities**

Investigative automobile and property insurance claims, including reviewing policy coverage, gathering relevant information, and conducting interviews with involved parties.

Collect and review all relevant documentation related to DCPD claims, including police reports, damage assessments, and policy information.

Conduct thorough evaluations to determine coverage eligibility and claim validity.

Maintain detailed and accurate claim files, documenting all relevant information and correspondence.

Maintain open and clear communication channels with members. Provide updates on claim status, address inquiries, and resolve issues promptly and professionally.

Collaborate with senior adjusters, supervisors, and other team members to share knowledge, seek guidance, and support the overall effectiveness of the claims department.

Stay informed about industry regulations, best practices, and emerging trends related to auto and property insurance claims.

**SKILLS/EXPERTISE REQUIRED**:

- Must have familiarity with insurance and/or risk management.
- Has experience reading and interpreting policy wordings
- Be detail orientated to ensure claims are investigated thoroughly and settled fairly.
- Ensure claimants and member clients are treated with courtesy and respect throughout the claims settlement process.
- Performing investigation, evaluation, negotiation, and disposition of various types of claims, primarily of a first party nature. Successful accomplishment requires sound investigative strategies and excellent client care skills as the direct contact point for many of our insureds.
- Appointing, controlling, and directing external service providers including task adjusters and other experts.
- Assist in claim inquiries and ensure all claims are promptly investigated.
- Ensure coordinated and timely investigation through communication with third party adjusters, and outside experts;
- Review and interpret property and liability policy wordings, acts, regulations and legislation in order to confirm coverage;
- Set reserves and authorize payment within scope of authority and settle claims in the most cost effective and timely manner possible;
- Control indemnity and expenses through proactive claims handling techniques, including the pursuit of subrogation where applicable;
- Ensure all claims negotiations are conducted with integrity and that settlements are accurate and fair;
- Attend training as necessary to ensure skills evolve with changes in the industry;
- Assist the Claims Manager as necessary;
- Participate in Association activities and events as required by the Directors and/or the Board.
- Enthusiastically support change, share experiences, and actively seek new challenges
- Meets regularly with department colleagues to discuss claims operations and offers ideas to improve processes and procedures as required.
- Independent and reliable
- Is able to work with mínimal supervision. Is self-motivated and self-directed.
- Develop a thorough understanding of the Municipal Government Act and the defences available for liability.
- Be adaptable to learning new skill sets utilized in risk management.

**Knowledge, Skills and Abilities**

**Education**: (the minimum level of education necessary to adequately perform the duties)
- Completion of a CRM designation would be considered an asset.
- Proficient in Microsoft Office, particularly Word and Excel.
- Experience in an office environment using computerized information systems.

**Qualifications**
- Prior experience in insurance claims handling, particularly in the area of Direct Compensation Property Damage (DCPD)
- Experience in aligned industries will be considered;
- Knowledge of insurance principles, coverage types, and regulatory requirements, with a focus on automobile insurance.
- Strong analytical skills with the ability to interpret policy language, assess claim validity, and negotiate settlements.
- Strong Business Planning and negotiation skills
- Flexibility and ability to problem solve;
- Strong communication skills, including listening, interviewing, negotiating, and must be able to flex style appropriate to audience
- Demonstrate organizational skills with the ability to manage conflicting priorities in an effective manner
- Proactive and positive approach to member service ensuring that all enquiries are effectively dealt with in a timely manner
- Strong interpersonal skills enabling an ability to effectively deal with conflict and difficult situations
- Strong commitment to the association goals and philosophy;
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