Adjuster 2 Property

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In-Scope

Location: This role is eligible for hybrid - this means you’ll have the flexibility of working from home and in the office on a scheduled rotation once probation requirements have been met. Until then, the successful incumbent will be expected to work on-site, full-time.

GENERAL ACCOUNTABILITY

The Adjuster II (Property) is responsible for adjusting moderately complex claims. The Adjuster II (Property) collects, reviews, and analyzes claims related information and interprets applicable acts, regulations, and policy coverages to negotiate settlement of various types of claims. The Adjuster II (Property) conducts or directs site visits to determine the scope of the damage or loss. 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 Administration and Adjusting- Interviews customers, taking initial reports of claims, and collecting all pertinent loss information.- Submits assignments to vendors to complete repairs and/or inspections.- Conducts or directs site visits to determine the scope of the damage or loss, which, depending on the nature of the claim, may require the use of a ladder.- Sets up claim files, determines cause of loss, establishes, and adjusts reserves, and completes all necessary claims 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.- Determines actual cash value and/or replacement cost of customers’ articles. Maintains claims records and files in a current and orderly fashion in accordance with departmental, divisional, and/or corporate procedures and standards.- Refers claims of a suspicious or contentious nature or of a large dollar magnitude to the proper level of authority for assistance.- Assesses degree of negligence and/or the extent of quantum in claims of liability or bodily injury.- 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 and review by other personnel, and/or denial.- Reconciles invoices against estimates of damage or loss and processes accounts and expenses for payment.- Represents the interests of the corporation in Small Claims Court and/or other judicial, legal, institutional, or regulatory groups or bodies.- Attends to road assignments and adjusts claims arising at some distance from established headquarters (in positions where required).- 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 and 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 d